` Comparison: VBNK, TFC - Alpha Spread

VBNK
vs
TFC

Over the past 12 months, VBNK has underperformed TFC, delivering a return of +8% compared to the TFC's +15% growth.

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

VBNK Intrinsic Value
Not Available
TFC Intrinsic Value
62.73 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
VersaBank
TSX:VBNK
20.56 CAD
Truist Financial Corp
NYSE:TFC
50.75 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
VBNK, TFC

VBNK
TFC
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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
Truist Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
VBNK, TFC

VBNK
TFC
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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
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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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
24.3%
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
7.5%
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

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
VBNK, TFC

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VBNK
TFC
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Performance Gap
VBNK, TFC

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

Performance By Year
VBNK, TFC

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VBNK
TFC
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