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Side-by-side financial comparison of Waterstone Financial, Inc. (WSBF) and YORK WATER CO (YORW). Click either name above to swap in a different company.
Waterstone Financial, Inc. is the larger business by last-quarter revenue ($37.2M vs $19.4M, roughly 1.9× YORK WATER CO). On growth, Waterstone Financial, Inc. posted the faster year-over-year revenue change (16.7% vs 3.2%). Over the past eight quarters, Waterstone Financial, Inc.'s revenue compounded faster (7.1% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
WSBF vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $37.2M | $19.4M |
| Net Profit | — | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 27.0% | 33.2% |
| Net Margin | — | 26.7% |
| Revenue YoY | 16.7% | 3.2% |
| Net Profit YoY | — | 0.5% |
| EPS (diluted) | $0.43 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $37.0M | $20.2M | ||
| Q2 25 | $38.0M | $19.1M | ||
| Q1 25 | $29.7M | $18.3M | ||
| Q4 24 | $31.8M | $18.8M | ||
| Q3 24 | $34.1M | $19.6M | ||
| Q2 24 | $37.2M | $18.6M | ||
| Q1 24 | $32.4M | $17.5M |
| Q4 25 | — | $5.2M | ||
| Q3 25 | $7.9M | $6.2M | ||
| Q2 25 | $7.7M | $5.1M | ||
| Q1 25 | $3.0M | $3.6M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | $4.7M | $5.9M | ||
| Q2 24 | $5.7M | $5.0M | ||
| Q1 24 | $3.0M | $4.3M |
| Q4 25 | 27.0% | 33.2% | ||
| Q3 25 | 26.6% | 39.1% | ||
| Q2 25 | 25.4% | 37.1% | ||
| Q1 25 | 13.1% | 34.3% | ||
| Q4 24 | 19.5% | 35.8% | ||
| Q3 24 | 17.3% | 41.1% | ||
| Q2 24 | 19.2% | 37.9% | ||
| Q1 24 | 14.7% | 35.5% |
| Q4 25 | — | 26.7% | ||
| Q3 25 | 21.4% | 30.6% | ||
| Q2 25 | 20.3% | 26.5% | ||
| Q1 25 | 10.2% | 19.8% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | 13.9% | 29.9% | ||
| Q2 24 | 15.4% | 26.8% | ||
| Q1 24 | 9.4% | 24.7% |
| Q4 25 | $0.43 | $0.36 | ||
| Q3 25 | $0.45 | $0.43 | ||
| Q2 25 | $0.43 | $0.35 | ||
| Q1 25 | $0.17 | $0.25 | ||
| Q4 24 | $0.28 | $0.36 | ||
| Q3 24 | $0.26 | $0.41 | ||
| Q2 24 | $0.31 | $0.35 | ||
| Q1 24 | $0.16 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0K |
| Total DebtLower is stronger | $412.3M | — |
| Stockholders' EquityBook value | $349.4M | $240.3M |
| Total Assets | $2.3B | $680.9M |
| Debt / EquityLower = less leverage | 1.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0K | ||
| Q3 25 | — | $1.0K | ||
| Q2 25 | — | $1.0K | ||
| Q1 25 | — | $1.0K | ||
| Q4 24 | — | $1.0K | ||
| Q3 24 | — | $1.0K | ||
| Q2 24 | — | $1.0K | ||
| Q1 24 | — | $3.3M |
| 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 | $349.4M | $240.3M | ||
| Q3 25 | $345.5M | $238.0M | ||
| Q2 25 | $341.5M | $234.6M | ||
| Q1 25 | $341.4M | $232.1M | ||
| Q4 24 | $339.1M | $231.2M | ||
| Q3 24 | $342.0M | $228.7M | ||
| Q2 24 | $334.9M | $225.4M | ||
| Q1 24 | $338.0M | $222.9M |
| Q4 25 | $2.3B | $680.9M | ||
| Q3 25 | $2.3B | $667.1M | ||
| Q2 25 | $2.3B | $653.7M | ||
| Q1 25 | $2.2B | $641.8M | ||
| Q4 24 | $2.2B | $633.5M | ||
| Q3 24 | $2.2B | $621.4M | ||
| Q2 24 | $2.3B | $610.4M | ||
| Q1 24 | $2.2B | $602.3M |
| 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 | $24.2M | $8.4M |
| Free Cash FlowOCF − Capex | $23.0M | — |
| FCF MarginFCF / Revenue | 61.9% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| Cash ConversionOCF / Net Profit | — | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $43.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.2M | $8.4M | ||
| Q3 25 | $32.7M | $7.8M | ||
| Q2 25 | $-38.4M | $7.6M | ||
| Q1 25 | $26.7M | $6.0M | ||
| Q4 24 | $48.1M | $10.2M | ||
| Q3 24 | $74.1M | $7.5M | ||
| Q2 24 | $-39.5M | $6.7M | ||
| Q1 24 | $-9.9M | $6.1M |
| 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 | — | 1.63× | ||
| Q3 25 | 4.13× | 1.26× | ||
| Q2 25 | -4.98× | 1.50× | ||
| Q1 25 | 8.81× | 1.65× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | 15.67× | 1.29× | ||
| Q2 24 | -6.92× | 1.34× | ||
| Q1 24 | -3.27× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
