` Comparison: VLY, TFC - Alpha Spread

VLY
vs
TFC

Over the past 12 months, VLY has outperformed TFC, delivering a return of +29% compared to the TFC's +16% growth.

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VLY
TFC
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Stocks Compared:
VLY TFC
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Valuation Comparison

VLY 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
Valley National Bancorp
NASDAQ:VLY
11.91 USD
Truist Financial Corp
NYSE:TFC
50.13 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
VLY, TFC

VLY
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
Valley National Bancorp
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
VLY, TFC

VLY
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
Valley National Bancorp
NASDAQ:VLY
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

VLY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

VLY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

VLY
25%
TFC
24.3%

FCF Margin

VLY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

VLY
6.7%
TFC
7.5%

ROA

VLY
0.8%
TFC
0.9%

ROIC

VLY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

VLY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
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
VLY, TFC

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VLY
TFC
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Performance Gap
VLY, TFC

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

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VLY
TFC
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