` Comparison: VBNK, FCNCA - Alpha Spread

VBNK
vs
FCNCA

Over the past 12 months, VBNK has outperformed FCNCA, delivering a return of +8% compared to the FCNCA's +1% growth.

Valuation Growth Profitability Solvency Stocks Performance
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VBNK
FCNCA
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Stocks Compared:
VBNK FCNCA
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Valuation Comparison

VBNK Intrinsic Value
Not Available
FCNCA Intrinsic Value
2 640.06 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
VersaBank
TSX:VBNK
20.56 CAD
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
2 167 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
VBNK, FCNCA

VBNK
FCNCA
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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
VersaBank
Revenue
First Citizens BancShares Inc (Delaware)
Revenue

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

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Profitability Comparison

Free Cash Flow
VBNK, FCNCA

VBNK
FCNCA
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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
VersaBank
TSX:VBNK
FCF is not applicable for financial companies
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

VBNK
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Operating Margin

VBNK
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Net Margin

VBNK
34.2%
FCNCA
23.8%

FCF Margin

VBNK
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROE

VBNK
7.6%
FCNCA
10.1%

ROA

VBNK
1%
FCNCA
1%

ROIC

VBNK
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROCE

VBNK
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
VBNK, FCNCA

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VBNK
FCNCA
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Performance Gap
VBNK, FCNCA

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VBNK
FCNCA
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
VBNK, FCNCA

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VBNK
FCNCA
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