Financial review: Waterstone Financial (NASDAQ: WSBF) and TC Bancshares (NASDAQ: TCBC)


Waterstone Financial (NASDAQ:WSBF – Get Rating) and TC Bancshares (NASDAQ:TCBC – Get Rating) are both small cap financials, but which stock is superior? We’ll compare the two companies based on their risk strength, earnings, dividends, analyst recommendations, institutional ownership, valuation, and profitability.

Profitability

This table compares the net margins, return on equity and return on assets of Waterstone Financial and TC Bancshares.

Net margins Return on equity return on assets
Waterstone Financial 25.92% 16.30% 3.20%
TC Bench Stocks 16.08% 4.16% 0.69%

Institutional and insider ownership

67.5% of Waterstone Financial shares are held by institutional investors. By comparison, 13.7% of TC Bancshares shares are held by institutional investors. 11.9% of Waterstone Financial shares are held by insiders of the company. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a company is poised for long-term growth.

Analyst Notes

This is a breakdown of the current ratings and price targets for Waterstone Financial and TC Bancshares, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Waterstone Financial 0 0 0 0 N / A
TC Bench Stocks 0 0 0 0 N / A

Valuation and benefits

This table compares the revenue, earnings per share (EPS) and valuation of Waterstone Financial and TC Bancshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Waterstone Financial $273.08 million 1.51 $70.79 million $2.95 5.78
TC Bench Stocks $16.42 million 3.40 $2.64 million N / A N / A

Waterstone Financial has higher revenue and profit than TC Bancshares.

Summary

Waterstone Financial beats TC Bancshares on 7 of the 8 factors compared between the two stocks.

Waterstone Financial Company Profile (Get a rating)

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB which provides various financial services to customers in Southeast Wisconsin, USA. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers personal and corporate banking products and services, such as deposit and transaction solutions, including checking accounts, online banking and bill payment services, money transfer services , as well as credit, debit and prepaid cards; investable fund solutions including 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 term deposits; secure and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory and general business use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for sale in the secondary market. The Company also invests in a portfolio of securities including mortgage-backed securities, government-sponsored and private label corporate bonds, mortgage and municipal guaranteed bonds and other debt securities. It operates 14 full-service banking offices, 1 drive-thru office and 14 ATMs located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.

TC Bancshares Company Profile (Get a rating)

TC Bancshares, Inc. operates as a holding company of TC Federal Bank which provides various retail and corporate banking services in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The Company also offers lending products including single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans. , construction loans, land development loans. , and SBA/USDA guaranteed loans. It operates a branch in Thomasville, Georgia, and one in Tallahassee, Florida, as well as loan origination offices in Tallahassee, Florida and Savannah, Georgia. The company was founded in 1934 and is based in Thomasville, Georgia.



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