` Comparison: TCA vs TFC - Alpha Spread

TCA
vs
TFC

Over the past 12 months, TCA has outperformed TFC, delivering a return of +11% compared to the TFC's +7% growth.

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

TCA Intrinsic Value
101.54 EUR
Undervaluation 18%
Intrinsic Value
Price
TFC Intrinsic Value
59.035 USD
Undervaluation 14%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Texas Capital Bancshares Inc
XMUN:TCA
83 EUR
Truist Financial Corp
NYSE:TFC
50.855 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
TCA, TFC

TCA
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
Texas Capital Bancshares Inc
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
TCA, TFC

TCA
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
Texas Capital Bancshares Inc
XMUN:TCA
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

TCA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

TCA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

TCA
24.9%
TFC
24.5%

FCF Margin

TCA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

TCA
8.9%
TFC
7.7%

ROA

TCA
1%
TFC
0.9%

ROIC

TCA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

TCA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
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
TCA, TFC

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TCA
TFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
TCA, TFC

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

Performance By Year
TCA, TFC

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TCA
TFC
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