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Waterstone Financial (WSBF) Competitors

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$19.94 +0.43 (+2.20%)
Closing price 10/2/2026 04:00 PM Eastern
Extended Trading
$19.96 +0.02 (+0.10%)
As of 10/2/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

WSBF vs. CTBI, FCBC, FMBH, GABC, and GSBC

Should you buy Waterstone Financial stock or one of its competitors? Waterstone Financial's main competitors and comparable companies include Community Trust Bancorp (CTBI), First Community Bancshares (FCBC), First Mid Bancshares (FMBH), German American Bancorp (GABC), and Great Southern Bancorp (GSBC). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Waterstone Financial compare to Community Trust Bancorp?

Waterstone Financial (NASDAQ:WSBF) and Community Trust Bancorp (NASDAQ:CTBI) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, media sentiment, earnings, risk, institutional ownership and valuation.

Community Trust Bancorp has a consensus price target of $81.50, indicating a potential upside of 6.94%. Given Community Trust Bancorp's higher possible upside, analysts plainly believe Community Trust Bancorp is more favorable than Waterstone Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Waterstone Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Community Trust Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.75

Waterstone Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.4%. Community Trust Bancorp pays an annual dividend of $2.60 per share and has a dividend yield of 3.4%. Waterstone Financial pays out 39.5% of its earnings in the form of a dividend. Community Trust Bancorp pays out 43.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Community Trust Bancorp has raised its dividend for 44 consecutive years. Community Trust Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Community Trust Bancorp has higher revenue and earnings than Waterstone Financial. Waterstone Financial is trading at a lower price-to-earnings ratio than Community Trust Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Waterstone Financial$147.05M2.44$26.40M$1.7211.59
Community Trust Bancorp$409.34M3.38$98.06M$5.9712.77

Waterstone Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the broader market. Comparatively, Community Trust Bancorp has a beta of 0.54, meaning that its stock price is 46% less volatile than the broader market.

Community Trust Bancorp has a net margin of 25.55% compared to Waterstone Financial's net margin of 14.57%. Community Trust Bancorp's return on equity of 12.52% beat Waterstone Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Waterstone Financial14.57% 8.64% 1.33%
Community Trust Bancorp 25.55%12.52%1.60%

62.7% of Waterstone Financial shares are owned by institutional investors. Comparatively, 60.2% of Community Trust Bancorp shares are owned by institutional investors. 6.0% of Waterstone Financial shares are owned by insiders. Comparatively, 2.6% of Community Trust Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

In the previous week, Community Trust Bancorp had 4 more articles in the media than Waterstone Financial. MarketBeat recorded 4 mentions for Community Trust Bancorp and 0 mentions for Waterstone Financial. Community Trust Bancorp's average media sentiment score of 1.33 beat Waterstone Financial's score of 0.00 indicating that Community Trust Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Waterstone Financial Neutral
Community Trust Bancorp Positive

Summary

Community Trust Bancorp beats Waterstone Financial on 14 of the 19 factors compared between the two stocks.

How does Waterstone Financial compare to First Community Bancshares?

Waterstone Financial (NASDAQ:WSBF) and First Community Bancshares (NASDAQ:FCBC) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their media sentiment, earnings, risk, valuation, profitability, institutional ownership, dividends and analyst recommendations.

Waterstone Financial has a beta of 0.74, meaning that its share price is 26% less volatile than the broader market. Comparatively, First Community Bancshares has a beta of 0.49, meaning that its share price is 51% less volatile than the broader market.

In the previous week, First Community Bancshares had 1 more articles in the media than Waterstone Financial. MarketBeat recorded 1 mentions for First Community Bancshares and 0 mentions for Waterstone Financial. First Community Bancshares' average media sentiment score of 1.36 beat Waterstone Financial's score of 0.00 indicating that First Community Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
Waterstone Financial Neutral
First Community Bancshares Positive

62.7% of Waterstone Financial shares are owned by institutional investors. Comparatively, 35.0% of First Community Bancshares shares are owned by institutional investors. 6.0% of Waterstone Financial shares are owned by company insiders. Comparatively, 3.7% of First Community Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Waterstone Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
First Community Bancshares
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

Waterstone Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.4%. First Community Bancshares pays an annual dividend of $1.32 per share and has a dividend yield of 2.8%. Waterstone Financial pays out 39.5% of its earnings in the form of a dividend. First Community Bancshares pays out 41.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Community Bancshares has increased its dividend for 13 consecutive years. Waterstone Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

First Community Bancshares has higher revenue and earnings than Waterstone Financial. Waterstone Financial is trading at a lower price-to-earnings ratio than First Community Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Waterstone Financial$147.05M2.44$26.40M$1.7211.59
First Community Bancshares$185.42M4.90$48.79M$3.1715.14

First Community Bancshares has a net margin of 28.84% compared to Waterstone Financial's net margin of 14.57%. First Community Bancshares' return on equity of 10.67% beat Waterstone Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Waterstone Financial14.57% 8.64% 1.33%
First Community Bancshares 28.84%10.67%1.61%

Summary

First Community Bancshares beats Waterstone Financial on 11 of the 17 factors compared between the two stocks.

How does Waterstone Financial compare to First Mid Bancshares?

Waterstone Financial (NASDAQ:WSBF) and First Mid Bancshares (NASDAQ:FMBH) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, earnings, analyst recommendations, media sentiment, valuation, profitability, dividends and institutional ownership.

62.7% of Waterstone Financial shares are held by institutional investors. Comparatively, 47.6% of First Mid Bancshares shares are held by institutional investors. 6.0% of Waterstone Financial shares are held by insiders. Comparatively, 6.0% of First Mid Bancshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

First Mid Bancshares has a net margin of 19.76% compared to Waterstone Financial's net margin of 14.57%. First Mid Bancshares' return on equity of 10.86% beat Waterstone Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Waterstone Financial14.57% 8.64% 1.33%
First Mid Bancshares 19.76%10.86%1.29%

Waterstone Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.4%. First Mid Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.1%. Waterstone Financial pays out 39.5% of its earnings in the form of a dividend. First Mid Bancshares pays out 25.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Mid Bancshares has raised its dividend for 3 consecutive years.

First Mid Bancshares has a consensus target price of $54.63, indicating a potential upside of 9.29%. Given First Mid Bancshares' higher possible upside, analysts plainly believe First Mid Bancshares is more favorable than Waterstone Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Waterstone Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
First Mid Bancshares
0 Sell rating(s)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50

In the previous week, First Mid Bancshares had 2 more articles in the media than Waterstone Financial. MarketBeat recorded 2 mentions for First Mid Bancshares and 0 mentions for Waterstone Financial. First Mid Bancshares' average media sentiment score of 0.64 beat Waterstone Financial's score of 0.00 indicating that First Mid Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
Waterstone Financial Neutral
First Mid Bancshares Positive

Waterstone Financial has a beta of 0.74, indicating that its stock price is 26% less volatile than the broader market. Comparatively, First Mid Bancshares has a beta of 0.8, indicating that its stock price is 20% less volatile than the broader market.

First Mid Bancshares has higher revenue and earnings than Waterstone Financial. Waterstone Financial is trading at a lower price-to-earnings ratio than First Mid Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Waterstone Financial$147.05M2.44$26.40M$1.7211.59
First Mid Bancshares$466.04M2.85$91.75M$4.0312.40

Summary

First Mid Bancshares beats Waterstone Financial on 14 of the 18 factors compared between the two stocks.

How does Waterstone Financial compare to German American Bancorp?

Waterstone Financial (NASDAQ:WSBF) and German American Bancorp (NASDAQ:GABC) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, profitability, earnings, dividends, institutional ownership, media sentiment, analyst recommendations and risk.

In the previous week, German American Bancorp had 2 more articles in the media than Waterstone Financial. MarketBeat recorded 2 mentions for German American Bancorp and 0 mentions for Waterstone Financial. German American Bancorp's average media sentiment score of 0.90 beat Waterstone Financial's score of 0.00 indicating that German American Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Waterstone Financial Neutral
German American Bancorp Positive

Waterstone Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.4%. German American Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 2.5%. Waterstone Financial pays out 39.5% of its earnings in the form of a dividend. German American Bancorp pays out 32.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. German American Bancorp has raised its dividend for 13 consecutive years.

Waterstone Financial has a beta of 0.74, indicating that its stock price is 26% less volatile than the broader market. Comparatively, German American Bancorp has a beta of 0.61, indicating that its stock price is 39% less volatile than the broader market.

German American Bancorp has higher revenue and earnings than Waterstone Financial. Waterstone Financial is trading at a lower price-to-earnings ratio than German American Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Waterstone Financial$147.05M2.44$26.40M$1.7211.59
German American Bancorp$487.40M3.81$112.64M$3.7913.03

German American Bancorp has a consensus price target of $53.33, suggesting a potential upside of 7.96%. Given German American Bancorp's higher possible upside, analysts plainly believe German American Bancorp is more favorable than Waterstone Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Waterstone Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
German American Bancorp
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.80

German American Bancorp has a net margin of 28.25% compared to Waterstone Financial's net margin of 14.57%. German American Bancorp's return on equity of 12.14% beat Waterstone Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Waterstone Financial14.57% 8.64% 1.33%
German American Bancorp 28.25%12.14%1.69%

62.7% of Waterstone Financial shares are owned by institutional investors. Comparatively, 46.9% of German American Bancorp shares are owned by institutional investors. 6.0% of Waterstone Financial shares are owned by insiders. Comparatively, 3.2% of German American Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

German American Bancorp beats Waterstone Financial on 15 of the 20 factors compared between the two stocks.

How does Waterstone Financial compare to Great Southern Bancorp?

Great Southern Bancorp (NASDAQ:GSBC) and Waterstone Financial (NASDAQ:WSBF) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, earnings, institutional ownership, dividends, valuation, media sentiment, analyst recommendations and risk.

Great Southern Bancorp has a net margin of 20.72% compared to Waterstone Financial's net margin of 14.57%. Great Southern Bancorp's return on equity of 10.83% beat Waterstone Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Great Southern Bancorp20.72% 10.83% 1.22%
Waterstone Financial 14.57%8.64%1.33%

Great Southern Bancorp presently has a consensus price target of $74.00, suggesting a potential downside of 6.65%. Given Great Southern Bancorp's higher probable upside, equities analysts plainly believe Great Southern Bancorp is more favorable than Waterstone Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Great Southern Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
Waterstone Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Great Southern Bancorp had 2 more articles in the media than Waterstone Financial. MarketBeat recorded 2 mentions for Great Southern Bancorp and 0 mentions for Waterstone Financial. Great Southern Bancorp's average media sentiment score of 1.77 beat Waterstone Financial's score of 0.00 indicating that Great Southern Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Great Southern Bancorp Very Positive
Waterstone Financial Neutral

Great Southern Bancorp has a beta of 0.5, indicating that its stock price is 50% less volatile than the broader market. Comparatively, Waterstone Financial has a beta of 0.74, indicating that its stock price is 26% less volatile than the broader market.

41.7% of Great Southern Bancorp shares are owned by institutional investors. Comparatively, 62.7% of Waterstone Financial shares are owned by institutional investors. 29.8% of Great Southern Bancorp shares are owned by company insiders. Comparatively, 6.0% of Waterstone Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Great Southern Bancorp has higher revenue and earnings than Waterstone Financial. Waterstone Financial is trading at a lower price-to-earnings ratio than Great Southern Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Great Southern Bancorp$342.78M2.52$70.97M$6.0213.17
Waterstone Financial$147.05M2.44$26.40M$1.7211.59

Great Southern Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 2.2%. Waterstone Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.4%. Great Southern Bancorp pays out 28.6% of its earnings in the form of a dividend. Waterstone Financial pays out 39.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Great Southern Bancorp beats Waterstone Financial on 12 of the 17 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding WSBF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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WSBF vs. The Competition

MetricWaterstone FinancialBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$358.46M$21.61B$13.12B$13.28B
Dividend Yield3.49%3.13%6.04%17.33%
P/E Ratio11.5925.4024.4226.04
Price / Sales2.449.03500.08105.13
Price / Cash12.7114.8645.5152.62
Price / Book1.051.342.706.31
Net Income$26.40M$2.58B$1.32B$362.16M
7 Day Performance-2.21%-1.00%-1.04%-1.66%
1 Month Performance-7.30%-2.84%-3.20%-4.68%
1 Year Performance30.67%20.99%10.47%1.57%

Waterstone Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
WSBF
Waterstone Financial
1.7034 of 5 stars
$19.94
+2.2%
N/A+30.7%$358.46M$147.05M11.59593
CTBI
Community Trust Bancorp
3.9945 of 5 stars
$74.54
+0.0%
$81.50
+9.3%
+38.0%$1.35B$409.34M12.48930
FCBC
First Community Bancshares
2.5769 of 5 stars
$46.99
-0.6%
N/A+40.6%$888.49M$185.42M14.82614
FMBH
First Mid Bancshares
3.8605 of 5 stars
$48.68
-0.4%
$54.63
+12.2%
+33.4%$1.30B$466.04M12.081,170
GABC
German American Bancorp
4.0896 of 5 stars
$48.39
-0.9%
$53.33
+10.2%
+26.2%$1.82B$386.18M12.77984

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This page (NASDAQ:WSBF) was last updated on 10/4/2026 by MarketBeat.com Staff.
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