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

Over the past 12 months, HCBC has significantly outperformed UWMC, delivering a return of +22% compared to the UWMC's 37% drop.

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

HCBC Intrinsic Value
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UWMC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
High Country Bancorp Inc
OTC:HCBC
36 USD
UWM Holdings Corp
NYSE:UWMC
3.42 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HCBC, UWMC

HCBC
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
High Country 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
HCBC, UWMC

HCBC
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
High Country Bancorp Inc
OTC:HCBC
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

HCBC
UWMC
88.8%
LTM 3Y Avg 5Y Avg 10Y Avg
High Country Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

HCBC
UWMC
48.7%
LTM 3Y Avg 5Y Avg 10Y Avg
High Country Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Net Margin

HCBC
16.7%
UWMC
0.9%

FCF Margin

HCBC
UWMC
-86.1%
LTM 3Y Avg 5Y Avg 10Y Avg
High Country Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

ROE

HCBC
7.7%
UWMC
15.2%

ROA

HCBC
0.7%
UWMC
0.2%

ROIC

HCBC
UWMC
9.6%
LTM 3Y Avg 5Y Avg 10Y Avg
High Country Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

ROCE

HCBC
UWMC
10.1%
LTM 3Y Avg 5Y Avg 10Y Avg
High Country Bancorp Inc
Not applicable for financial companies
UWM Holdings Corp

Solvency Comparison

High Country Bancorp Inc
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
HCBC, UWMC

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HCBC
UWMC
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Performance Gap
HCBC, UWMC

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

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HCBC
UWMC
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