COMP <GO>
WSBF vs BCBP // ALTMAN Z-SCORE & DEBT/EQUITY
Waterstone Financial Inc. (MD) (NASDAQ) VS. BCB Bancorp Inc. (NJ) (NASDAQ) • 15-METRIC TALLY: WSBF 3
— BCBP 3
■ METRIC PARITY
LAST: $19.55 (-1.41%) • MKT CAP: $351.5M
balance-sheet
—
LAST: $8.86 (+2.90%) • MKT CAP: $272.5M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WSBF VS. BCBP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WSBF | BCBP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | -4.10% | +11.70 | WSBF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.46% | 13.17% | -6.71 | BCBP | /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 | 3.02% | 4.01% | -0.99 | BCBP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 3/9 | +1.00 | WSBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.7 | 60.7 | -19.00 | BCBP | /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 | $351.5M | $272.5M | $79.0M | WSBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WSBF REV | BCBP REV | WSBF GROSS % | BCBP GROSS % | WSBF FCF | BCBP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $949.0M | $1.38B | — | — | $23.0M | $34.9M |
| FY 2024 | $928.0M | $1.51B | — | — | $47.0M | $66.5M |
| FY 2023 | $0 | $0 | — | — | -$27.6M | $35.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WSBF // BETA —
BCBP // BETA —