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

Over the past 12 months, ISBA has significantly outperformed TFC, delivering a return of +105% compared to the TFC's +10% growth.

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

ISBA 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
Isabella Bank Corp
OTC:ISBA
51.295 USD
Truist Financial Corp
NYSE:TFC
52.28 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ISBA, TFC

ISBA
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
Isabella Bank Corp
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
ISBA, TFC

ISBA
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
Isabella Bank Corp
OTC:ISBA
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

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

Operating Margin

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

Net Margin

ISBA
-17.4%
TFC
24.5%

FCF Margin

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

ROE

ISBA
-114.9%
TFC
7.7%

ROA

ISBA
-6.2%
TFC
0.9%

ROIC

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

ROCE

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

Solvency Comparison

Isabella Bank Corp
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
ISBA, TFC

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ISBA
TFC
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Performance Gap
ISBA, TFC

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

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ISBA
TFC
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