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WSBF vs SPY

Comparison between Waterstone Financial Inc (WSBF, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed WSBF, delivering a return of +13.4% compared to +4.6%

WSBF vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
WSBF
$351M
Winner
SPY
$784B
Expense Ratio
WSBF
N/A
SPY
0.09%
Max Drawdown
WSBF
90.63%
Winner
SPY
56.47%
Sharpe Ratio
Winner
WSBF
1.61
SPY
1.50
5Y Beta
Winner
WSBF
0.53
SPY
1.00
Industry
WSBF
Banks - Regional
SPY
N/A
P/E Ratio
Winner
WSBF
12.18
SPY
28.29
Forward P/E
Winner
WSBF
20.70
SPY
21.76
PEG Ratio
WSBF
0.19
SPY
N/A
Dividend Yield
WSBF
3.20%
SPY
N/A
5Y Dividends CAGR
WSBF
-2.19%
Winner
SPY
5.43%
5Y EPS CAGR
WSBF
-17.57%
Winner
SPY
25.98%
Debt to Equity
WSBF
118.62%
Winner
SPY
30.79%
Free Cash Flow Yield
WSBF
-1.45%
SPY
N/A
P/S Ratio
Winner
WSBF
2.31
SPY
3.79
P/B Ratio
Winner
WSBF
0.97
SPY
5.67

WSBF vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
WSBF
+7.39%
SPY
+0.48%
3M
Winner
WSBF
+12.25%
SPY
+11.67%
6M
Winner
WSBF
+17.18%
SPY
+9.42%
1Y
Winner
WSBF
+49.53%
SPY
+24.27%
5Y(CAGR)
WSBF
+4.61%
Winner
SPY
+13.36%
10Y(CAGR)
WSBF
+9.03%
Winner
SPY
+15.42%
Max(CAGR)
WSBF
+6.14%
Winner
SPY
+8.49%

WSBF vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearWSBFSPY
2026+21.38%+8.88%
2025+32.10%+18.00%
2024+0.08%+25.59%
2023-14.51%+26.72%
2022-16.42%-18.64%
2021+24.78%+30.52%
2020+7.67%+17.28%
2019+20.35%+31.09%
2018+3.40%-5.24%
2017-3.47%+20.78%
2016+34.85%+13.59%
2015+9.96%+1.31%
2014+32.45%+14.56%
2013+36.87%+29.00%
2012+306.26%+14.17%
2011-42.02%+0.85%
2010+37.71%+13.14%
2009-40.41%+22.67%
2008-73.41%-36.25%
2007-27.94%+5.32%
2006+54.15%+13.85%
2005+1.69%+5.32%
2004N/A+10.75%
2003N/A+24.18%
2002N/A-22.42%
2001N/A-10.13%
2000N/A-8.84%
1999N/A+8.61%

WSBF vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SPY drawdown is -2.35%.

RankWSBFSPY
#1-90.63%
Sep 18, 2006 - Aug 11, 2016		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-51.09%
Jan 6, 2022 - Jan 22, 2026		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-33.12%
Dec 17, 2019 - Nov 16, 2020		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-16.14%
Oct 27, 2017 - Oct 24, 2019		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-11.30%
Jun 9, 2017 - Sep 27, 2017		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-10.58%
Oct 6, 2005 - Nov 30, 2005		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-8.79%
Dec 9, 2016 - Feb 16, 2017		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-8.59%
Feb 16, 2017 - Apr 24, 2017		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-7.97%
Jun 30, 2006 - Aug 29, 2006		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-7.19%
Jan 22, 2026 - Jan 29, 2026		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-7.18%
Apr 12, 2021 - Aug 6, 2021		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-6.98%
Feb 2, 2026 - Apr 9, 2026		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-6.33%
May 3, 2017 - Jun 9, 2017		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-6.07%
Nov 12, 2021 - Jan 4, 2022		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-5.91%
Jan 14, 2021 - Feb 10, 2021		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between WSBF and SPY is 0.83 which considered as a strong positive correlation - the stocks tend to move together.

0.83
-101

Dividend Comparison (1999 - 2026)

WSBF vs SPY dividend yield comparison.

YearWSBFSPY
20261.63%0.24%
20253.63%1.07%
20244.46%1.21%
20235.28%1.40%
20227.54%1.65%
20215.95%1.20%
20206.80%1.52%
20195.15%1.75%
20185.85%2.04%
20175.75%1.80%
20161.41%2.03%
20151.42%2.06%
20141.14%1.87%
20130.00%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20090.00%1.95%
20080.00%3.02%
20070.00%1.85%
20060.00%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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