` Comparison: RVSB vs TFC - Alpha Spread

RVSB
vs
TFC

Over the past 12 months, RVSB has underperformed TFC, delivering a return of +5% compared to the TFC's +12% growth.

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RVSB
TFC
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Valuation Comparison

RVSB Intrinsic Value
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TFC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Riverview Bancorp Inc
NASDAQ:RVSB
5.41 USD
Truist Financial Corp
NYSE:TFC
51.35 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
RVSB, TFC

RVSB
TFC
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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
Riverview Bancorp Inc
Revenue
Truist Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
RVSB, TFC

RVSB
TFC
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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
Riverview Bancorp Inc
NASDAQ:RVSB
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

RVSB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Riverview Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

RVSB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Riverview Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

RVSB
9%
TFC
24.5%

FCF Margin

RVSB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Riverview Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

RVSB
3%
TFC
7.7%

ROA

RVSB
0.3%
TFC
0.9%

ROIC

RVSB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Riverview Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

RVSB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Riverview Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
RVSB, TFC

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Performance Gap
RVSB, TFC

Performance Gap Between RVSB and TFC
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Performance By Year
RVSB, TFC

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RVSB
TFC
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett