` Comparison: HFBL, UWMC - Alpha Spread

HFBL
vs
UWMC

Over the past 12 months, HFBL has significantly outperformed UWMC, delivering a return of +40% compared to the UWMC's 23% drop.

Valuation Growth Profitability Solvency Stocks Performance
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HFBL
UWMC
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Stocks Compared:
HFBL UWMC
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Valuation Comparison

HFBL 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
Home Federal Bancorp Inc of Louisiana
NASDAQ:HFBL
17.8 USD
UWM Holdings Corp
NYSE:UWMC
4.41 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HFBL, UWMC

HFBL
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
Home Federal Bancorp Inc of Louisiana
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
HFBL, UWMC

HFBL
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
Home Federal Bancorp Inc of Louisiana
NASDAQ:HFBL
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

HFBL
UWMC
88.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Home Federal Bancorp Inc of Louisiana
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

HFBL
UWMC
47.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Home Federal Bancorp Inc of Louisiana
Not applicable for financial companies
UWM Holdings Corp

Net Margin

HFBL
20.8%
UWMC
0.6%

FCF Margin

HFBL
UWMC
-114.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Home Federal Bancorp Inc of Louisiana
Not applicable for financial companies
UWM Holdings Corp

ROE

HFBL
8.2%
UWMC
11.4%

ROA

HFBL
0.7%
UWMC
0.1%

ROIC

HFBL
UWMC
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Home Federal Bancorp Inc of Louisiana
Not applicable for financial companies
UWM Holdings Corp

ROCE

HFBL
UWMC
9.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Home Federal Bancorp Inc of Louisiana
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
HFBL, UWMC

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HFBL
UWMC
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Performance Gap
HFBL, UWMC

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

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HFBL
UWMC
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