` Comparison: CHBH, TFC - Alpha Spread

CHBH
vs
TFC

Over the past 12 months, CHBH has underperformed TFC, delivering a return of +11% compared to the TFC's +15% growth.

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CHBH
TFC
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Stocks Compared:
CHBH TFC
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Valuation Comparison

CHBH 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
Croghan Bancshares Inc
OTC:CHBH
53 USD
Truist Financial Corp
NYSE:TFC
50.08 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CHBH, TFC

CHBH
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
Croghan Bancshares Inc
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
CHBH, TFC

CHBH
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
Croghan Bancshares Inc
OTC:CHBH
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

CHBH
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Croghan Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

CHBH
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Croghan Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

CHBH
31.4%
TFC
24.3%

FCF Margin

CHBH
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Croghan Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

CHBH
11.3%
TFC
7.5%

ROA

CHBH
1.3%
TFC
0.9%

ROIC

CHBH
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Croghan Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

CHBH
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Croghan Bancshares Inc
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
CHBH, TFC

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CHBH
TFC
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Performance Gap
CHBH, TFC

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

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CHBH
TFC
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