` Comparison: SPFI, TFC - Alpha Spread

SPFI
vs
TFC

Over the past 12 months, SPFI has underperformed TFC, delivering a return of +5% compared to the TFC's +10% growth.

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SPFI
TFC
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Stocks Compared:
SPFI TFC
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Valuation Comparison

SPFI 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
South Plains Financial Inc
NASDAQ:SPFI
41.16 USD
Truist Financial Corp
NYSE:TFC
49.89 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SPFI, TFC

SPFI
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
South Plains Financial 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
SPFI, TFC

SPFI
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
South Plains Financial Inc
NASDAQ:SPFI
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

SPFI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

SPFI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

SPFI
28.5%
TFC
24.3%

FCF Margin

SPFI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

SPFI
13%
TFC
7.5%

ROA

SPFI
1.4%
TFC
0.9%

ROIC

SPFI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
South Plains Financial Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

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

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SPFI
TFC
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Performance Gap
SPFI, TFC

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

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SPFI
TFC
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