First Capital (FCAP) vs Waterstone Financial (WSBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
First Capital (FCAP) has outperformed Waterstone Financial (WSBF) over the past year, gaining 40.6% versus a gain of 28.4%. Over five years, FCAP leads with a +56.7% price change compared with -3.8% for WSBF. Waterstone Financial is the larger company by market cap ($352.9 million vs $215.1 million), about 1.6 times the size.
On valuation, Waterstone Financial trades at a lower trailing P/E (11.3x vs 11.7x for First Capital). Waterstone Financial offers the higher dividend yield (3.26% vs 1.93%).
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 | FCAP | WSBF |
|---|---|---|
| Share price | $64.32 | $19.63 |
| Market cap | $215.13M | $352.89M |
| 1-day change | -0.42% | -1.21% |
| YTD return | +8.65% | +18.61% |
| 1-year return | +40.59% | +28.38% |
| 5-year return | +56.69% | -3.82% |
| P/E ratio (TTM) | 11.65 | 11.35 |
| Forward P/E | — | 19.44 |
| EPS (TTM) | $5.52 | $1.73 |
| Dividend yield | 1.93% | 3.26% |
| Annual dividend | $1.24 | $0.64 |
| 52-week high | $71.00 | $21.66 |
| 52-week low | $37.64 | $14.52 |
| Distance from 52-week high | -9.41% | -9.37% |
| Average volume | 17.91K | 76.18K |
| Shares outstanding | 3.34M | 17.98M |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
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
- FCAP has outperformed WSBF by 12.2 percentage points over the past year.
- Waterstone Financial offers a meaningfully higher dividend yield (3.26% vs 1.93%).
FCAP vs WSBF FAQ
Which is bigger, First Capital or Waterstone Financial?
Waterstone Financial (WSBF) is larger, with a market capitalization of $352.89M compared with $215.13M for First Capital (FCAP).
Which stock has performed better over the past year, FCAP or WSBF?
FCAP returned +40.59% 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, FCAP or WSBF?
WSBF has the lower trailing P/E at 11.3, versus 11.7 for FCAP. 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, First Capital or Waterstone Financial?
Waterstone Financial has the higher yield at 3.26%, compared with 1.93% for First Capital.
Are First Capital and Waterstone Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.