LDI vs WSBF

Comparison between LoanDepot Inc - Class A (LDI, Company) and Waterstone Financial Inc (WSBF, Company).

Both LDI and WSBF are from the Financial Services sector.

5-Year PerformanceWSBF has outperformed LDI, delivering a return of +5.8% compared to -36.3%

LDI vs WSBF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LDI(COMPANY)	WSBF(COMPANY)
Market Cap	$380M	$377M
Max Drawdown	97.29%	90.63%
Sharpe Ratio	-0.52	1.84
5Y Beta	1.05	0.52
Industry	Mortgage Finance	Banks - Regional
P/E Ratio	-4.53	12.73
Forward P/E	14.86	20.70
PEG Ratio	N/A	0.24
Dividend Yield	N/A	2.99%
5Y Dividends CAGR	N/A	-11.31%
5Y EPS CAGR	N/A	-16.52%
Debt to Equity	482.53%	117.34%
Free Cash Flow Yield	-13.94%	11.33%
P/S Ratio	0.68	2.54
P/B Ratio	1.87	1.05

Market Cap

Winner

LDI

$380M

WSBF

$377M

Max Drawdown

LDI

97.29%

Winner

WSBF

90.63%

Sharpe Ratio

LDI

-0.52

Winner

WSBF

1.84

5Y Beta

LDI

1.05

Winner

WSBF

0.52

Industry

LDI

Mortgage Finance

WSBF

Banks - Regional

P/E Ratio

Winner

LDI

-4.53

WSBF

12.73

Forward P/E

Winner

LDI

14.86

WSBF

20.70

PEG Ratio

LDI

N/A

WSBF

0.24

Dividend Yield

LDI

N/A

WSBF

2.99%

5Y Dividends CAGR

LDI

N/A

WSBF

-11.31%

5Y EPS CAGR

LDI

N/A

WSBF

-16.52%

Debt to Equity

LDI

482.53%

Winner

WSBF

117.34%

Free Cash Flow Yield

LDI

-13.94%

Winner

WSBF

11.33%

P/S Ratio

Winner

LDI

0.68

WSBF

2.54

P/B Ratio

LDI

1.87

Winner

WSBF

1.05

LDI vs WSBF - Historical Returns

Returns include dividend reinvestment.

Period	LDI	WSBF
1 month	-19.95%	+8.91%
3 months	-32.08%	+17.97%
6 months	-55.83%	+19.65%
1 year	-54.94%	+53.49%
5 years(CAGR)	-36.26%	+5.76%
10 years(CAGR)	N/A	+8.31%
Max(CAGR)	-43.23%	+6.55%

LDI

-19.95%

Winner

WSBF

+8.91%

LDI

-32.08%

Winner

WSBF

+17.97%

LDI

-55.83%

Winner

WSBF

+19.65%

LDI

-54.94%

Winner

WSBF

+53.49%

5Y(CAGR)

LDI

-36.26%

Winner

WSBF

+5.76%

10Y(CAGR)

LDI

N/A

WSBF

+8.31%

Max(CAGR)

LDI

-43.23%

Winner

WSBF

+6.55%

LDI vs WSBF - Annual Returns (2005 - 2026)

Returns include dividend reinvestment.

Year	LDI	WSBF
2026	-57.10%	+32.68%
2025	+6.15%	+32.10%
2024	-40.00%	+0.08%
2023	+115.95%	-14.51%
2022	-67.01%	-16.42%
2021	-76.71%	+24.78%
2020	N/A	+7.67%
2019	N/A	+20.35%
2018	N/A	+3.40%
2017	N/A	-3.47%
2016	N/A	+34.85%
2015	N/A	+9.96%
2014	N/A	+32.45%
2013	N/A	+36.87%
2012	N/A	+306.26%
2011	N/A	-42.02%
2010	N/A	+37.71%
2009	N/A	-40.41%
2008	N/A	-73.41%
2007	N/A	-27.94%
2006	N/A	+54.15%
2005	N/A	+1.69%

LDI vs WSBF Drawdown Comparison

The maximum drawdown for LDI was -97.05%, occurring on Aug 11, 2026. This drawdown has not yet recovered.

The maximum drawdown for WSBF was -90.63%, occurring on Dec 17, 2009. Recovery took 2492 trading sessions.

The current LDI drawdown is -96.90%. The current WSBF drawdown is -0.70%.

Rank	LDI	WSBF
#1	-97.05% Feb 12, 2021 - Aug 11, 2026	-90.63% Sep 18, 2006 - Aug 11, 2016
#2	N/A	-51.09% Jan 6, 2022 - Jan 22, 2026
#3	N/A	-33.12% Dec 17, 2019 - Nov 16, 2020
#4	N/A	-16.14% Oct 27, 2017 - Oct 24, 2019
#5	N/A	-11.30% Jun 9, 2017 - Sep 27, 2017
#6	N/A	-10.58% Oct 6, 2005 - Nov 30, 2005
#7	N/A	-8.79% Dec 9, 2016 - Feb 16, 2017
#8	N/A	-8.59% Feb 16, 2017 - Apr 24, 2017
#9	N/A	-7.97% Jun 30, 2006 - Aug 29, 2006
#10	N/A	-7.19% Jan 22, 2026 - Jan 29, 2026
#11	N/A	-7.18% Apr 12, 2021 - Aug 6, 2021
#12	N/A	-6.98% Feb 2, 2026 - Apr 9, 2026
#13	N/A	-6.56% Jul 1, 2026 - Aug 3, 2026
#14	N/A	-6.33% May 3, 2017 - Jun 9, 2017
#15	N/A	-6.07% Nov 12, 2021 - Jan 4, 2022

Correlation

Correlation between LDI and WSBF is 0.14 which considered as a very weak or no correlation - the stocks move independently of each other.

0.14

-101

Dividend Comparison (2014 - 2026)

LDI vs WSBF dividend yield comparison.

Year	LDI	WSBF
2026	0.00%	2.30%
2025	0.00%	3.63%
2024	0.00%	4.46%
2023	0.00%	5.28%
2022	4.85%	7.54%
2021	17.75%	5.95%
2020	0.00%	6.80%
2019	0.00%	5.15%
2018	0.00%	5.85%
2017	0.00%	5.75%
2016	0.00%	1.41%
2015	0.00%	1.42%
2014	0.00%	1.14%