` Comparison: SPFI, MTB - Alpha Spread

SPFI
vs
MTB

Over the past 12 months, SPFI has outperformed MTB, delivering a return of +3% compared to the MTB's +2% growth.

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

SPFI Intrinsic Value
47.35 USD
Undervaluation 15%
Intrinsic Value
Price
MTB Intrinsic Value
260.87 USD
Undervaluation 22%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
South Plains Financial Inc
NASDAQ:SPFI
40.4 USD
M&T Bank Corp
NYSE:MTB
204.6 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SPFI, MTB

SPFI
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
South Plains Financial 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
SPFI, MTB

SPFI
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
South Plains Financial Inc
NASDAQ:SPFI
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

SPFI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

SPFI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

SPFI
28.5%
MTB
27.3%

FCF Margin

SPFI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

SPFI
13%
MTB
9.1%

ROA

SPFI
1.4%
MTB
1.2%

ROIC

SPFI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

SPFI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial 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
SPFI, MTB

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

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

Performance By Year
SPFI, MTB

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SPFI
MTB
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