` Comparison: SSBI vs TFC - Alpha Spread
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SSBI
vs
TFC

Over the past 12 months, SSBI has significantly outperformed TFC, delivering a return of +36% compared to the TFC's +5% growth.

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

SSBI Intrinsic Value
11.13 USD
Overvaluation 16%
Intrinsic Value
Price
TFC Intrinsic Value
63.16 USD
Undervaluation 30%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Summit State Bank
NASDAQ:SSBI
13.25 USD
Truist Financial Corp
NYSE:TFC
44.16 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SSBI, TFC

SSBI
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
Summit State Bank
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
SSBI, TFC

SSBI
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
Summit State Bank
NASDAQ:SSBI
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

SSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Summit State Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

SSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Summit State Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

SSBI
19.2%
TFC
24.5%

FCF Margin

SSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Summit State Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

SSBI
7%
TFC
7.7%

ROA

SSBI
0.7%
TFC
0.9%

ROIC

SSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Summit State Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

SSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Summit State Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Summit State Bank
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SSBI, TFC

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

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

Performance By Year
SSBI, TFC

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SSBI
TFC
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