` Comparison: SFBC, TFC - Alpha Spread

SFBC
vs
TFC

Over the past 12 months, SFBC has underperformed TFC, delivering a return of -19% compared to the TFC's +15% growth.

Valuation Growth Profitability Solvency Stocks Performance
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SFBC
TFC
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Stocks Compared:
SFBC TFC
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Valuation Comparison

SFBC 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
Sound Financial Bancorp Inc
NASDAQ:SFBC
43.44 USD
Truist Financial Corp
NYSE:TFC
50.49 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SFBC, TFC

SFBC
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
Sound Financial 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
SFBC, TFC

SFBC
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
Sound Financial Bancorp Inc
NASDAQ:SFBC
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

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

Operating Margin

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

Net Margin

SFBC
17.6%
TFC
24.3%

FCF Margin

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

ROE

SFBC
6.5%
TFC
7.5%

ROA

SFBC
0.6%
TFC
0.9%

ROIC

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

ROCE

SFBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Sound Financial 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
SFBC, TFC

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SFBC
TFC
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Performance Gap
SFBC, TFC

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

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SFBC
TFC
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