COMP <GO>
WSBF vs FMAO // REVENUE GROWTH (YOY)
Waterstone Financial Inc. (MD) (NASDAQ) VS. Farmers & Merchants Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: WSBF 2
— FMAO 5
■ METRIC PARITY
LAST: $19.83 (+0.30%) • MKT CAP: $356.5M
revenue-growth
—
LAST: $37.11 (+1.48%) • MKT CAP: $510.7M
revenue-growth
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WSBF VS. FMAO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WSBF | FMAO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | 9.00% | -1.40 | FMAO | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.46% | 6.85% | -0.39 | FMAO | /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 | 3.02% | 2.37% | +0.65 | WSBF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | FMAO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.7 | 57.7 | -17.96 | FMAO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.6x | 14.2x | -1.60 | WSBF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $356.5M | $510.7M | -$154.2M | FMAO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WSBF REV | FMAO REV | WSBF GROSS % | FMAO GROSS % | WSBF FCF | FMAO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $23.0M | $35.0M |
| FY 2024 | $0 | $0 | — | — | $47.0M | $30.6M |
| FY 2023 | $0 | $0 | — | — | -$27.6M | $22.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WSBF // BETA —
FMAO // BETA —