First Northern Community Bancorp (FNRN) 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 Northern Community Bancorp (FNRN) has outperformed Waterstone Financial (WSBF) over the past year, gaining 44.7% versus a gain of 28.4%. Over five years, FNRN leads with a +110.2% price change compared with -3.8% for WSBF. Waterstone Financial is the larger company by market cap ($352.9 million vs $287.6 million), about 1.2 times the size.
On valuation, Waterstone Financial trades at a lower trailing P/E (11.3x vs 13.5x for First Northern Community Bancorp). Waterstone Financial pays a dividend yielding 3.26%, while First Northern Community Bancorp does not currently pay one.
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 | FNRN | WSBF |
|---|---|---|
| Share price | $17.54 | $19.63 |
| Market cap | $287.57M | $352.89M |
| 1-day change | -0.62% | -1.21% |
| YTD return | +37.85% | +18.61% |
| 1-year return | +44.67% | +28.38% |
| 5-year return | +110.20% | -3.82% |
| P/E ratio (TTM) | 13.49 | 11.35 |
| Forward P/E | — | 19.44 |
| EPS (TTM) | $1.30 | $1.73 |
| Dividend yield | 0.00% | 3.26% |
| Annual dividend | $0.00 | $0.64 |
| 52-week high | $19.25 | $21.66 |
| 52-week low | $12.00 | $14.52 |
| Distance from 52-week high | -8.88% | -9.37% |
| Average volume | 115.55K | 76.18K |
| Shares outstanding | 16.40M | 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
- FNRN has outperformed WSBF by 16.3 percentage points over the past year.
- Waterstone Financial offers a meaningfully higher dividend yield (3.26% vs 0.00%).
FNRN vs WSBF FAQ
Which is bigger, First Northern Community Bancorp or Waterstone Financial?
Waterstone Financial (WSBF) is larger, with a market capitalization of $352.89M compared with $287.57M for First Northern Community Bancorp (FNRN).
Which stock has performed better over the past year, FNRN or WSBF?
FNRN returned +44.67% 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, FNRN or WSBF?
WSBF has the lower trailing P/E at 11.3, versus 13.5 for FNRN. 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 Northern Community Bancorp or Waterstone Financial?
Waterstone Financial pays a dividend yielding 3.26%, while First Northern Community Bancorp does not currently pay a regular dividend.
Are First Northern Community Bancorp and Waterstone Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.