Norwood Financial (NWFL) 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
Norwood Financial (NWFL) has outperformed Waterstone Financial (WSBF) over the past year, gaining 32.2% versus a gain of 28.4%. Over five years, NWFL leads with a +31.6% price change compared with -3.8% for WSBF. Norwood Financial is the larger company by market cap ($367.7 million vs $352.9 million), about 1.0 times the size.
On valuation, Norwood Financial trades at a lower forward P/E (8.7x vs 19.4x for Waterstone Financial). Norwood Financial offers the higher dividend yield (3.77% 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 | NWFL | WSBF |
|---|---|---|
| Share price | $33.73 | $19.63 |
| Market cap | $367.73M | $352.89M |
| 1-day change | -1.00% | -1.21% |
| YTD return | +20.25% | +18.61% |
| 1-year return | +32.22% | +28.38% |
| 5-year return | +31.60% | -3.82% |
| P/E ratio (TTM) | 11.67 | 11.35 |
| Forward P/E | 8.70 | 19.44 |
| EPS (TTM) | $2.89 | $1.73 |
| Dividend yield | 3.77% | 3.26% |
| Annual dividend | $1.27 | $0.64 |
| 52-week high | $35.48 | $21.66 |
| 52-week low | $23.82 | $14.52 |
| Distance from 52-week high | -4.93% | -9.37% |
| Analyst consensus | none | — |
| Avg. price target upside | +8.21% | — |
| Average volume | 34.57K | 76.18K |
| Shares outstanding | 10.90M | 17.98M |
| Employees | 275 | 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.
About Norwood Financial
NWFL stock →Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States.
Finance · Major Banks · 275 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
NWFL vs WSBF FAQ
Which is bigger, Norwood Financial or Waterstone Financial?
Norwood Financial (NWFL) is larger, with a market capitalization of $367.73M compared with $352.89M for Waterstone Financial (WSBF).
Which stock has performed better over the past year, NWFL or WSBF?
NWFL returned +32.22% 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, NWFL or WSBF?
WSBF has the lower trailing P/E at 11.3, versus 11.7 for NWFL. 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, Norwood Financial or Waterstone Financial?
Norwood Financial has the higher yield at 3.77%, compared with 3.26% for Waterstone Financial.
Are Norwood Financial and Waterstone Financial in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Norwood Financial and Savings Institutions for Waterstone Financial.