` Comparison: WABC, TFC - Alpha Spread

WABC
vs
TFC

Over the past 12 months, WABC has underperformed TFC, delivering a return of -11% compared to the TFC's +10% growth.

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

WABC 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
Westamerica Bancorp
NASDAQ:WABC
49.28 USD
Truist Financial Corp
NYSE:TFC
49.74 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
WABC, TFC

WABC
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
Westamerica 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
WABC, TFC

WABC
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
Westamerica Bancorp
NASDAQ:WABC
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

WABC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Westamerica Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

WABC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Westamerica Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

WABC
45.4%
TFC
24.3%

FCF Margin

WABC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Westamerica Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

WABC
13.1%
TFC
7.5%

ROA

WABC
2%
TFC
0.9%

ROIC

WABC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Westamerica Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

WABC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Westamerica 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
WABC, TFC

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WABC
TFC
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Performance Gap
WABC, TFC

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

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WABC
TFC
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