` Comparison: 7186 vs MTB - Alpha Spread

7186
vs
MTB

Over the past 12 months, Concordia Financial Group Ltd has significantly outperformed MTB, delivering a return of +85% compared to the MTB's +16% growth.

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7186
MTB
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Valuation Comparison

Concordia Financial Group Ltd 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
Concordia Financial Group Ltd
TSE:7186
1 665 JPY
M&T Bank Corp
NYSE:MTB
218.78 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
7186, MTB

7186
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
Concordia Financial Group Ltd
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
7186, MTB

7186
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
Concordia Financial Group Ltd
TSE:7186
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

Concordia Financial Group Ltd
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Concordia Financial Group Ltd
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

Concordia Financial Group Ltd
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Concordia Financial Group Ltd
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

Concordia Financial Group Ltd
27.6%
MTB
27.9%

FCF Margin

Concordia Financial Group Ltd
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Concordia Financial Group Ltd
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

Concordia Financial Group Ltd
7.9%
MTB
9.3%

ROA

Concordia Financial Group Ltd
0.4%
MTB
1.3%

ROIC

Concordia Financial Group Ltd
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Concordia Financial Group Ltd
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

Concordia Financial Group Ltd
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Concordia Financial Group Ltd
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
7186, MTB

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Performance Gap
7186, MTB

Performance Gap Between 7186 and MTB
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Performance By Year
7186, MTB

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7186
MTB
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