` Comparison: WSBF vs PFSI - Alpha Spread
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WSBF
vs
PFSI

Over the past 12 months, WSBF has significantly outperformed PFSI, delivering a return of +21% compared to the PFSI's 9% drop.

Valuation Growth Profitability Solvency Stocks Performance
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WSBF
PFSI
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Stocks Compared:
WSBF PFSI
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Valuation Comparison

WSBF Intrinsic Value
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PFSI Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Waterstone Financial Inc
NASDAQ:WSBF
17.82 USD
PennyMac Financial Services Inc
NYSE:PFSI
92.22 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
WSBF, PFSI

WSBF
PFSI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Waterstone Financial Inc
Revenue
PennyMac Financial Services Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
WSBF, PFSI

WSBF
PFSI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Waterstone Financial Inc
NASDAQ:WSBF
FCF is not applicable for financial companies
PennyMac Financial Services Inc
NYSE:PFSI
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What is Free Cash Flow?

Gross Margin

WSBF
PFSI
68.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Waterstone Financial Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Operating Margin

WSBF
PFSI
18.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Waterstone Financial Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Net Margin

WSBF
18.6%
PFSI
16.7%

FCF Margin

WSBF
PFSI
-64.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Waterstone Financial Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROE

WSBF
7.7%
PFSI
12.3%

ROA

WSBF
1.2%
PFSI
1.8%

ROIC

WSBF
PFSI
1.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Waterstone Financial Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROCE

WSBF
PFSI
3.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Waterstone Financial Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Solvency Comparison

Waterstone Financial Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
PennyMac Financial Services Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
WSBF, PFSI

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WSBF
PFSI
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Performance Gap
WSBF, PFSI

Performance Gap Between WSBF and PFSI
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Performance By Year
WSBF, PFSI

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WSBF
PFSI
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