` Comparison: SFDL, MTB - Alpha Spread

SFDL
vs
MTB

Over the past 12 months, SFDL has outperformed MTB, delivering a return of +18% compared to the MTB's +9% growth.

Valuation Growth Profitability Solvency Stocks Performance
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SFDL
MTB
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Stocks Compared:
SFDL MTB
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Valuation Comparison

SFDL Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Security Federal Corp
OTC:SFDL
31.75 USD
M&T Bank Corp
NYSE:MTB
207.29 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SFDL, MTB

SFDL
MTB
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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
Security Federal Corp
Revenue
M&T Bank Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
SFDL, MTB

SFDL
MTB
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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
Security Federal Corp
OTC:SFDL
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SFDL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Security Federal Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

SFDL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Security Federal Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

SFDL
18.2%
MTB
27.3%

FCF Margin

SFDL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Security Federal Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

SFDL
5.4%
MTB
9.1%

ROA

SFDL
0.6%
MTB
1.2%

ROIC

SFDL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Security Federal Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

SFDL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Security Federal Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SFDL, MTB

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SFDL
MTB
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Performance Gap
SFDL, MTB

Performance Gap Between SFDL and MTB
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Performance By Year
SFDL, MTB

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SFDL
MTB
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