Capitol Federal Financial vs Waterstone Financial
CFFN 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 CFFN and WSBF compare
Capitol Federal Financial is the larger company, worth 3.0 times as much as Waterstone Financial ($1.1B against $361M).
On earnings, Waterstone Financial is cheaper: it trades at 11.7× trailing earnings, against 13.2× for Capitol Federal Financial.
Capitol Federal Financial grew revenue faster over the last twelve months (19.4% versus 12.4% for Waterstone Financial).
Capitol Federal Financial keeps more of each dollar of sales as profit, with a net margin of 36.1% compared with 20.0% at Waterstone Financial.
Both pay dividends: Capitol Federal Financial yields 4.0% and Waterstone Financial 3.3%.
Waterstone Financial scores higher on the StockData Score (16 against 13 for Capitol Federal Financial), 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 | CFFN | WSBF |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $361M |
| Share price | $8.56 | $20.08 |
| Change, 1 year | 37.2% | 30.4% |
| Change, 5 years | −28.4% | −6.6% |
| Beta (5Y) | 0.60 | 0.53 |
| Employees | 678 | 593 |
| StockData Score | ||
| Total score | 13 | 16 (better) |
| Valuation score | 2 | 5 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 3 | 3 |
| Health score | 2 | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.2× | 11.7× (better) |
| P/S | 4.7× | 2.4× (better) |
| P/B | 1.1× | 1.0× (better) |
| P/FCF | 15.0× | 8.4× (better) |
| PEG | – | 0.63 |
| FCF yield | 6.6% | 11.8% (better) |
| Fair value | $8.29 | $20.90 |
| Margin of safety | −3.2% | 3.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 19.4% (better) | 12.4% |
| Revenue growth, 5Y average | 1.9% (better) | −13.8% |
| Net income growth (TTM) | 35.2% | 45.4% (better) |
| EPS growth (TTM) | 38.3% | 50.9% (better) |
| EPS growth, 5Y average | 2.0% (better) | −14.8% |
| Profitability | ||
| Net margin | 36.1% (better) | 20.0% |
| FCF margin | 31.2% (better) | 28.5% |
| Return on equity | 8.0% | 8.7% (better) |
| Financial health | ||
| Altman Z-score | 0.09 | 0.37 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 4.0% (better) | 3.3% |
| Payout ratio | 58.6% | 35.9% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | −12.9% (better) | −15.1% |
| Buyback yield | 4.6% (better) | 4.0% |
| Shareholder yield | 8.6% (better) | 7.3% |
| Ownership | ||
| Held by institutions | 81.4% | 54.4% |
| Held by insiders | 7.7% | 4.8% |
| Insider net buying, 12 months | $0 (better) | −$2.4M |
| Short interest, % of float | 5.8% | 2.5% |
Go deeper
- CFFN stock overview
- CFFN income statement
- CFFN 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.