` Comparison: USCB vs MTB - Alpha Spread
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U
USCB
vs
MTB

Over the past 12 months, USCB has underperformed MTB, delivering a return of +1% compared to the MTB's +17% growth.

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USCB
MTB
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Stocks Compared:
USCB MTB
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Valuation Comparison

USCB Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
U
US Century Bank
NASDAQ:USCB
19.8 USD
M&T Bank Corp
NYSE:MTB
234.02 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
USCB, MTB

USCB
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
U
US Century Bank
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
USCB, MTB

USCB
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
U
US Century Bank
NASDAQ:USCB
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

USCB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

USCB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

USCB
28.9%
MTB
27.9%
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
M&T Bank Corp

FCF Margin

USCB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

USCB
12.3%
MTB
9.3%
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
M&T Bank Corp

ROA

USCB
1%
MTB
1.3%
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
M&T Bank Corp

ROIC

USCB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

USCB
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
U
US Century Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

U
US Century Bank
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
M&T Bank 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
USCB, MTB

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

Performance Gap Between USCB and MTB
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Performance By Year
USCB, MTB

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USCB
MTB
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