` Comparison: RRBI, MTB - Alpha Spread

RRBI
vs
MTB

Over the past 12 months, RRBI has significantly outperformed MTB, delivering a return of +34% compared to the MTB's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
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RRBI
MTB
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Stocks Compared:
RRBI MTB
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Valuation Comparison

RRBI Intrinsic Value
83.64 USD
Undervaluation 12%
Intrinsic Value
Price
MTB Intrinsic Value
254.91 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Red River Bancshares Inc
NASDAQ:RRBI
73.3 USD
M&T Bank Corp
NYSE:MTB
206.71 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
RRBI, MTB

RRBI
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Red River Bancshares Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
RRBI, MTB

RRBI
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Red River Bancshares Inc
NASDAQ:RRBI
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

RRBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Red River Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

RRBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Red River Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

RRBI
33.6%
MTB
27.3%

FCF Margin

RRBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Red River Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

RRBI
12%
MTB
9.1%

ROA

RRBI
1.3%
MTB
1.2%

ROIC

RRBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Red River Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

RRBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Red River Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
RRBI, MTB

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RRBI
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
RRBI, MTB

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RRBI
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
RRBI, MTB

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RRBI
MTB
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