` Comparison: PBFS vs MTG - Alpha Spread
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PBFS
vs
MTG

Over the past 12 months, PBFS has outperformed MTG, delivering a return of +21% compared to the MTG's +10% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PBFS
MTG
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Stocks Compared:
PBFS MTG
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Valuation Comparison

PBFS Intrinsic Value
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MTG Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pioneer Bancorp Inc
NASDAQ:PBFS
14.41 USD
MGIC Investment Corp
NYSE:MTG
26.7601 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PBFS, MTG

PBFS
MTG
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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
Pioneer Bancorp Inc
Revenue
MGIC Investment Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
PBFS, MTG

PBFS
MTG
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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
Pioneer Bancorp Inc
NASDAQ:PBFS
FCF is not applicable for financial companies
MGIC Investment Corp
NYSE:MTG
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PBFS
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Operating Margin

PBFS
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Net Margin

PBFS
21.2%
MTG
60.8%

FCF Margin

PBFS
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

ROE

PBFS
6.4%
MTG
14.3%

ROA

PBFS
0.9%
MTG
11.2%

ROIC

PBFS
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

ROCE

PBFS
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Solvency Comparison

Pioneer Bancorp Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
MGIC Investment Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PBFS, MTG

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MTG
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Performance Gap
PBFS, MTG

Performance Gap Between PBFS and MTG
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Performance By Year
PBFS, MTG

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PBFS
MTG
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