Avidbank Holdings Inc. (AVBH) vs Waterstone Financial, Inc. (WSBF)
Avidbank Holdings Inc. and Waterstone Financial, Inc. are both Banks Regional companies. Avidbank Holdings Inc. and Waterstone Financial, Inc. are of similar size ($365.3M and $342.4M). Avidbank Holdings Inc. has negative trailing earnings, so its P/E is not meaningful; Waterstone Financial, Inc. trades at 11.8×. Waterstone Financial, Inc. grew revenue faster over the last twelve months: 4.47% against −32.7%. Waterstone Financial, Inc. has the higher net margin (14.6% vs −14.1%) and the higher return on invested capital (7.61% vs −7.91%). Across the 18 metrics below, Waterstone Financial, Inc. leads on 11 and Avidbank Holdings Inc. on 7.
Valuation
Profitability
| Metric | AVBH | WSBF | Banks Regional median |
|---|---|---|---|
| Gross margin | 46.29% | 72.71% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (14.12%) | 14.58% | 18.66% |
| Free cash flow margin | 52.44% | 20.71% | 21.18% |
| Return on equity | (5.64%) | 8.69% | 10.64% |
| Return on assets | (0.56%) | 1.33% | 1.13% |
| Return on invested capital | (7.91%) | 7.61% | 8.33% |
Growth
Health
Dividend
Size
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