` STEL (Stellar Bancorp Inc) vs FITB (Fifth Third Bancorp) Comparison - Alpha Spread

S
STEL
vs
FITB

Over the past 12 months, STEL has underperformed FITB, delivering a return of +47% compared to the FITB's +52% growth.

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STEL
FITB
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Valuation Comparison

S
STEL Intrinsic Value
31.22 USD
Overvaluation 17%
Intrinsic Value
Price $37.47
FITB Intrinsic Value
61.51 USD
Undervaluation 18%
Intrinsic Value
Price $50.64
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
S
Stellar Bancorp Inc
NYSE:STEL
37.47 USD
Fifth Third Bancorp
NASDAQ:FITB
50.64 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
STEL, FITB

STEL
FITB
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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
S
Stellar Bancorp Inc
Revenue
Fifth Third Bancorp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
STEL, FITB

STEL
FITB
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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
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Stellar Bancorp Inc
NYSE:STEL
FCF is not applicable for financial companies
Fifth Third Bancorp
NASDAQ:FITB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

STEL
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
S
Stellar Bancorp Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Operating Margin

STEL
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
S
Stellar Bancorp Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Net Margin

STEL
24.3%
FITB
26.4%

FCF Margin

STEL
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
S
Stellar Bancorp Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROE

STEL
6.3%
FITB
11.5%

ROA

STEL
0.9%
FITB
1.1%

ROIC

STEL
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
S
Stellar Bancorp Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROCE

STEL
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
S
Stellar Bancorp Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
STEL, FITB

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Performance Gap
STEL, FITB

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STEL
FITB
Difference
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Performance By Year
STEL, FITB

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STEL
FITB
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Compare STEL to other stocks
PNC
PNC Financial Services Group I...
Cheaper
vs STEL
TFC
Truist Financial Corp
Cheaper
vs STEL
HBAN
Huntington Bancshares Inc
Cheaper
vs STEL
MTB
M&T Bank Corp
Cheaper
vs STEL
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett