` Comparison: VBNK, TFC - Alpha Spread

VBNK
vs
TFC

Over the past 12 months, VBNK has underperformed TFC, delivering a return of -1% compared to the TFC's +5% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
VBNK
TFC
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

VBNK Intrinsic Value
Not Available
TFC Intrinsic Value
56.81 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
VersaBank
TSX:VBNK
15.8 CAD
Truist Financial Corp
NYSE:TFC
45.65 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
VBNK, TFC

VBNK
TFC
Add Stock
Revenue
www.alphaspread.com
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
Truist Financial Corp
Revenue

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

Profitability Comparison

Free Cash Flow
VBNK, TFC

VBNK
TFC
Add Stock
Free Cash Flow
www.alphaspread.com
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
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

VBNK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

VBNK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

VBNK
34.2%
TFC
24.4%
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Truist Financial Corp

FCF Margin

VBNK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

VBNK
7.6%
TFC
7.6%
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Truist Financial Corp

ROA

VBNK
1%
TFC
0.9%
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Truist Financial Corp

ROIC

VBNK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

VBNK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
VBNK, TFC

Loading

Performance Gap
VBNK, TFC

Loading
VBNK
TFC
Difference
www.alphaspread.com

Performance By Year
VBNK, TFC

Loading
VBNK
TFC
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare VBNK to other stocks
Unlock Full Access to Alpha Spread
Create Free Account