Reviewing FFBW (NASDAQ:FFBW) & Waterstone Financial (NASDAQ:WSBF)

Earnings and Valuation

This table compares Waterstone Financial and FFBW”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Waterstone Financial	$202.47 million	1.41	$18.69 million	$1.01	14.55
FFBW	$16.54 million	4.16	$1.51 million	N/A	N/A

Waterstone Financial has higher revenue and earnings than FFBW.

Profitability

This table compares Waterstone Financial and FFBW’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Waterstone Financial	9.23%	5.75%	0.86%
FFBW	N/A	N/A	N/A

Volatility and Risk

Waterstone Financial has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500. Comparatively, FFBW has a beta of 0.33, indicating that its share price is 67% less volatile than the S&P 500.

Institutional and Insider Ownership

62.7% of Waterstone Financial shares are held by institutional investors. 8.3% of Waterstone Financial shares are held by company insiders. Comparatively, 4.8% of FFBW shares are held 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.

Summary

Waterstone Financial beats FFBW on 8 of the 9 factors compared between the two stocks.

About Waterstone Financial

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. The company was founded in 1921 and is based in Wauwatosa, Wisconsin.

About FFBW

FFBW, Inc. operates as the holding company for First Federal Bank of Wisconsin that provides banking products and services in the United States. It offers deposit accounts, including noninterest-bearing and interest-bearing checking accounts, money market accounts, statement savings, and health savings, as well as certificates of deposit. The company also provides various loans, which include one- to four family owner-occupied and investor-owned residential real estate, multifamily residential real estate, commercial real estate, commercial and industrial, and commercial development loans, as well as consumer loans, such as home equity lines of credit, new and used automobile loans, boat loans, recreational vehicle loans, and loans secured by certificates of deposit. FFBW, Inc. was founded in 1922 and is based in Brookfield, Wisconsin.