` Comparison: FLG, MTB - Alpha Spread

FLG
vs
MTB

Over the past 12 months, FLG has significantly outperformed MTB, delivering a return of +31% compared to the MTB's +4% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FLG
MTB
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Stocks Compared:
FLG MTB
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Valuation Comparison

FLG Intrinsic Value
19.86 USD
Undervaluation 34%
Intrinsic Value
Price
MTB Intrinsic Value
254.9131 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Flagstar Financial Inc
NYSE:FLG
13.08 USD
M&T Bank Corp
NYSE:MTB
204.9538 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FLG, MTB

FLG
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
Flagstar Financial Inc
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
FLG, MTB

FLG
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
Flagstar Financial Inc
NYSE:FLG
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

FLG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Flagstar Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FLG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Flagstar Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

FLG
-20.1%
MTB
27.3%

FCF Margin

FLG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Flagstar Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

FLG
-5.1%
MTB
9.1%

ROA

FLG
-0.4%
MTB
1.2%

ROIC

FLG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Flagstar Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

FLG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Flagstar Financial Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FLG, MTB

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

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FLG
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FLG, MTB

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FLG
MTB
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