` Comparison: HFBK vs TFC - Alpha Spread
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HFBK
vs
TFC

Over the past 12 months, HFBK has underperformed TFC, delivering a return of +22% compared to the TFC's +40% growth.

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

HFBK Intrinsic Value
29.89 USD
Overvaluation 25%
Intrinsic Value
Price $39.99
TFC Intrinsic Value
63.16 USD
Undervaluation 21%
Intrinsic Value
Price $49.6
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Harford Bank
OTC:HFBK
39.99 USD
Truist Financial Corp
NYSE:TFC
49.6 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HFBK, TFC

HFBK
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
Harford Bank
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
HFBK, TFC

HFBK
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
Harford Bank
OTC:HFBK
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

HFBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

HFBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

HFBK
28%
TFC
24.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Truist Financial Corp

FCF Margin

HFBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

HFBK
11.2%
TFC
7.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Truist Financial Corp

ROA

HFBK
1%
TFC
0.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Truist Financial Corp

ROIC

HFBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

HFBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Harford Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Harford Bank
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HFBK, TFC

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TFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HFBK, TFC

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HFBK
TFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HFBK, TFC

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TFC
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