WSBF vs TCI

Comparison between Waterstone Financial Inc (WSBF, Company) and Transcontinental Realty Investors Inc (TCI, Company).

WSBF is from the Financial Services sector, while TCI is from the Real Estate sector.

5-Year PerformanceTCI has outperformed WSBF, delivering a return of +10.3% compared to +5.8%

WSBF vs TCI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	WSBF(COMPANY)	TCI(COMPANY)
Market Cap	$359M	$358M
Max Drawdown	90.63%	92.97%
Sharpe Ratio	1.77	0.10
5Y Beta	0.52	0.66
Industry	Banks - Regional	Real Estate Services
P/E Ratio	12.44	38.32
Forward P/E	20.70	19.68
PEG Ratio	0.19	2.14
Dividend Yield	3.18%	N/A
5Y Dividends CAGR	-2.19%	N/A
5Y EPS CAGR	-17.57%	-17.62%
Debt to Equity	118.62%	25.02%
Free Cash Flow Yield	-1.42%	0.45%
P/S Ratio	2.40	7.26
P/B Ratio	1.03	0.42

Market Cap

Winner

WSBF

$359M

TCI

$358M

Max Drawdown

Winner

WSBF

90.63%

TCI

92.97%

Sharpe Ratio

Winner

WSBF

1.77

TCI

0.10

5Y Beta

Winner

WSBF

0.52

TCI

0.66

Industry

WSBF

Banks - Regional

TCI

Real Estate Services

P/E Ratio

Winner

WSBF

12.44

TCI

38.32

Forward P/E

WSBF

20.70

Winner

TCI

19.68

PEG Ratio

Winner

WSBF

0.19

TCI

2.14

Dividend Yield

WSBF

3.18%

TCI

N/A

5Y Dividends CAGR

WSBF

-2.19%

TCI

N/A

5Y EPS CAGR

Winner

WSBF

-17.57%

TCI

-17.62%

Debt to Equity

WSBF

118.62%

Winner

TCI

25.02%

Free Cash Flow Yield

WSBF

-1.42%

Winner

TCI

0.45%

P/S Ratio

Winner

WSBF

2.40

TCI

7.26

P/B Ratio

WSBF

1.03

Winner

TCI

0.42

WSBF vs TCI - Historical Returns

Returns include dividend reinvestment.

Period	WSBF	TCI
1 month	+9.70%	+24.35%
3 months	+12.29%	+46.36%
6 months	+26.18%	-9.46%
1 year	+51.83%	+10.70%
5 years(CAGR)	+5.75%	+10.34%
10 years(CAGR)	+9.01%	+17.99%
Max(CAGR)	+6.32%	+5.62%

WSBF

+9.70%

Winner

TCI

+24.35%

WSBF

+12.29%

Winner

TCI

+46.36%

Winner

WSBF

+26.18%

TCI

-9.46%

Winner

WSBF

+51.83%

TCI

+10.70%

5Y(CAGR)

WSBF

+5.75%

Winner

TCI

+10.34%

10Y(CAGR)

WSBF

+9.01%

Winner

TCI

+17.99%

Max(CAGR)

Winner

WSBF

+6.32%

TCI

+5.62%

WSBF vs TCI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	WSBF	TCI
2026	+25.95%	-15.38%
2025	+32.10%	+95.07%
2024	+0.08%	-16.05%
2023	-14.51%	-21.11%
2022	-16.42%	+10.62%
2021	+24.78%	+64.42%
2020	+7.67%	-39.45%
2019	+20.35%	+42.43%
2018	+3.40%	-12.13%
2017	-3.47%	+155.67%
2016	+34.85%	+19.23%
2015	+9.96%	+0.00%
2014	+32.45%	+14.19%
2013	+36.87%	+117.51%
2012	+306.26%	+145.20%
2011	-42.02%	-75.78%
2010	+37.71%	-43.61%
2009	-40.41%	+1.36%
2008	-73.41%	-26.66%
2007	-27.94%	+18.47%
2006	+54.15%	-16.52%
2005	+1.69%	+15.95%
2004	N/A	-15.68%
2003	N/A	-5.16%
2002	N/A	+10.25%
2001	N/A	+82.12%
2000	N/A	-25.64%
1999	N/A	+3.82%

WSBF vs TCI Drawdown Comparison

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

The maximum drawdown for TCI was -92.97%, occurring on Dec 29, 2011. Recovery took 3012 trading sessions.

The current TCI drawdown is -15.38%.

Rank	WSBF	TCI
#1	-90.63% Sep 18, 2006 - Aug 11, 2016	-92.97% Jun 15, 2005 - Jun 2, 2017
#2	-51.09% Jan 6, 2022 - Jan 22, 2026	-68.99% May 11, 2018 - Dec 15, 2025
#3	-33.12% Dec 17, 2019 - Nov 16, 2020	-49.24% Jul 5, 2002 - Jun 7, 2005
#4	-16.14% Oct 27, 2017 - Oct 24, 2019	-48.44% Sep 29, 2000 - Oct 24, 2001
#5	-11.30% Jun 9, 2017 - Sep 27, 2017	-43.81% Jan 2, 2026 - Mar 20, 2026
#6	-10.58% Oct 6, 2005 - Nov 30, 2005	-29.40% Jul 6, 2017 - Oct 27, 2017
#7	-8.79% Dec 9, 2016 - Feb 16, 2017	-26.66% Dec 18, 2017 - Mar 5, 2018
#8	-8.59% Feb 16, 2017 - Apr 24, 2017	-22.62% Apr 3, 2000 - Jul 3, 2000
#9	-7.97% Jun 30, 2006 - Aug 29, 2006	-15.85% Jan 5, 2000 - Apr 3, 2000
#10	-7.19% Jan 22, 2026 - Jan 29, 2026	-15.03% Mar 9, 2018 - Apr 16, 2018
#11	-7.18% Apr 12, 2021 - Aug 6, 2021	-13.46% Apr 18, 2018 - May 11, 2018
#12	-6.98% Feb 2, 2026 - Apr 9, 2026	-11.89% Dec 1, 2017 - Dec 14, 2017
#13	-6.33% May 3, 2017 - Jun 9, 2017	-9.77% Nov 7, 2017 - Nov 29, 2017
#14	-6.07% Nov 12, 2021 - Jan 4, 2022	-8.78% Jul 3, 2000 - Jul 28, 2000
#15	-5.91% Jan 14, 2021 - Feb 10, 2021	-8.68% Jun 9, 2017 - Jun 29, 2017

Correlation

Correlation between WSBF and TCI is 0.86 which considered as a strong positive correlation - the stocks tend to move together.

0.86

-101

Dividend Comparison (1999 - 2026)

WSBF vs TCI dividend yield comparison.

Year	WSBF	TCI
2026	1.57%	0.00%
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%
2000	0.00%	6.08%
1999	0.00%	1.19%