First Bancorp (ME) (FNLC) 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
First Bancorp (ME) (FNLC) has outperformed Waterstone Financial (WSBF) over the past year, gaining 33.0% versus a gain of 28.4%. Over five years, FNLC leads with a +12.8% price change compared with -3.8% for WSBF. First Bancorp (ME) is the larger company by market cap ($371.0 million vs $347.3 million), about 1.1 times the size.
On valuation, First Bancorp (ME) trades at a lower trailing P/E (9.8x vs 11.2x for Waterstone Financial). First Bancorp (ME) offers the higher dividend yield (4.53% vs 3.31%).
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 | FNLC | WSBF |
|---|---|---|
| Share price | $32.88 | $19.32 |
| Market cap | $370.96M | $347.32M |
| 1-day change | -1.29% | -0.72% |
| YTD return | +25.98% | +18.61% |
| 1-year return | +33.03% | +28.38% |
| 5-year return | +12.76% | -3.82% |
| P/E ratio (TTM) | 9.76 | 11.17 |
| Forward P/E | — | 19.13 |
| EPS (TTM) | $3.37 | $1.73 |
| Dividend yield | 4.53% | 3.31% |
| Annual dividend | $1.49 | $0.64 |
| 52-week high | $36.30 | $21.66 |
| 52-week low | $24.08 | $14.52 |
| Distance from 52-week high | -9.42% | -10.80% |
| Average volume | 33.63K | 75.87K |
| Shares outstanding | 11.28M | 17.98M |
| Employees | 278 | 593 |
| Sector | Finance | Finance |
| Industry | Major Banks | 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
- First Bancorp (ME) offers a meaningfully higher dividend yield (4.53% vs 3.31%).
About First Bancorp (ME)
FNLC stock →The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers.
Finance · Major Banks · 278 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.
Finance · Savings Institutions · 593 employees
FNLC vs WSBF FAQ
Which is bigger, First Bancorp (ME) or Waterstone Financial?
First Bancorp (ME) (FNLC) is larger, with a market capitalization of $370.96M compared with $347.32M for Waterstone Financial (WSBF).
Which stock has performed better over the past year, FNLC or WSBF?
FNLC returned +33.03% 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, FNLC or WSBF?
FNLC has the lower trailing P/E at 9.8, versus 11.2 for WSBF. 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 Bancorp (ME) or Waterstone Financial?
First Bancorp (ME) has the higher yield at 4.53%, compared with 3.31% for Waterstone Financial.
Are First Bancorp (ME) and Waterstone Financial in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for First Bancorp (ME) and Savings Institutions for Waterstone Financial.