Home Bancorp vs Waterstone Financial
Home Bancorp and Waterstone Financial are similar in size: $149m and $142m of revenue in their latest fiscal years. Home Bancorp grew faster (10.3% against 4.8%). Home Bancorp kept more of each dollar of sales as profit: a net margin of 31.0% against 18.6%.
| Latest fiscal year | Home BancorpHBCP, 2025 | Waterstone FinancialWSBF, 2025 |
|---|---|---|
| Revenue | $149m | $142m |
| Revenue growth | 10.3% | 4.8% |
| Net income | $46.1m | $26.4m |
| Operating margin | — | — |
| Net margin | 31.0% | 18.6% |
| Return on equity | 11.1% | 7.7% |
| Free cash flow | $44.3m | $23.0m |
| Cash | $142m | — |
| Total debt | $0 | $412m |
| Debt to equity | — | — |
| Dividend per share | $1.14 | $0.60 |
| Dividend yield | 2.0% | 3.0% |
| Share buybacks | $14.4m | $16.2m |
| Employees | 486 | 593 |
| Market value | $483m | $359m |
| Price vs our value range | — | — |
| Moat score | 83 (Strong) | 81 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 12 sales |