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

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 16.62
Waterstone Financial Competitors $5.58 billion $833.70 million 392.09

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.

Analyst Recommendations

This is a summary of current ratings and recommmendations 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 2429 8809 8835 370 2.35

Waterstone Financial currently has a consensus target price of $19.00, suggesting a potential upside of 8.88%. As a group, “Banks” companies have a potential downside of 8.97%. Given Waterstone Financial’s higher probable upside, equities research analysts plainly believe Waterstone Financial is more favorable than its competitors.

Dividends

Waterstone Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.8%. 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 1.9% and pay out 36.1% of their earnings in the form of a dividend.

Profitability

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 18.40% 8.30% 0.93%

Risk and Volatility

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

Insider and Institutional Ownership

59.7% of Waterstone Financial shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 12.3% of Waterstone Financial shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

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

About Waterstone Financial

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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