Peer Analysis

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Performance Ratios (%) WSBF Peer Median Peer Average
ROAA 1.77 0.88 0.74
ROAE 9.09 6.84 6.17
Net Interest Margin 2.79 3.37 3.41
Efficiency Ratio 74.88 73.38 75.15
Loans / Deposits 129.77 98.55 101.07
Asset Quality Ratios (%)
NPAs / Assets 0.51 1.34 1.30
NCOs / Avg Loans (0.01) 0.01 0.02
Reserves / Loans 0.79 0.93 1.01
Reserves / NPAs 125.71 41.04 90.56
Capital Ratios (%)
Tier 1 Capital 23.05 14.54 14.54
Tangible Equity / Tangible Assets 18.05 10.74 10.89
Total Equity / Total Assets 18.08 10.71 11.28
Market Ratios
Price / Earnings (x) 10.01 11.50 14.68
Price / Book (%) 96.95 80.03 82.61
Dividend Yield (%) 3.50 1.14 1.49
Data for trailing four quarters

Waterstone Financial, Inc.'s peer group consists of the following: Auburn Bancorp, Inc. (MHC) (ABBB), Charter Financial Corporation, Cullman Bancorp, Inc. (MHC) (CULL), Equitable Financial Corp. (EQFN), Greenville Federal Financial Corporation (MHC) (GVFF), LifeStore Financial Group, Inc. (MHC) (LSFG), Meridian Bancorp, Inc. (EBSB), Seneca-Cayuga Bancorp, Inc. (MHC) (SCAY), Sound Financial Bancorp, Inc. (SFBC)

Waterstone Financial, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Charter Financial Corporation's financial data is as of 6/30/2018.
Greenville Federal Financial Corporation (MHC)'s financial data is as of 12/31/2019.