Waterstone Financial (NASDAQ:WSBF) and FSB Bancorp (NASDAQ:FSBC) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, valuation, analyst recommendations, institutional ownership, risk, profitability and earnings.
Institutional & Insider Ownership
58.2% of Waterstone Financial shares are held by institutional investors. Comparatively, 21.0% of FSB Bancorp shares are held by institutional investors. 12.1% of Waterstone Financial shares are held by insiders. Comparatively, 9.2% of FSB Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Waterstone Financial has a beta of 0.08, indicating that its stock price is 92% less volatile than the S&P 500. Comparatively, FSB Bancorp has a beta of 0.96, indicating that its stock price is 4% less volatile than the S&P 500.
This table compares Waterstone Financial and FSB Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Waterstone Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.9%. FSB Bancorp does not pay a dividend.
Earnings & Valuation
This table compares Waterstone Financial and FSB Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Waterstone Financial||$191.90 million||2.45||$30.75 million||N/A||N/A|
|FSB Bancorp||$15.26 million||2.26||$140,000.00||N/A||N/A|
Waterstone Financial has higher revenue and earnings than FSB Bancorp.
This is a summary of current ratings for Waterstone Financial and FSB Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Waterstone Financial currently has a consensus price target of $12.75, indicating a potential downside of 23.97%. Given Waterstone Financial’s higher possible upside, equities analysts plainly believe Waterstone Financial is more favorable than FSB Bancorp.
Waterstone Financial beats FSB Bancorp on 10 of the 11 factors compared between the two stocks.
About Waterstone Financial
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates through two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, and money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposit, and individual retirement accounts, as well as certificates of deposit; lending solutions consisting of residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, and insurance products, as well as trust and investment management accounts. The Mortgage Banking segment provides residential mortgage loans for the purpose of sale in the secondary market. The company also provides transaction deposit, demand deposit, and non-interest bearing demand accounts, as well as time deposits; construction and land loans; and term loans for working capital, inventory, and general corporate use. In addition, it invests in a portfolio of securities, which include mortgage-backed securities, government-sponsored enterprise bonds, municipal obligations, and other debt securities. Waterstone Financial, Inc. operates 11 full-service banking offices, 1 drive-through office, and 11 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin, as well as a loan production office in Minneapolis, Minnesota. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
About FSB Bancorp
FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.
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