WSBF PEER ANALYSIS

Waterstone Financial Inc — metric-by-metric comparison with peers and the industry median

WSBFWaterstone Financial Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

WSBFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	WSBF	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
P/E	11.90	—	15.93	2.96●	9.10	13.24	12.88
P/B	1.00	32,231.62	4.06	0.71●	1.40	1.39	1.28
EV/EBITDA	18.15	428,450.45	-9.01●	2.20	-8.48	14.73	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WSBF	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.23	—	—	—	0.25●	0.12	0.31
Debt/Equity	118.6%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	9.39	-28.33●	-20.34	-0.47	-14.68	5.39	-0.58

Profitability
Metric	WSBF	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Net Margin	14.2%	28.1%	24.7%	54.9%●	20.1%	25.9%	20.6%
ROE	8.5%	20.2%	28.9%●	27.4%	14.9%	10.6%	10.9%
ROA	1.3%	1.8%	1.1%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	WSBF	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	57.1%	71.8%●	—	-1.3%	16.0%	16.2%	19.4%
Div. Yield	3.0%	—	—	—	4.8%●	3.2%	2.5%
Payout	36.3%	—	—	—	—	—	31.4%

Valuation
Metric	WSBF	CHMG	BRBS	TSBK	BCML	CZFS	Ind. Median
P/E	11.90	19.62	28.81	11.34	13.82	8.89●	12.88
P/B	1.00●	1.36	1.25	1.29	1.06	1.02	1.28
EV/EBITDA	18.15	6.88●	20.95	8.57	9.35	8.43	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WSBF	CHMG	BRBS	TSBK	BCML	CZFS	Ind. Median
Current Ratio	0.23	—	—	179.28●	0.02	0.06	0.31
Debt/Equity	118.6%	49.0%	62.0%	8.5%	5.9%●	57.8%	38.0%
NetDebt/EBITDA	9.39	-6.50●	1.41	-0.03	-0.08	1.32	-0.58

Profitability
Metric	WSBF	CHMG	BRBS	TSBK	BCML	CZFS	Ind. Median
Net Margin	14.2%	12.8%	8.3%	26.7%●	18.3%	22.5%	20.6%
ROE	8.5%	7.4%	3.9%	11.8%	7.8%	12.1%●	10.9%
ROA	1.3%	0.7%	0.5%	1.6%●	1.0%	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	WSBF	CHMG	BRBS	TSBK	BCML	CZFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	57.1%●	-19.3%	—	19.3%	12.7%	38.4%	19.4%
Div. Yield	3.0%	1.8%	6.5%●	2.4%	3.1%	2.7%	2.5%
Payout	36.3%	35.2%	187.5%	27.8%	31.0%	24.4%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.