Waterstone Financial (NASDAQ: WSBF) is one of 296 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Waterstone Financial to similar businesses based on the strength of its institutional ownership, valuation, analyst recommendations, risk, profitability, earnings and dividends.

Analyst Recommendations

This is a summary of recent ratings and target prices for Waterstone Financial and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Waterstone Financial 0 1 0 0 2.00
Waterstone Financial Competitors 2376 8493 8488 363 2.35

Waterstone Financial presently has a consensus target price of $19.00, indicating a potential upside of 7.34%. As a group, “Banks” companies have a potential downside of 11.95%. Given Waterstone Financial’s higher probable upside, research analysts plainly believe Waterstone Financial is more favorable than its competitors.

Risk & 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.

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 18.42% 8.15% 0.92%

Valuation & Earnings

This table compares Waterstone Financial and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Waterstone Financial $190.10 million $25.53 million 16.86
Waterstone Financial Competitors $5.72 billion $857.45 million 418.37

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.

Institutional & Insider Ownership

59.8% of Waterstone Financial shares are held by institutional investors. Comparatively, 51.7% of shares of all “Banks” companies are held by institutional investors. 12.3% of Waterstone Financial shares are held by insiders. Comparatively, 10.5% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

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 1.9% and pay out 35.4% of their earnings in the form of a dividend.

Summary

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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