Waterstone Financial (NASDAQ: WSBF – Get a rating) and Axos Financial (NASDAQ:AX – Get a rating) are both finance companies, but which company is better? We will compare the two companies based on the strength of their profitability, earnings, risk, dividends, analyst recommendations, institutional ownership and valuation.
Institutional and Insider Ownership
67.5% of Waterstone Financial shares are held by institutional investors. By comparison, 76.2% of Axos Financial shares are held by institutional investors. 6.7% of Waterstone Financial shares are held by insiders of the company. By comparison, 4.7% of Axos Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large fund managers, and hedge funds believe a company will outperform the market over the long term.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Waterstone Financial and Axos Financial.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| Waterstone Financial | $273.08 million | 1.44 | $70.79 million | $2.29 | 7.09 |
| Axos Financial | $723.12 million | 2.94 | $215.71 million | $3.91 | 9.11 |
Axos Financial has higher revenue and profit than Waterstone Financial. Waterstone Financial trades at a lower price-to-earnings ratio than Axos Financial, indicating that it is currently the more affordable of the two stocks.
Volatility and risk
Waterstone Financial has a beta of 0.43, suggesting its stock price is 57% less volatile than the S&P 500. In comparison, Axos Financial has a beta of 1.45, suggesting its stock price is 45% more volatile than the S&P 500.
Profitability
This table compares the net margins, return on equity and return on assets of Waterstone Financial and Axos Financial.
| Net margins | Return on equity | return on assets | |
| Waterstone Financial | 22.46% | 12.73% | 2.53% |
| Axos Financial | 32.23% | 16.41% | 1.61% |
Analyst Recommendations
This is a summary of recent ratings and recommendations for Waterstone Financial and Axos Financial, as provided by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Waterstone Financial | 0 | 0 | 0 | 0 | N / A |
| Axos Financial | 0 | 0 | 0 | 0 | N / A |
Summary
Axos Financial beats Waterstone Financial on 9 out of 11 factors compared between the two stocks.
About Waterstone Financial (Get a rating)
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB which provides various financial services to customers in Southeast Wisconsin, USA. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers personal and corporate banking products and services, such as deposit and transaction solutions, including checking accounts, online banking and bill payment services, money transfer services , as well as credit, debit and prepaid cards; investable fund solutions including savings, 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 business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest-bearing transaction accounts, demand deposits, non-interest bearing demand accounts and term deposits; secure and unsecured lines; commercial real estate construction loans; 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 in the secondary market. The Company also invests in a portfolio of securities including mortgage-backed securities, government-sponsored and private label corporate bonds, mortgage and municipal guaranteed bonds and other debt securities. It operates 14 full-service banking offices, 1 drive-thru office and 14 ATMs located 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.
About Axos Financial (Get a rating)
Axos Financial, Inc., together with its subsidiaries, provides retail and corporate banking products in the United States. It operates through Banking Business and Securities Business segments. The Company offers deposit products, including personal and business checking accounts, current accounts, savings accounts, term deposits, money market, zero balances and cash transfer accounts. insured. It also offers single-family, multi-family and commercial mortgages; secured commercial real estate loans; commercial and industrial non-real estate, asset-backed, lines of credit and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. Additionally, the company offers ACH issuance, wire transfer, business check printing, business bill payment, and account transfer; remote deposit entry, mobile deposit, safe, merchant and online payment portal; concierge banking services; mobile banking and SMS; and payment services, as well as debit and credit cards and digital wallets. Additionally, it provides disclosed clearing services; back office services, such as record keeping, business reporting, accounting, general back office support, securities and margin lending, reorganization assistance and securities custody; and financing to brokerage clients. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
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