` Comparison: LSBK vs UWMC - Alpha Spread

L
LSBK
vs
UWMC

Over the past 12 months, LSBK has significantly outperformed UWMC, delivering a return of +27% compared to the UWMC's 34% drop.

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LSBK
UWMC
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Valuation Comparison

L
LSBK Intrinsic Value
7.97 USD
Overvaluation 46%
Intrinsic Value
Price
UWMC Intrinsic Value
10.99 USD
Undervaluation 66%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
L
Lake Shore Bancorp Inc
NASDAQ:LSBK
14.84 USD
UWM Holdings Corp
NYSE:UWMC
3.74 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
LSBK, UWMC

LSBK
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
L
Lake Shore 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
LSBK, UWMC

LSBK
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
L
Lake Shore Bancorp Inc
NASDAQ:LSBK
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

LSBK
UWMC
88.8%
LTM 3Y Avg 5Y Avg 10Y Avg
L
Lake Shore Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

LSBK
UWMC
48.7%
LTM 3Y Avg 5Y Avg 10Y Avg
L
Lake Shore Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Net Margin

LSBK
26.1%
UWMC
0.9%

FCF Margin

LSBK
UWMC
-86.1%
LTM 3Y Avg 5Y Avg 10Y Avg
L
Lake Shore Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

ROE

LSBK
6.3%
UWMC
15.2%

ROA

LSBK
1%
UWMC
0.2%

ROIC

LSBK
UWMC
9.6%
LTM 3Y Avg 5Y Avg 10Y Avg
L
Lake Shore Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

ROCE

LSBK
UWMC
10.1%
LTM 3Y Avg 5Y Avg 10Y Avg
L
Lake Shore 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
LSBK, UWMC

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Performance Gap
LSBK, UWMC

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LSBK
UWMC
Difference
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Performance By Year
LSBK, UWMC

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LSBK
UWMC
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett