WSBF vs CZFS
Comparison between Waterstone Financial Inc (WSBF, Company) and Citizens Financial Services Inc (CZFS, Company).
Both WSBF and CZFS are from the Financial Services sector.
5-Year PerformanceCZFS has outperformed WSBF, delivering a return of +7.6% compared to +5.6%
WSBF vs CZFS - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
WSBF vs CZFS - Historical Returns
Returns include dividend reinvestment.
WSBF vs CZFS - Annual Returns (2001 - 2026)
Returns include dividend reinvestment.
| Year | WSBF | CZFS |
|---|---|---|
| 2026 | +25.19% | +36.69% |
| 2025 | +32.10% | -3.27% |
| 2024 | +0.08% | +3.35% |
| 2023 | -14.51% | -12.16% |
| 2022 | -16.42% | +31.15% |
| 2021 | +24.78% | +14.87% |
| 2020 | +7.67% | -4.54% |
| 2019 | +20.35% | +12.77% |
| 2018 | +3.40% | -7.82% |
| 2017 | -3.47% | +34.26% |
| 2016 | +34.85% | +13.55% |
| 2015 | +9.96% | -3.03% |
| 2014 | +32.45% | +8.49% |
| 2013 | +36.87% | +38.27% |
| 2012 | +306.26% | +29.99% |
| 2011 | -42.02% | -3.11% |
| 2010 | +37.71% | +47.79% |
| 2009 | -40.41% | +39.87% |
| 2008 | -73.41% | +3.26% |
| 2007 | -27.94% | -7.53% |
| 2006 | +54.15% | +13.12% |
| 2005 | +1.69% | -8.95% |
| 2004 | N/A | +4.26% |
| 2003 | N/A | +13.19% |
| 2002 | N/A | +64.92% |
| 2001 | N/A | +25.02% |
WSBF vs CZFS Drawdown Comparison
The maximum drawdown for WSBF was -90.63%, occurring on Dec 17, 2009. Recovery took 2492 trading sessions.
The maximum drawdown for CZFS was -54.99%, occurring on Apr 26, 2024. This drawdown has not yet recovered.
The current WSBF drawdown is -3.13%. The current CZFS drawdown is -8.14%.
| Rank | WSBF | CZFS |
|---|---|---|
| #1 | -90.63% Sep 18, 2006 - Aug 11, 2016 | -54.99% Jun 12, 2023 - Apr 26, 2024 |
| #2 | -51.09% Jan 6, 2022 - Jan 22, 2026 | -40.57% Feb 14, 2020 - Jul 6, 2021 |
| #3 | -33.12% Dec 17, 2019 - Nov 16, 2020 | -25.83% Jul 31, 2008 - Jul 20, 2009 |
| #4 | -16.14% Oct 27, 2017 - Oct 24, 2019 | -24.55% Apr 29, 2003 - Apr 5, 2007 |
| #5 | -11.30% Jun 9, 2017 - Sep 27, 2017 | -22.37% Aug 29, 2022 - Feb 6, 2023 |
| #6 | -10.58% Oct 6, 2005 - Nov 30, 2005 | -22.21% Apr 19, 2007 - May 7, 2008 |
| #7 | -8.79% Dec 9, 2016 - Feb 16, 2017 | -18.25% Feb 10, 2023 - Apr 10, 2023 |
| #8 | -8.59% Feb 16, 2017 - Apr 24, 2017 | -17.50% Jul 29, 2011 - May 8, 2012 |
| #9 | -7.97% Jun 30, 2006 - Aug 29, 2006 | -17.23% Mar 19, 2014 - Oct 11, 2016 |
| #10 | -7.19% Jan 22, 2026 - Jan 29, 2026 | -16.91% Apr 20, 2023 - Jun 7, 2023 |
| #11 | -7.18% Apr 12, 2021 - Aug 6, 2021 | -13.27% Oct 2, 2018 - Mar 29, 2019 |
| #12 | -6.98% Feb 2, 2026 - Apr 9, 2026 | -11.51% Jan 11, 2011 - Jul 29, 2011 |
| #13 | -6.56% Jul 1, 2026 - Jul 8, 2026 | -11.11% Jul 31, 2009 - Oct 21, 2009 |
| #14 | -6.33% May 3, 2017 - Jun 9, 2017 | -10.45% Aug 17, 2010 - Nov 3, 2010 |
| #15 | -6.07% Nov 12, 2021 - Jan 4, 2022 | -10.17% Apr 30, 2010 - Jul 19, 2010 |
Correlation
Correlation between WSBF and CZFS is 0.82 which considered as a strong positive correlation - the stocks tend to move together.
Dividend Comparison (2001 - 2026)
WSBF vs CZFS dividend yield comparison.
| Year | WSBF | CZFS |
|---|---|---|
| 2026 | 2.44% | 1.35% |
| 2025 | 3.63% | 3.49% |
| 2024 | 4.46% | 3.09% |
| 2023 | 5.28% | 3.75% |
| 2022 | 7.54% | 2.48% |
| 2021 | 5.95% | 3.08% |
| 2020 | 6.80% | 3.44% |
| 2019 | 5.15% | 2.90% |
| 2018 | 5.85% | 2.35% |
| 2017 | 5.75% | 2.68% |
| 2016 | 1.41% | 3.14% |
| 2015 | 1.42% | 3.53% |
| 2014 | 1.14% | 4.04% |
| 2013 | 0.00% | 2.27% |
| 2012 | 0.00% | 2.96% |
| 2011 | 0.00% | 3.35% |
| 2010 | 0.00% | 2.97% |
| 2009 | 0.00% | 3.98% |
| 2008 | 0.00% | 5.05% |
| 2007 | 0.00% | 4.50% |
| 2006 | 0.00% | 3.80% |
| 2005 | 0.00% | 3.92% |
| 2004 | 0.00% | 3.26% |
| 2003 | 0.00% | 3.09% |
| 2002 | 0.00% | 3.08% |
| 2001 | 0.00% | 4.54% |
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