Waterstone Financial (NASDAQ:WSBF) vs. First Bancorp of Indiana (OTCMKTS:FBPI) Head to Head Contrast

First Bancorp of Indiana (OTCMKTS:FBPI – Get Free Report) and Waterstone Financial (NASDAQ:WSBF – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, dividends, valuation and analyst recommendations.

Institutional & Insider Ownership

62.7% of Waterstone Financial shares are owned by institutional investors. 20.0% of First Bancorp of Indiana shares are owned by company insiders. Comparatively, 6.0% of Waterstone Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

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Risk and Volatility

First Bancorp of Indiana has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Waterstone Financial has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500.

Valuation & Earnings

This table compares First Bancorp of Indiana and Waterstone Financial”s revenue, earnings per share (EPS) and valuation.

Waterstone Financial has higher revenue and earnings than First Bancorp of Indiana. Waterstone Financial is trading at a lower price-to-earnings ratio than First Bancorp of Indiana, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares First Bancorp of Indiana and Waterstone Financial’s net margins, return on equity and return on assets.

Dividends

First Bancorp of Indiana pays an annual dividend of $0.32 per share and has a dividend yield of 2.2%. Waterstone Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.5%. First Bancorp of Indiana pays out 152.4% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Waterstone Financial pays out 41.0% of its earnings in the form of a dividend. Waterstone Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Analyst Ratings

This is a breakdown of recent ratings for First Bancorp of Indiana and Waterstone Financial, as reported by MarketBeat.

Summary

Waterstone Financial beats First Bancorp of Indiana on 11 of the 13 factors compared between the two stocks.

About First Bancorp of Indiana

(Get Free Report)

First Bancorp of Indiana, Inc. operates as the bank holding company for First Federal Savings Bank, provides various banking products and services to individuals and business customers in the United States. The company accepts various deposits such as certificates of deposit, checking, health savings, individual retirement, money market, and savings accounts; loans include retail loan advisors, consumer loans, such as auto, motorcycle, boat, and recreational vehicle loans; mortgage and home equity loans; and current rates and secured deposits. It also accepts various business deposit accounts including commercial, business, small business, and community first checking accounts; lending services comprising relationship bankers; commercial real estate, equipment, owner occupied and investment real estate financing, as well as working capital line of credit, business loans, and small business administration. In addition, the company provides treasury management, online banking, merchant services, remote capture, and debit and credit card services. First Bancorp of Indiana, Inc. was founded in 1904 and is headquartered in Evansville, Indiana.

About Waterstone Financial

(Get Free Report)

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising 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 time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. The company was founded in 1921 and is based in Wauwatosa, Wisconsin.

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