WSBF vs AII

Comparison between Waterstone Financial Inc (WSBF, Company) and American Integrity Insurance Group Inc (AII, Company).

Both WSBF and AII are from the Financial Services sector.

WSBF vs AII - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	WSBF(COMPANY)	AII(COMPANY)
Market Cap	$354M	$355M
Max Drawdown	90.63%	37.53%
Sharpe Ratio	1.76	0.45
5Y Beta	0.54	0.18
Industry	Banks - Regional	Insurance - Property & Casualty
P/E Ratio	12.28	4.36
Forward P/E	20.70	6.72
PEG Ratio	0.19	N/A
Dividend Yield	3.29%	N/A
5Y Dividends CAGR	-11.31%	N/A
5Y EPS CAGR	-17.57%	N/A
Debt to Equity	118.62%	0.15%
Free Cash Flow Yield	-1.44%	19.91%
P/S Ratio	2.37	1.20
P/B Ratio	1.02	1.09

Market Cap

WSBF

$354M

Winner

AII

$355M

Max Drawdown

WSBF

90.63%

Winner

AII

37.53%

Sharpe Ratio

Winner

WSBF

1.76

AII

0.45

5Y Beta

WSBF

0.54

Winner

AII

0.18

Industry

WSBF

Banks - Regional

AII

Insurance - Property & Casualty

P/E Ratio

WSBF

12.28

Winner

AII

4.36

Forward P/E

WSBF

20.70

Winner

AII

6.72

PEG Ratio

WSBF

0.19

AII

N/A

Dividend Yield

WSBF

3.29%

AII

N/A

5Y Dividends CAGR

WSBF

-11.31%

AII

N/A

5Y EPS CAGR

WSBF

-17.57%

AII

N/A

Debt to Equity

WSBF

118.62%

Winner

AII

0.15%

Free Cash Flow Yield

WSBF

-1.44%

Winner

AII

19.91%

P/S Ratio

WSBF

2.37

Winner

AII

1.20

P/B Ratio

Winner

WSBF

1.02

AII

1.09

WSBF vs AII - Historical Returns

Returns include dividend reinvestment.

Period	WSBF	AII
1 month	-0.31%	+1.76%
3 months	+14.16%	-2.46%
6 months	+17.06%	+8.47%
1 year	+51.37%	+16.86%
5 years(CAGR)	+5.89%	N/A
10 years(CAGR)	+8.30%	N/A
Max(CAGR)	+6.28%	+15.19%

WSBF

-0.31%

Winner

AII

+1.76%

Winner

WSBF

+14.16%

AII

-2.46%

Winner

WSBF

+17.06%

AII

+8.47%

Winner

WSBF

+51.37%

AII

+16.86%

5Y(CAGR)

WSBF

+5.89%

AII

N/A

10Y(CAGR)

WSBF

+8.30%

AII

N/A

Max(CAGR)

WSBF

+6.28%

Winner

AII

+15.19%

WSBF vs AII - Annual Returns (2005 - 2026)

Returns include dividend reinvestment.

Year	WSBF	AII
2026	+25.56%	-0.51%
2025	+32.10%	+23.25%
2024	+0.08%	N/A
2023	-14.51%	N/A
2022	-16.42%	N/A
2021	+24.78%	N/A
2020	+7.67%	N/A
2019	+20.35%	N/A
2018	+3.40%	N/A
2017	-3.47%	N/A
2016	+34.85%	N/A
2015	+9.96%	N/A
2014	+32.45%	N/A
2013	+36.87%	N/A
2012	+306.26%	N/A
2011	-42.02%	N/A
2010	+37.71%	N/A
2009	-40.41%	N/A
2008	-73.41%	N/A
2007	-27.94%	N/A
2006	+54.15%	N/A
2005	+1.69%	N/A

WSBF vs AII Drawdown Comparison

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

The maximum drawdown for AII was -34.17%, occurring on May 29, 2026. This drawdown has not yet recovered.

The current WSBF drawdown is -2.84%. The current AII drawdown is -23.34%.

Rank	WSBF	AII
#1	-90.63% Sep 18, 2006 - Aug 11, 2016	-34.17% Nov 11, 2025 - May 29, 2026
#2	-51.09% Jan 6, 2022 - Jan 22, 2026	-8.36% Jul 1, 2025 - Jul 30, 2025
#3	-33.12% Dec 17, 2019 - Nov 16, 2020	-8.10% May 13, 2025 - Jun 24, 2025
#4	-16.14% Oct 27, 2017 - Oct 24, 2019	-6.36% Oct 8, 2025 - Oct 24, 2025
#5	-11.30% Jun 9, 2017 - Sep 27, 2017	-6.14% Aug 5, 2025 - Aug 15, 2025
#6	-10.58% Oct 6, 2005 - Nov 30, 2005	-5.87% Aug 15, 2025 - Aug 25, 2025
#7	-8.79% Dec 9, 2016 - Feb 16, 2017	-4.85% Sep 22, 2025 - Oct 2, 2025
#8	-8.59% Feb 16, 2017 - Apr 24, 2017	-3.47% Oct 27, 2025 - Nov 5, 2025
#9	-7.97% Jun 30, 2006 - Aug 29, 2006	-3.27% Aug 25, 2025 - Aug 29, 2025
#10	-7.19% Jan 22, 2026 - Jan 29, 2026	-3.00% Aug 29, 2025 - Sep 11, 2025
#11	-7.18% Apr 12, 2021 - Aug 6, 2021	-1.18% Jun 24, 2025 - Jun 26, 2025
#12	-6.98% Feb 2, 2026 - Apr 9, 2026	-0.96% Jul 31, 2025 - Aug 5, 2025
#13	-6.56% Jul 1, 2026 - Jul 8, 2026	-0.89% Jun 26, 2025 - Jun 30, 2025
#14	-6.33% May 3, 2017 - Jun 9, 2017	-0.55% Sep 11, 2025 - Sep 15, 2025
#15	-6.07% Nov 12, 2021 - Jan 4, 2022	-0.52% Sep 17, 2025 - Sep 19, 2025

Correlation

Correlation between WSBF and AII is 0.11 which considered as a very weak or no correlation - the stocks move independently of each other.

0.11

-101

Dividend Comparison (2014 - 2026)

WSBF vs AII dividend yield comparison.

Year	WSBF	AII
2026	2.44%	5.35%
2025	3.63%	0.00%
2024	4.46%	0.00%
2023	5.28%	0.00%
2022	7.54%	0.00%
2021	5.95%	0.00%
2020	6.80%	0.00%
2019	5.15%	0.00%
2018	5.85%	0.00%
2017	5.75%	0.00%
2016	1.41%	0.00%
2015	1.42%	0.00%
2014	1.14%	0.00%