FNRN vs WSBF: stock comparison and AI forecast
First Northern Community Bancorp (FNRN) and Waterstone Financial, Inc. (WSBF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FNRN First Northern Community Bancorp
- Price
- $17.89 +1.0% · 6M
- Market Cap
- $293M
- P/E Ratio
- 14.8x
- Size
- small-cap
- AI Forecast
WSBF Waterstone Financial, Inc.
- Price
- $20.06 +8.1% · 6M
- Market Cap
- $361M
- P/E Ratio
- 13.0x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- WSBF is 1.2 times larger than FNRN by market capitalization ($361M against $293M).
- WSBF trades at 13.0 times trailing earnings, FNRN at 14.8 times.
- Over the last six months WSBF returned +8.1% and FNRN +1.0%.
- FNRN turns 30.0% of its revenue into net income, against 20.0% for WSBF.
- FNRN carries 7.87 times debt per unit of equity, against 5.42 times for WSBF.
- WSBF yields 3.00% in dividends; FNRN pays none.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FNRN | WSBF |
|---|---|---|
| Market Cap | $293M | $361M |
| P/E Ratio | 14.78x | 13.02x |
| P/B Ratio | 1.35x | 1.03x |
| Dividend Yield | – | 3.00% |
| EPS | $1.21 | $1.54 |
| Book Value/Share | $13.24 | $19.53 |
| Revenue/Share | $4.60 | $8.37 |
| FCF/Share | $0.39 | $2.38 |
Profitability & Margins
| Metric | FNRN | WSBF |
|---|---|---|
| ROE | 10.4% | 8.6% |
| ROA | 1.2% | 1.3% |
| Net Margin | 30.0% | 20.0% |
| EBT Margin | 38.1% | 25.3% |
| Tax Rate | 21.1% | 21.0% |
Financial Health
| Metric | FNRN | WSBF |
|---|---|---|
| D/E Ratio | 7.87x | 5.42x |
| Financial Leverage | 8.87x | 6.42x |
Cash Flow
| Metric | FNRN | WSBF |
|---|---|---|
| Operating Cash Flow | $9M | $45M |
| Free Cash Flow | $6M | $43M |
| Capital Spending | -$2M | -$2M |
| OCF Growth YoY | -57.4% | -47.9% |
| FCF Growth YoY | -67.8% | -49.6% |
| FCF/Sales | 8.4% | 28.4% |
| CapEx/Sales | 3.1% | 1.3% |
Operational Efficiency
| Metric | FNRN | WSBF |
|---|---|---|
| Asset Turnover | 0.04x | 0.07x |
| Fixed Assets Turnover | 8.1x | 8.0x |
Income Statement
| Metric | FNRN | WSBF |
|---|---|---|
| Total Revenue | $75M | $150M |
| Net Income | $23M | $30M |
Dividend & Shareholder Information
| Metric | FNRN | WSBF |
|---|---|---|
| Dividends Per Share | – | $0.60 |
| Payout Ratio | – | 39.0% |
| Shares Outstanding | 16M | 18M |
| Net Income Growth | 10.5% | 45.4% |
| EPS Growth | -6.9% | 36.3% |
FNRN vs WSBF: stock comparison and AI forecast
Which is bigger, FNRN or WSBF?
WSBF is 1.2 times larger than FNRN by market capitalization ($361M against $293M).
Which is cheaper on earnings, FNRN or WSBF?
WSBF trades at 13.0 times trailing earnings, FNRN at 14.8 times.
Which stock performed better over the last six months, FNRN or WSBF?
Over the last six months WSBF returned +8.1% and FNRN +1.0%.
Which one does Intratio's AI model rank higher, FNRN or WSBF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.