COMP <GO>
FNRN vs WSBF // EV/EBITDA & P/E VALUATION
First Northern Community Bancorp (NASDAQ) VS. Waterstone Financial Inc. (MD) (NASDAQ) • 15-METRIC TALLY: FNRN 2
— WSBF 4
■ METRIC PARITY
LAST: $16.98 (+1.19%) • MKT CAP: $278.4M
valuation
—
LAST: $19.83 (+0.30%) • MKT CAP: $356.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNRN VS. WSBF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNRN | WSBF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.00% | 7.60% | -7.60 | WSBF | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 1.87% | 6.46% | -4.59 | WSBF | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.70% | 3.02% | -0.32 | WSBF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | FNRN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 39.7 | +14.56 | FNRN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 12.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $278.4M | $356.5M | -$78.1M | WSBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNRN REV | WSBF REV | FNRN GROSS % | WSBF GROSS % | FNRN FCF | WSBF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $5.2M | $23.0M |
| FY 2024 | $0 | $0 | — | — | $19.2M | $47.0M |
| FY 2023 | $0 | $0 | — | — | $27.3M | -$27.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNRN // BETA —
WSBF // BETA —