` Comparison: SASR, TFC - Alpha Spread

SASR
vs
TFC

Over the past 12 months, SASR has underperformed TFC, delivering a return of -5% compared to the TFC's +8% growth.

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SASR
TFC
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

SASR Intrinsic Value
35.47 USD
Undervaluation 21%
Intrinsic Value
Price
TFC Intrinsic Value
56.76 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Sandy Spring Bancorp Inc
NASDAQ:SASR
27.95 USD
Truist Financial Corp
NYSE:TFC
45.82 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SASR, TFC

SASR
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
Sandy Spring Bancorp Inc
Revenue
Truist Financial Corp
Revenue

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

Profitability Comparison

Free Cash Flow
SASR, TFC

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

Gross Margin

SASR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Sandy Spring Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

SASR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Sandy Spring Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

SASR
4.9%
TFC
24.4%

FCF Margin

SASR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Sandy Spring Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

SASR
1.3%
TFC
7.6%

ROA

SASR
0.1%
TFC
0.9%

ROIC

SASR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Sandy Spring Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

SASR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Sandy Spring Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
SASR, TFC

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Performance Gap
SASR, TFC

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SASR
TFC
Difference
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Performance By Year
SASR, TFC

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SASR
TFC
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