` Comparison: TRST vs UWMC - Alpha Spread
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TRST
vs
UWMC

Over the past 12 months, TRST has significantly outperformed UWMC, delivering a return of +40% compared to the UWMC's 38% drop.

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

TRST 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
TrustCo Bank Corp N Y
NASDAQ:TRST
43.05 USD
UWM Holdings Corp
NYSE:UWMC
3.69 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
TRST, UWMC

TRST
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
TrustCo Bank Corp N Y
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
TRST, UWMC

TRST
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
TrustCo Bank Corp N Y
NASDAQ:TRST
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

TRST
UWMC
88.8%
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

TRST
UWMC
48.7%
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
UWM Holdings Corp

Net Margin

TRST
32.5%
UWMC
0.9%

FCF Margin

TRST
UWMC
-86.1%
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
UWM Holdings Corp

ROE

TRST
9%
UWMC
15.2%

ROA

TRST
1%
UWMC
0.2%

ROIC

TRST
UWMC
9.6%
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
UWM Holdings Corp

ROCE

TRST
UWMC
10.1%
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
UWM Holdings Corp

Solvency Comparison

TrustCo Bank Corp N Y
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
UWM Holdings 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
TRST, UWMC

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UWMC
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Performance Gap
TRST, UWMC

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

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TRST
UWMC
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