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Side-by-side financial comparison of La Rosa Holdings Corp. (LRHC) 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 $20.2M, roughly 1.8× La Rosa Holdings Corp.). On growth, Waterstone Financial, Inc. posted the faster year-over-year revenue change (16.7% vs 3.2%). Over the past eight quarters, La Rosa Holdings Corp.'s revenue compounded faster (72.5% CAGR vs 7.1%).
V. La Rosa and Sons Macaroni Company was founded in 1914 by Vincenzo La Rosa, a Sicilian immigrant. The company eventually became one of the largest regional brands in the United States producing over 40 varieties of pasta.
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.
LRHC vs WSBF — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $20.2M | $37.2M |
| Net Profit | $-5.5M | — |
| Gross Margin | 8.4% | — |
| Operating Margin | -24.7% | 27.0% |
| Net Margin | -27.4% | — |
| Revenue YoY | 3.2% | 16.7% |
| Net Profit YoY | -125.7% | — |
| EPS (diluted) | $-5.44 | $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 | — | $37.2M | ||
| Q3 25 | $20.2M | $37.0M | ||
| Q2 25 | $23.2M | $38.0M | ||
| Q1 25 | $17.5M | $29.7M | ||
| Q4 24 | $17.7M | $31.8M | ||
| Q3 24 | $19.6M | $34.1M | ||
| Q2 24 | $19.1M | $37.2M | ||
| Q1 24 | $13.1M | $32.4M |
| Q4 25 | — | — | ||
| Q3 25 | $-5.5M | $7.9M | ||
| Q2 25 | $78.4M | $7.7M | ||
| Q1 25 | $-95.7M | $3.0M | ||
| Q4 24 | $-5.1M | — | ||
| Q3 24 | $-2.5M | $4.7M | ||
| Q2 24 | $-2.3M | $5.7M | ||
| Q1 24 | $-4.6M | $3.0M |
| Q4 25 | — | — | ||
| Q3 25 | 8.4% | — | ||
| Q2 25 | 8.0% | — | ||
| Q1 25 | 8.8% | — | ||
| Q4 24 | 8.9% | — | ||
| Q3 24 | 8.3% | — | ||
| Q2 24 | 8.3% | — | ||
| Q1 24 | 8.9% | — |
| Q4 25 | — | 27.0% | ||
| Q3 25 | -24.7% | 26.6% | ||
| Q2 25 | -10.6% | 25.4% | ||
| Q1 25 | -26.7% | 13.1% | ||
| Q4 24 | -17.1% | 19.5% | ||
| Q3 24 | -8.9% | 17.3% | ||
| Q2 24 | -9.7% | 19.2% | ||
| Q1 24 | -35.0% | 14.7% |
| Q4 25 | — | — | ||
| Q3 25 | -27.4% | 21.4% | ||
| Q2 25 | 337.8% | 20.3% | ||
| Q1 25 | -546.5% | 10.2% | ||
| Q4 24 | -28.7% | — | ||
| Q3 24 | -12.5% | 13.9% | ||
| Q2 24 | -12.2% | 15.4% | ||
| Q1 24 | -35.1% | 9.4% |
| Q4 25 | — | $0.43 | ||
| Q3 25 | $-5.44 | $0.45 | ||
| Q2 25 | $15.25 | $0.43 | ||
| Q1 25 | $-5.86 | $0.17 | ||
| Q4 24 | $28.54 | $0.28 | ||
| Q3 24 | $-16.49 | $0.26 | ||
| Q2 24 | $-12.49 | $0.31 | ||
| Q1 24 | $-0.35 | $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 | $4.0M | — |
| Total DebtLower is stronger | $642.8K | $412.3M |
| Stockholders' EquityBook value | $1.6M | $349.4M |
| Total Assets | $21.7M | $2.3B |
| Debt / EquityLower = less leverage | 0.41× | 1.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $1.4M | — | ||
| Q3 24 | $1.8M | — | ||
| Q2 24 | $1.6M | — | ||
| Q1 24 | $1.1M | — |
| Q4 25 | — | $412.3M | ||
| Q3 25 | $642.8K | $469.1M | ||
| Q2 25 | $644.3K | $465.7M | ||
| Q1 25 | $645.9K | $395.9M | ||
| Q4 24 | $647.6K | $446.5M | ||
| Q3 24 | $649.2K | $560.1M | ||
| Q2 24 | $650.8K | $660.8M | ||
| Q1 24 | $652.4K | $634.2M |
| Q4 25 | — | $349.4M | ||
| Q3 25 | $1.6M | $345.5M | ||
| Q2 25 | $3.4M | $341.5M | ||
| Q1 25 | $-87.5M | $341.4M | ||
| Q4 24 | $2.6M | $339.1M | ||
| Q3 24 | $5.0M | $342.0M | ||
| Q2 24 | $4.7M | $334.9M | ||
| Q1 24 | $5.6M | $338.0M |
| Q4 25 | — | $2.3B | ||
| Q3 25 | $21.7M | $2.3B | ||
| Q2 25 | $22.9M | $2.3B | ||
| Q1 25 | $21.0M | $2.2B | ||
| Q4 24 | $19.4M | $2.2B | ||
| Q3 24 | $19.7M | $2.2B | ||
| Q2 24 | $18.7M | $2.3B | ||
| Q1 24 | $16.3M | $2.2B |
| Q4 25 | — | 1.18× | ||
| Q3 25 | 0.41× | 1.36× | ||
| Q2 25 | 0.19× | 1.36× | ||
| Q1 25 | — | 1.16× | ||
| Q4 24 | 0.25× | 1.32× | ||
| Q3 24 | 0.13× | 1.64× | ||
| Q2 24 | 0.14× | 1.97× | ||
| Q1 24 | 0.12× | 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 | $-1.3M | $24.2M |
| Free Cash FlowOCF − Capex | — | $23.0M |
| FCF MarginFCF / Revenue | — | 61.9% |
| Capex IntensityCapex / Revenue | — | 3.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $43.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $24.2M | ||
| Q3 25 | $-1.3M | $32.7M | ||
| Q2 25 | $-1.4M | $-38.4M | ||
| Q1 25 | $-3.5M | $26.7M | ||
| Q4 24 | $-1.1M | $48.1M | ||
| Q3 24 | $-591.6K | $74.1M | ||
| Q2 24 | $-803.1K | $-39.5M | ||
| Q1 24 | $-538.3K | $-9.9M |
| Q4 25 | — | $23.0M | ||
| Q3 25 | — | $32.4M | ||
| Q2 25 | — | $-38.5M | ||
| Q1 25 | — | $26.5M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | — | $73.9M | ||
| Q2 24 | — | $-39.7M | ||
| Q1 24 | — | $-10.3M |
| Q4 25 | — | 61.9% | ||
| Q3 25 | — | 87.5% | ||
| Q2 25 | — | -101.2% | ||
| Q1 25 | — | 89.2% | ||
| Q4 24 | — | 147.5% | ||
| Q3 24 | — | 216.9% | ||
| Q2 24 | — | -106.7% | ||
| Q1 24 | — | -31.9% |
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 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 | -0.02× | -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
LRHC
| Real Estate Residential Brokerage Services | $16.8M | 83% |
| Transferred Over Time | $3.5M | 17% |
WSBF
Segment breakdown not available.
