Capitol Federal Financial (CFFN) vs Waterstone Financial (WSBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Capitol Federal Financial (CFFN) has outperformed Waterstone Financial (WSBF) over the past year, gaining 32.2% versus a gain of 28.4%. Over five years, WSBF leads with a -3.8% price change compared with -28.9% for CFFN. Capitol Federal Financial is the larger company by market cap ($1.04 billion vs $352.9 million), about 2.9 times the size.
On valuation, Capitol Federal Financial trades at a lower forward P/E (10.9x vs 19.4x for Waterstone Financial). Capitol Federal Financial offers the higher dividend yield (4.04% vs 3.26%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFFN | WSBF |
|---|---|---|
| Share price | $8.42 | $19.63 |
| Market cap | $1.04B | $352.89M |
| 1-day change | -1.17% | -1.21% |
| YTD return | +23.64% | +18.61% |
| 1-year return | +32.18% | +28.38% |
| 5-year return | -28.95% | -3.82% |
| P/E ratio (TTM) | 12.95 | 11.35 |
| Forward P/E | 10.86 | 19.44 |
| EPS (TTM) | $0.65 | $1.73 |
| Dividend yield | 4.04% | 3.26% |
| Annual dividend | $0.34 | $0.64 |
| 52-week high | $9.26 | $21.66 |
| 52-week low | $5.97 | $14.52 |
| Distance from 52-week high | -9.07% | -9.37% |
| Analyst consensus | none | — |
| Avg. price target upside | +12.83% | — |
| Average volume | 889.15K | 76.18K |
| Shares outstanding | 123.37M | 17.98M |
| Employees | 604 | 593 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Capitol Federal Financial is about 2.9 times larger than Waterstone Financial by market value ($1.04B vs $352.89M).
About Capitol Federal Financial
CFFN stock →Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States.
Financial Services · Banks - Regional · 604 employees
About Waterstone Financial
WSBF stock →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.
Financial Services · Banks - Regional · 593 employees
CFFN vs WSBF FAQ
Which is bigger, Capitol Federal Financial or Waterstone Financial?
Capitol Federal Financial (CFFN) is larger, with a market capitalization of $1.04B compared with $352.89M for Waterstone Financial (WSBF).
Which stock has performed better over the past year, CFFN or WSBF?
CFFN returned +32.18% over the past 12 months, compared with +28.38% for WSBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFFN or WSBF?
WSBF has the lower trailing P/E at 11.3, versus 13.0 for CFFN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Capitol Federal Financial or Waterstone Financial?
Capitol Federal Financial has the higher yield at 4.04%, compared with 3.26% for Waterstone Financial.
Are Capitol Federal Financial and Waterstone Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.