Western New England Bancorp vs Waterstone Financial
WNEB and WSBF side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How WNEB and WSBF compare
Waterstone Financial is the larger company, worth 1.3 times as much as Western New England Bancorp ($361M against $274M).
On earnings, Waterstone Financial is cheaper: it trades at 11.7× trailing earnings, against 13.7× for Western New England Bancorp.
Western New England Bancorp grew revenue faster over the last twelve months (14.8% versus 12.4% for Waterstone Financial).
Western New England Bancorp keeps more of each dollar of sales as profit, with a net margin of 21.9% compared with 20.0% at Waterstone Financial.
Both pay dividends: Western New England Bancorp yields 2.6% and Waterstone Financial 3.3%.
Waterstone Financial scores higher on the StockData Score (16 against 15 for Western New England Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | WNEB | WSBF |
|---|---|---|
| Size and price | ||
| Market cap | $274M | $361M |
| Share price | $13.66 | $20.08 |
| Change, 1 year | 15.6% | 30.4% |
| Change, 5 years | 45.8% | −6.6% |
| Beta (5Y) | 0.57 | 0.53 |
| Employees | 334 | 593 |
| StockData Score | ||
| Total score | 15 | 16 (better) |
| Valuation score | 1 | 5 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 4 (better) | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.7× | 11.7× (better) |
| P/S | 3.0× | 2.4× (better) |
| P/B | 1.1× | 1.0× (better) |
| P/FCF | 14.4× | 8.4× (better) |
| PEG | – | 0.63 |
| FCF yield | 6.9% | 11.8% (better) |
| Fair value | $12.01 | $20.90 |
| Margin of safety | −13.7% | 3.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 14.8% (better) | 12.4% |
| Revenue growth, 5Y average | 352% (better) | −13.8% |
| Net income growth (TTM) | 49.0% (better) | 45.4% |
| EPS growth (TTM) | 51.5% (better) | 50.9% |
| EPS growth, 5Y average | 10.8% (better) | −14.8% |
| Profitability | ||
| Net margin | 21.9% (better) | 20.0% |
| FCF margin | 20.9% | 28.5% (better) |
| Return on equity | 8.1% | 8.7% (better) |
| Financial health | ||
| Debt / equity | 0.03 | – |
| Altman Z-score | 0.18 | 0.37 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.6% | 3.3% (better) |
| Payout ratio | 28.0% | 35.9% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 7.0% (better) | −15.1% |
| Buyback yield | 3.5% | 4.0% (better) |
| Shareholder yield | 6.0% | 7.3% (better) |
| Ownership | ||
| Held by institutions | 62.7% | 54.4% |
| Held by insiders | 6.2% | 4.8% |
| Insider net buying, 12 months | −$182K (better) | −$2.4M |
| Short interest, % of float | 1.1% | 2.5% |
Go deeper
- WNEB stock overview
- WNEB income statement
- WNEB valuation and score
- WSBF stock overview
- WSBF income statement
- WSBF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.