` Comparison: SFNC, TFC - Alpha Spread

SFNC
vs
TFC

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

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

SFNC Intrinsic Value
30.64 USD
Undervaluation 36%
Intrinsic Value
Price
TFC Intrinsic Value
62.66 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Simmons First National Corp
NASDAQ:SFNC
19.57 USD
Truist Financial Corp
NYSE:TFC
49.71 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SFNC, TFC

SFNC
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
Simmons First National Corp
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
SFNC, TFC

SFNC
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
Simmons First National Corp
NASDAQ:SFNC
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

SFNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Simmons First National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

SFNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Simmons First National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

SFNC
-681.2%
TFC
24.3%

FCF Margin

SFNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Simmons First National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

SFNC
-12.4%
TFC
7.5%

ROA

SFNC
-1.7%
TFC
0.9%

ROIC

SFNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Simmons First National Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

SFNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Simmons First National Corp
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
SFNC, TFC

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SFNC
TFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
SFNC, TFC

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SFNC
TFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
SFNC, TFC

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SFNC
TFC
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