HomeTrust Bancshares (HTB) 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
Waterstone Financial (WSBF) has outperformed HomeTrust Bancshares (HTB) over the past year, gaining 28.4% versus a gain of 14.3%. Over five years, HTB leads with a +58.4% price change compared with -3.8% for WSBF. HomeTrust Bancshares is the larger company by market cap ($724.3 million vs $352.9 million), about 2.1 times the size.
On valuation, HomeTrust Bancshares trades at a lower forward P/E (10.5x vs 19.4x for Waterstone Financial). Waterstone Financial offers the higher dividend yield (3.26% vs 1.15%).
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 | HTB | WSBF |
|---|---|---|
| Share price | $46.13 | $19.63 |
| Market cap | $724.32M | $352.89M |
| 1-day change | -0.73% | -1.21% |
| YTD return | +7.43% | +18.61% |
| 1-year return | +14.32% | +28.38% |
| 5-year return | +58.41% | -3.82% |
| P/E ratio (TTM) | 12.11 | 11.41 |
| Forward P/E | 10.48 | 19.44 |
| EPS (TTM) | $3.81 | $1.72 |
| Dividend yield | 1.15% | 3.26% |
| Annual dividend | $0.53 | $0.64 |
| 52-week high | $52.50 | $21.66 |
| 52-week low | $38.30 | $14.52 |
| Distance from 52-week high | -12.13% | -9.37% |
| Average volume | 193.41K | 76.76K |
| Shares outstanding | 15.70M | 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
- HomeTrust Bancshares is about 2.1 times larger than Waterstone Financial by market value ($724.32M vs $352.89M).
- WSBF has outperformed HTB by 14.1 percentage points over the past year.
- Waterstone Financial offers a meaningfully higher dividend yield (3.26% vs 1.15%).
HTB vs WSBF FAQ
Which is bigger, HomeTrust Bancshares or Waterstone Financial?
HomeTrust Bancshares (HTB) is larger, with a market capitalization of $724.32M compared with $352.89M for Waterstone Financial (WSBF).
Which stock has performed better over the past year, HTB or WSBF?
WSBF returned +28.38% over the past 12 months, compared with +14.32% for HTB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HTB or WSBF?
WSBF has the lower trailing P/E at 11.4, versus 12.1 for HTB. 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, HomeTrust Bancshares or Waterstone Financial?
Waterstone Financial has the higher yield at 3.26%, compared with 1.15% for HomeTrust Bancshares.
Are HomeTrust Bancshares and Waterstone Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.