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

Over the past 12 months, SCZC has underperformed TFC, delivering a return of -2% compared to the TFC's +10% growth.

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

SCZC Intrinsic Value
Not Available
TFC Intrinsic Value
62.96 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Santa Cruz County Bank
OTC:SCZC
40 USD
Truist Financial Corp
NYSE:TFC
49.76 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SCZC, TFC

SCZC
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
Santa Cruz County 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
SCZC, TFC

SCZC
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
Santa Cruz County Bank
OTC:SCZC
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

SCZC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Santa Cruz County Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

SCZC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Santa Cruz County Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

SCZC
41.4%
TFC
24.5%

FCF Margin

SCZC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Santa Cruz County Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

SCZC
16.1%
TFC
7.7%

ROA

SCZC
1.8%
TFC
0.9%

ROIC

SCZC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Santa Cruz County Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

SCZC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Santa Cruz County Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Santa Cruz County 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
SCZC, TFC

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

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

Performance By Year
SCZC, TFC

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TFC
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