` Comparison: GCBC, UWMC - Alpha Spread

GCBC
vs
UWMC

Over the past 12 months, GCBC has outperformed UWMC, delivering a return of -17% compared to the UWMC's 18% drop.

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GCBC
UWMC
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Stocks Compared:
GCBC UWMC
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Valuation Comparison

GCBC Intrinsic Value
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UWMC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Greene County Bancorp Inc
NASDAQ:GCBC
24.71 USD
UWM Holdings Corp
NYSE:UWMC
4.85 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
GCBC, UWMC

GCBC
UWMC
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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
Greene County Bancorp Inc
Revenue
UWM Holdings Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
GCBC, UWMC

GCBC
UWMC
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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
Greene County Bancorp Inc
NASDAQ:GCBC
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

GCBC
UWMC
88.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Greene County Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

GCBC
UWMC
47.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Greene County Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Net Margin

GCBC
42.2%
UWMC
0.6%

FCF Margin

GCBC
UWMC
-114.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Greene County Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

ROE

GCBC
14.5%
UWMC
11.4%

ROA

GCBC
1.1%
UWMC
0.1%

ROIC

GCBC
UWMC
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Greene County Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

ROCE

GCBC
UWMC
9.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Greene County Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
GCBC, UWMC

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GCBC
UWMC
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Performance Gap
GCBC, UWMC

Performance Gap Between GCBC and UWMC
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Performance By Year
GCBC, UWMC

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GCBC
UWMC
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