Norwood Financial Corp. (NWFL) vs Waterstone Financial, Inc. (WSBF)
A side-by-side comparison of Norwood Financial Corp. and Waterstone Financial, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — NWFL vs WSBF
growth of $100 · dividends reinvested · last 10yNWFL vs WSBF: by the numbers
- •NWFL is the larger company ($371M vs $359M market cap).
- •NWFL trades at the lower trailing earnings multiple (10.85 vs 11.55 P/E), one valuation lens rather than an overall verdict.
- •NWFL converts more revenue to profit (19.97% vs 18.58% net margin).
- •NWFL grew revenue faster over the past five years (12.98% vs -12.94% CAGR).
- •NWFL pays the higher dividend yield (3.74% vs 3.20%).
Metrics side by side
Valuation
| Metric | NWFL | WSBF |
|---|---|---|
| P/E ratio | 10.85 | 11.55 |
| Forward P/E | 9.80 | N/A |
| PEG ratio | 1.41 | N/A |
| P/S ratio | 2.57 | 2.21 |
| P/B ratio | 1.28 | 1.02 |
Profitability
| Metric | NWFL | WSBF |
|---|---|---|
| Operating margin | 25.49% | 12.28% |
| Net margin | 19.97% | 18.58% |
| ROE | 9.96% | 8.57% |
Norwood Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Waterstone Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | NWFL | WSBF |
|---|---|---|
| Dividend yield | 3.74% | 3.20% |
| Payout ratio | 40.45% | 37.21% |
Growth (annualized)
| Metric | NWFL | WSBF |
|---|---|---|
| Revenue CAGR (5Y) | 12.98% | -12.94% |
| EPS CAGR (5Y) | 7.71% | -14.92% |
| Total return CAGR (5Y) | 10.27% | 4.33% |
Frequently asked
- Which has the lower trailing P/E, NWFL or WSBF?
- NWFL has the lower trailing P/E: NWFL trades at 10.85 and WSBF at 11.55. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, NWFL or WSBF?
- Over the past five years, NWFL grew revenue faster — NWFL at a 12.98% CAGR versus WSBF at -12.94%.
- Does NWFL or WSBF pay a bigger dividend?
- NWFL yields 3.74% and WSBF yields 3.20% based on trailing dividends and the latest price.
- Is NWFL or WSBF more profitable?
- NWFL runs the higher net margin — NWFL at 19.97% versus WSBF at 18.58%.
- How have NWFL and WSBF total returns compared?
- Over the past 10 years, NWFL delivered 9.63% and WSBF delivered 7.34% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Norwood Financial & Waterstone Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.