Waterstone Financial (WSBF) and Its Peers Head to Head Comparison

Waterstone Financial (NASDAQ: WSBF) is one of 310 public companies in the “Banks” industry, but how does it contrast to its competitors? We will compare Waterstone Financial to related companies based on the strength of its valuation, risk, analyst recommendations, dividends, institutional ownership, profitability and earnings.

Insider & Institutional Ownership

59.8% of Waterstone Financial shares are owned by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are owned by institutional investors. 12.3% of Waterstone Financial shares are owned by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk and Volatility

Waterstone Financial has a beta of 0.08, suggesting that its stock price is 92% less volatile than the S&P 500. Comparatively, Waterstone Financial’s competitors have a beta of 0.78, suggesting that their average stock price is 22% less volatile than the S&P 500.


This table compares Waterstone Financial and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Waterstone Financial 15.14% 7.11% 1.61%
Waterstone Financial Competitors 18.81% 8.19% 0.93%

Analyst Recommendations

This is a breakdown of current ratings and target prices for Waterstone Financial and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Waterstone Financial 0 1 0 0 2.00
Waterstone Financial Competitors 2421 8789 8742 364 2.35

Waterstone Financial presently has a consensus price target of $19.00, indicating a potential upside of 7.04%. As a group, “Banks” companies have a potential downside of 9.54%. Given Waterstone Financial’s higher probable upside, equities research analysts clearly believe Waterstone Financial is more favorable than its competitors.


Waterstone Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.7%. Waterstone Financial pays out 45.7% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.8% and pay out 35.0% of their earnings in the form of a dividend.

Earnings & Valuation

This table compares Waterstone Financial and its competitors top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Waterstone Financial $190.10 million $25.53 million 16.90
Waterstone Financial Competitors $5.50 billion $827.87 million 390.56

Waterstone Financial’s competitors have higher revenue and earnings than Waterstone Financial. Waterstone Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.


Waterstone Financial competitors beat Waterstone Financial on 10 of the 15 factors compared.

Waterstone Financial Company Profile

Waterstone Financial, Inc. is the holding company of WaterStone Bank SSB (WaterStone Bank). WaterStone Bank is a community bank. The Company operates in two segments: community banking and mortgage banking. The community banking segment provides consumer and business banking products and services. Its consumer products include loan products, deposit products, and personal investment services. Its business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment, which is conducted through Waterstone Mortgage Corporation, consists of originating residential mortgage loans primarily for sale in the secondary market. As of December 31, 2015, WaterStone Bank conducted its community banking business from 11 banking offices located in Milwaukee, Washington and Waukesha Counties, Wisconsin, as well as a loan production office in Minneapolis, Minnesota.

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