` Comparison: VBNK, FITB - Alpha Spread

VBNK
vs
FITB

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

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

VBNK Intrinsic Value
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FITB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
VersaBank
TSX:VBNK
20.92 CAD
Fifth Third Bancorp
NASDAQ:FITB
47.83 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
VBNK, FITB

VBNK
FITB
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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
Fifth Third Bancorp
Revenue

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

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Profitability Comparison

Free Cash Flow
VBNK, FITB

VBNK
FITB
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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
Fifth Third Bancorp
NASDAQ:FITB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

VBNK
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Operating Margin

VBNK
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Net Margin

VBNK
34.2%
FITB
25.3%
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Fifth Third Bancorp

FCF Margin

VBNK
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROE

VBNK
7.6%
FITB
10.8%
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Fifth Third Bancorp

ROA

VBNK
1%
FITB
1.1%
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Fifth Third Bancorp

ROIC

VBNK
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROCE

VBNK
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
VBNK, FITB

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VBNK
FITB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
VBNK, FITB

Performance Gap Between VBNK and FITB
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Performance By Year
VBNK, FITB

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VBNK
FITB
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