Eastern Bankshares vs Waterstone Financial
EBC 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 EBC and WSBF compare
Eastern Bankshares is the larger company, worth 15 times as much as Waterstone Financial ($5.3B against $361M).
On earnings, Waterstone Financial is cheaper: it trades at 11.7× trailing earnings, against 13.3× for Eastern Bankshares.
Eastern Bankshares grew revenue faster over the last twelve months (17.0% versus 12.4% for Waterstone Financial).
Eastern Bankshares keeps more of each dollar of sales as profit, with a net margin of 251% compared with 20.0% at Waterstone Financial.
Both pay dividends: Eastern Bankshares yields 2.4% and Waterstone Financial 3.3%.
Eastern Bankshares scores higher on the StockData Score (17 against 16 for Waterstone 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 | EBC | WSBF |
|---|---|---|
| Size and price | ||
| Market cap | $5.3B | $361M |
| Share price | $22.98 | $20.08 |
| Change, 1 year | 32.1% | 30.4% |
| Change, 5 years | 8.3% | −6.6% |
| Beta (5Y) | 0.72 | 0.53 |
| Employees | 2,450 | 593 |
| StockData Score | ||
| Total score | 17 (better) | 16 |
| Valuation score | 2 | 5 (better) |
| Growth score | 3 | 3 |
| Performance score | 5 (better) | 3 |
| Health score | 4 (better) | 2 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 13.3× | 11.7× (better) |
| P/S | 34.6× | 2.4× (better) |
| P/B | 1.3× | 1.0× (better) |
| P/FCF | – | 8.4× |
| PEG | – | 0.63 |
| FCF yield | – | 11.8% |
| Fair value | $22.18 | $20.90 |
| Margin of safety | −3.6% | 3.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 17.0% (better) | 12.4% |
| Revenue growth, 5Y average | −2.8% (better) | −13.8% |
| Net income growth (TTM) | 670% (better) | 45.4% |
| EPS growth (TTM) | 592% (better) | 50.9% |
| EPS growth, 5Y average | 27.0% (better) | −14.8% |
| Profitability | ||
| Net margin | 251% (better) | 20.0% |
| FCF margin | – | 28.5% |
| Return on equity | 9.5% (better) | 8.7% |
| Financial health | ||
| Altman Z-score | 0.22 | 0.37 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.4% | 3.3% (better) |
| Payout ratio | 32.5% | 35.9% |
| Years of dividend growth | 4 (better) | 0 |
| Dividend growth, 5Y average | – | −15.1% |
| Buyback yield | 4.9% (better) | 4.0% |
| Shareholder yield | 7.4% (better) | 7.3% |
| Ownership | ||
| Held by institutions | 84.6% | 54.4% |
| Held by insiders | 1.1% | 4.8% |
| Insider net buying, 12 months | −$3.8M | −$2.4M (better) |
| Short interest, % of float | 8.4% | 2.5% |
Go deeper
- EBC stock overview
- EBC income statement
- EBC 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.