COMP <GO>
WNEB vs WSBF // REVENUE GROWTH (YOY)
Western New England Bancorp Inc. (NASDAQ) VS. Waterstone Financial Inc. (MD) (NASDAQ) • 15-METRIC TALLY: WNEB 2
— WSBF 5
■ METRIC PARITY
LAST: $14.08 (+2.40%) • MKT CAP: $282.2M
revenue-growth
—
LAST: $19.83 (+0.30%) • MKT CAP: $356.5M
revenue-growth
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WNEB VS. WSBF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WNEB | WSBF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.20% | 7.60% | -1.40 | WSBF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.07% | 6.46% | -0.39 | WSBF | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.02% | 3.02% | -1.00 | WSBF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | WNEB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.6 | 47.4 | +11.20 | WNEB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.2x | 12.6x | +4.60 | WSBF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $282.2M | $356.5M | -$74.2M | WSBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WNEB REV | WSBF REV | WNEB GROSS % | WSBF GROSS % | WNEB FCF | WSBF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $17.1M | $23.0M |
| FY 2024 | $0 | $0 | — | — | $11.0M | $47.0M |
| FY 2023 | $0 | $0 | — | — | $14.8M | -$27.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WNEB // BETA —
WSBF // BETA —