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Side-by-side financial comparison of HEALTHY CHOICE WELLNESS CORP. (HCWC) and Waterstone Financial, Inc. (WSBF). Click either name above to swap in a different company.
Waterstone Financial, Inc. is the larger business by last-quarter revenue ($37.2M vs $18.7M, roughly 2.0× HEALTHY CHOICE WELLNESS CORP.). Waterstone Financial, Inc. produced more free cash flow last quarter ($23.0M vs $-927.1K).
Waterstone Financial, Inc. is a U.S. bank holding company headquartered in Wisconsin. It offers retail and commercial banking services, residential mortgages, and wealth management solutions, primarily serving consumers and small to medium-sized businesses across the U.S. Midwest region.
HCWC vs WSBF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.7M | $37.2M |
| Net Profit | $-1.7M | — |
| Gross Margin | 39.1% | — |
| Operating Margin | -7.6% | 27.0% |
| Net Margin | -8.9% | — |
| Revenue YoY | — | 16.7% |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.05 | $0.43 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $18.7M | $37.2M | ||
| Q3 25 | $19.0M | $37.0M | ||
| Q2 25 | $20.2M | $38.0M | ||
| Q1 25 | $20.3M | $29.7M | ||
| Q4 24 | — | $31.8M | ||
| Q3 24 | $18.2M | $34.1M | ||
| Q2 24 | — | $37.2M | ||
| Q1 24 | — | $32.4M |
| Q4 25 | $-1.7M | — | ||
| Q3 25 | $-1.2M | $7.9M | ||
| Q2 25 | $-339.4K | $7.7M | ||
| Q1 25 | $-712.4K | $3.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-2.7M | $4.7M | ||
| Q2 24 | — | $5.7M | ||
| Q1 24 | — | $3.0M |
| Q4 25 | 39.1% | — | ||
| Q3 25 | 38.8% | — | ||
| Q2 25 | 40.1% | — | ||
| Q1 25 | 38.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 38.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | -7.6% | 27.0% | ||
| Q3 25 | -3.2% | 26.6% | ||
| Q2 25 | -0.2% | 25.4% | ||
| Q1 25 | -2.0% | 13.1% | ||
| Q4 24 | — | 19.5% | ||
| Q3 24 | -2.0% | 17.3% | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | — | 14.7% |
| Q4 25 | -8.9% | — | ||
| Q3 25 | -6.4% | 21.4% | ||
| Q2 25 | -1.7% | 20.3% | ||
| Q1 25 | -3.5% | 10.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | -14.6% | 13.9% | ||
| Q2 24 | — | 15.4% | ||
| Q1 24 | — | 9.4% |
| Q4 25 | $-0.05 | $0.43 | ||
| Q3 25 | $-0.09 | $0.45 | ||
| Q2 25 | $-0.03 | $0.43 | ||
| Q1 25 | $-0.07 | $0.17 | ||
| Q4 24 | — | $0.28 | ||
| Q3 24 | $-0.29 | $0.26 | ||
| Q2 24 | — | $0.31 | ||
| Q1 24 | — | $0.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $3.0M | — |
| Total DebtLower is stronger | $7.3M | $412.3M |
| Stockholders' EquityBook value | $7.3M | $349.4M |
| Total Assets | $33.5M | $2.3B |
| Debt / EquityLower = less leverage | 1.00× | 1.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0M | — | ||
| Q3 25 | $3.0M | — | ||
| Q2 25 | $4.7M | — | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $1.8M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $7.3M | $412.3M | ||
| Q3 25 | $8.5M | $469.1M | ||
| Q2 25 | $9.7M | $465.7M | ||
| Q1 25 | $10.6M | $395.9M | ||
| Q4 24 | — | $446.5M | ||
| Q3 24 | $11.6M | $560.1M | ||
| Q2 24 | — | $660.8M | ||
| Q1 24 | — | $634.2M |
| Q4 25 | $7.3M | $349.4M | ||
| Q3 25 | $5.9M | $345.5M | ||
| Q2 25 | $5.8M | $341.5M | ||
| Q1 25 | $2.1M | $341.4M | ||
| Q4 24 | — | $339.1M | ||
| Q3 24 | $2.9M | $342.0M | ||
| Q2 24 | — | $334.9M | ||
| Q1 24 | — | $338.0M |
| Q4 25 | $33.5M | $2.3B | ||
| Q3 25 | $33.7M | $2.3B | ||
| Q2 25 | $36.4M | $2.3B | ||
| Q1 25 | $34.1M | $2.2B | ||
| Q4 24 | — | $2.2B | ||
| Q3 24 | $33.2M | $2.2B | ||
| Q2 24 | — | $2.3B | ||
| Q1 24 | — | $2.2B |
| Q4 25 | 1.00× | 1.18× | ||
| Q3 25 | 1.43× | 1.36× | ||
| Q2 25 | 1.69× | 1.36× | ||
| Q1 25 | 5.01× | 1.16× | ||
| Q4 24 | — | 1.32× | ||
| Q3 24 | 3.95× | 1.64× | ||
| Q2 24 | — | 1.97× | ||
| Q1 24 | — | 1.88× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-855.1K | $24.2M |
| Free Cash FlowOCF − Capex | $-927.1K | $23.0M |
| FCF MarginFCF / Revenue | -5.0% | 61.9% |
| Capex IntensityCapex / Revenue | 0.4% | 3.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $675.4K | $43.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-855.1K | $24.2M | ||
| Q3 25 | $-308.7K | $32.7M | ||
| Q2 25 | $1.1M | $-38.4M | ||
| Q1 25 | $1.1M | $26.7M | ||
| Q4 24 | — | $48.1M | ||
| Q3 24 | — | $74.1M | ||
| Q2 24 | — | $-39.5M | ||
| Q1 24 | — | $-9.9M |
| Q4 25 | $-927.1K | $23.0M | ||
| Q3 25 | $-351.3K | $32.4M | ||
| Q2 25 | $988.6K | $-38.5M | ||
| Q1 25 | $965.3K | $26.5M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | — | $73.9M | ||
| Q2 24 | — | $-39.7M | ||
| Q1 24 | — | $-10.3M |
| Q4 25 | -5.0% | 61.9% | ||
| Q3 25 | -1.8% | 87.5% | ||
| Q2 25 | 4.9% | -101.2% | ||
| Q1 25 | 4.8% | 89.2% | ||
| Q4 24 | — | 147.5% | ||
| Q3 24 | — | 216.9% | ||
| Q2 24 | — | -106.7% | ||
| Q1 24 | — | -31.9% |
| Q4 25 | 0.4% | 3.1% | ||
| Q3 25 | 0.2% | 0.8% | ||
| Q2 25 | 0.4% | 0.2% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 1.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | 4.13× | ||
| Q2 25 | — | -4.98× | ||
| Q1 25 | — | 8.81× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 15.67× | ||
| Q2 24 | — | -6.92× | ||
| Q1 24 | — | -3.27× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HCWC
| Retail Grocery | $17.1M | 91% |
| Food Service Restaurant | $1.7M | 9% |
WSBF
Segment breakdown not available.
