Financial Report: Waterstone Financial (NASDAQ:WSBF) and TC Bancshares (NASDAQ:TCBC)
Waterstone Financial (NASDAQ:WSBF – received rating) and TC Bancshares (NASDAQ:TCBC – received rating) are both small-cap financial companies, but which is the better stock? We’ll compare the two companies based on the strength of their risk, 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 investment | |
| Waterstone Financial | 25.92% | 16.30% | 3.20% |
| TC bank stocks | 16.08% | 4.16% | 0.69% |
Institutional and Insider Ownership
67.5% of Waterstone Financial’s shares are owned by institutional investors. In comparison, 13.7% of TC Bancshares shares are owned by institutional investors. 11.9% of Waterstone Financial’s shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large asset managers, and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a breakdown of the current ratings and price targets for Waterstone Financial and TC Bancshares as provided by MarketBeat.com.
| sell reviews | keep ratings | Buy reviews | Strong buy recommendations | rating score | |
| Waterstone Financial | 0 | 0 | 0 | 0 | N / A |
| TC bank stocks | 0 | 0 | 0 | 0 | N / A |
Rating & Result
This table compares the revenue, earnings per share (EPS) and valuation of Waterstone Financial and TC Bancshares.
| gross receipts | price/sales ratio | net income | earnings per share | price-earnings ratio | |
| Waterstone Financial | $273.08 million | 1.51 | $70.79 million | $2.95 | 5.78 |
| TC bank stocks | $16.42 million | 3.40 | $2.64 million | N / A | N / A |
Waterstone Financial has higher revenues and profits than TC Bancshares.
summary
Waterstone Financial beats TC Bancshares on 7 of the 8 factors comparing the two stocks.
Waterstone Financial Corporate Profile (received rating)
Waterstone Financial, Inc. acts as the bank holding company for WaterStone Bank SSB, which provides a variety of financial services to clients in southeastern Wisconsin, USA. It operates through two segments, Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services, such as deposit and transaction solutions including checking accounts, online banking and bill payment services, money transfer services, and credit, debit and prepaid cards; Investment-grade fund solutions consisting of savings deposits, 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 lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also offers transaction deposits, interest-bearing transaction accounts, demand deposits, interest-free demand deposits, and time deposits; secured and unsecured lines; construction loans for commercial real estate; 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 on the secondary market. The Company also invests in a portfolio of securities, including mortgage-backed securities, government sponsored and private corporate bonds, secured mortgage and municipal bonds, and other debt securities. It operates 14 full-service bank branches, 1 drive-through office and 14 ATMs 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 Bancshare’s Company Profile (received rating)
TC Bancshares, Inc. functions as the holding company of TC Federal Bank, which provides a variety of banking services to consumers and businesses throughout 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 that include single-family home loans, home equity lines of credit, closed home equity loans, consumer loans, commercial and multi-family home loans, commercial and industrial loans, construction loans, land development loans, and SBA/USDA guaranteed loans. It operates offices in Thomasville, Georgia and one in Tallahassee, Florida, and credit manufacturing offices in Tallahassee, Florida and Savannah, Georgia. The company was founded in 1934 and is based in Thomasville, Georgia.
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