` Comparison: INSTA vs FCNCA - Alpha Spread

INSTA
vs
FCNCA

Over the past 12 months, INSTA has significantly outperformed FCNCA, delivering a return of +82% compared to the FCNCA's 4% drop.

Valuation Growth Profitability Solvency Stocks Performance
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INSTA
FCNCA
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Stocks Compared:
INSTA FCNCA
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Valuation Comparison

INSTA Intrinsic Value
Not Available
FCNCA Intrinsic Value
2 617.41 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Instabank ASA
OSE:INSTA
3.67 NOK
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
2 134.67 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
INSTA, FCNCA

INSTA
FCNCA
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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
Instabank ASA
Revenue
First Citizens BancShares Inc (Delaware)
Revenue

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

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Profitability Comparison

Free Cash Flow
INSTA, FCNCA

INSTA
FCNCA
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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
Instabank ASA
OSE:INSTA
FCF is not applicable for financial companies
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

INSTA
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Instabank ASA
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Operating Margin

INSTA
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Instabank ASA
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Net Margin

INSTA
23.8%
FCNCA
23.8%

FCF Margin

INSTA
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Instabank ASA
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROE

INSTA
12.3%
FCNCA
10.1%

ROA

INSTA
1.6%
FCNCA
1%

ROIC

INSTA
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Instabank ASA
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROCE

INSTA
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Instabank ASA
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
INSTA, FCNCA

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INSTA
FCNCA
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
INSTA, FCNCA

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INSTA
FCNCA
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
INSTA, FCNCA

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INSTA
FCNCA
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