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Side-by-side financial comparison of R F INDUSTRIES LTD (RFIL) 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 $22.7M, roughly 1.6× R F INDUSTRIES LTD). On growth, R F INDUSTRIES LTD posted the faster year-over-year revenue change (22.9% vs 16.7%). Waterstone Financial, Inc. produced more free cash flow last quarter ($23.0M vs $2.0M). Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% CAGR vs 7.1%).
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
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.
RFIL vs WSBF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.7M | $37.2M |
| Net Profit | $173.0K | — |
| Gross Margin | 36.8% | — |
| Operating Margin | 4.0% | 27.0% |
| Net Margin | 0.8% | — |
| Revenue YoY | 22.9% | 16.7% |
| Net Profit YoY | 172.7% | — |
| EPS (diluted) | $0.01 | $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 | $22.7M | $37.2M | ||
| Q3 25 | $19.8M | $37.0M | ||
| Q2 25 | $18.9M | $38.0M | ||
| Q1 25 | $19.2M | $29.7M | ||
| Q4 24 | $18.5M | $31.8M | ||
| Q3 24 | $16.8M | $34.1M | ||
| Q2 24 | $16.1M | $37.2M | ||
| Q1 24 | $13.5M | $32.4M |
| Q4 25 | $173.0K | — | ||
| Q3 25 | $392.0K | $7.9M | ||
| Q2 25 | $-245.0K | $7.7M | ||
| Q1 25 | $-245.0K | $3.0M | ||
| Q4 24 | $-238.0K | — | ||
| Q3 24 | $-705.0K | $4.7M | ||
| Q2 24 | $-4.3M | $5.7M | ||
| Q1 24 | $-1.4M | $3.0M |
| Q4 25 | 36.8% | — | ||
| Q3 25 | 34.0% | — | ||
| Q2 25 | 31.5% | — | ||
| Q1 25 | 29.8% | — | ||
| Q4 24 | 31.3% | — | ||
| Q3 24 | 29.5% | — | ||
| Q2 24 | 29.9% | — | ||
| Q1 24 | 24.5% | — |
| Q4 25 | 4.0% | 27.0% | ||
| Q3 25 | 3.6% | 26.6% | ||
| Q2 25 | 0.6% | 25.4% | ||
| Q1 25 | 0.3% | 13.1% | ||
| Q4 24 | 0.5% | 19.5% | ||
| Q3 24 | -2.5% | 17.3% | ||
| Q2 24 | -2.6% | 19.2% | ||
| Q1 24 | -15.5% | 14.7% |
| Q4 25 | 0.8% | — | ||
| Q3 25 | 2.0% | 21.4% | ||
| Q2 25 | -1.3% | 20.3% | ||
| Q1 25 | -1.3% | 10.2% | ||
| Q4 24 | -1.3% | — | ||
| Q3 24 | -4.2% | 13.9% | ||
| Q2 24 | -26.7% | 15.4% | ||
| Q1 24 | -10.1% | 9.4% |
| Q4 25 | $0.01 | $0.43 | ||
| Q3 25 | $0.04 | $0.45 | ||
| Q2 25 | $-0.02 | $0.43 | ||
| Q1 25 | $-0.02 | $0.17 | ||
| Q4 24 | $-0.02 | $0.28 | ||
| Q3 24 | $-0.07 | $0.26 | ||
| Q2 24 | $-0.41 | $0.31 | ||
| Q1 24 | $-0.13 | $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 | $5.1M | — |
| Total DebtLower is stronger | — | $412.3M |
| Stockholders' EquityBook value | $35.2M | $349.4M |
| Total Assets | $73.0M | $2.3B |
| Debt / EquityLower = less leverage | — | 1.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.1M | — | ||
| Q3 25 | $3.0M | — | ||
| Q2 25 | $3.6M | — | ||
| Q1 25 | $1.3M | — | ||
| Q4 24 | $839.0K | — | ||
| Q3 24 | $1.8M | — | ||
| Q2 24 | $1.4M | — | ||
| Q1 24 | $4.5M | — |
| Q4 25 | — | $412.3M | ||
| Q3 25 | — | $469.1M | ||
| Q2 25 | — | $465.7M | ||
| Q1 25 | — | $395.9M | ||
| Q4 24 | — | $446.5M | ||
| Q3 24 | — | $560.1M | ||
| Q2 24 | — | $660.8M | ||
| Q1 24 | — | $634.2M |
| Q4 25 | $35.2M | $349.4M | ||
| Q3 25 | $34.8M | $345.5M | ||
| Q2 25 | $34.2M | $341.5M | ||
| Q1 25 | $34.2M | $341.4M | ||
| Q4 24 | $34.1M | $339.1M | ||
| Q3 24 | $34.1M | $342.0M | ||
| Q2 24 | $34.6M | $334.9M | ||
| Q1 24 | $38.7M | $338.0M |
| Q4 25 | $73.0M | $2.3B | ||
| Q3 25 | $73.2M | $2.3B | ||
| Q2 25 | $72.7M | $2.3B | ||
| Q1 25 | $70.4M | $2.2B | ||
| Q4 24 | $71.0M | $2.2B | ||
| Q3 24 | $71.9M | $2.2B | ||
| Q2 24 | $72.8M | $2.3B | ||
| Q1 24 | $79.1M | $2.2B |
| Q4 25 | — | 1.18× | ||
| Q3 25 | — | 1.36× | ||
| Q2 25 | — | 1.36× | ||
| Q1 25 | — | 1.16× | ||
| Q4 24 | — | 1.32× | ||
| Q3 24 | — | 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 | $2.1M | $24.2M |
| Free Cash FlowOCF − Capex | $2.0M | $23.0M |
| FCF MarginFCF / Revenue | 9.0% | 61.9% |
| Capex IntensityCapex / Revenue | 0.3% | 3.1% |
| Cash ConversionOCF / Net Profit | 12.13× | — |
| TTM Free Cash FlowTrailing 4 quarters | $4.3M | $43.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.1M | $24.2M | ||
| Q3 25 | $-311.0K | $32.7M | ||
| Q2 25 | $2.2M | $-38.4M | ||
| Q1 25 | $601.0K | $26.7M | ||
| Q4 24 | $-244.0K | $48.1M | ||
| Q3 24 | $2.4M | $74.1M | ||
| Q2 24 | $197.0K | $-39.5M | ||
| Q1 24 | $840.0K | $-9.9M |
| Q4 25 | $2.0M | $23.0M | ||
| Q3 25 | $-419.0K | $32.4M | ||
| Q2 25 | $2.2M | $-38.5M | ||
| Q1 25 | $574.0K | $26.5M | ||
| Q4 24 | $-418.0K | $47.0M | ||
| Q3 24 | $2.1M | $73.9M | ||
| Q2 24 | $28.0K | $-39.7M | ||
| Q1 24 | $697.0K | $-10.3M |
| Q4 25 | 9.0% | 61.9% | ||
| Q3 25 | -2.1% | 87.5% | ||
| Q2 25 | 11.4% | -101.2% | ||
| Q1 25 | 3.0% | 89.2% | ||
| Q4 24 | -2.3% | 147.5% | ||
| Q3 24 | 12.6% | 216.9% | ||
| Q2 24 | 0.2% | -106.7% | ||
| Q1 24 | 5.2% | -31.9% |
| Q4 25 | 0.3% | 3.1% | ||
| Q3 25 | 0.5% | 0.8% | ||
| Q2 25 | 0.2% | 0.2% | ||
| Q1 25 | 0.1% | 0.9% | ||
| Q4 24 | 0.9% | 3.5% | ||
| Q3 24 | 1.5% | 0.6% | ||
| Q2 24 | 1.0% | 0.4% | ||
| Q1 24 | 1.1% | 1.2% |
| Q4 25 | 12.13× | — | ||
| Q3 25 | -0.79× | 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
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
WSBF
Segment breakdown not available.
