IBCP
Price
$30.35
Change
+$0.27 (+0.90%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
628M
63 days until earnings call
Intraday BUY SELL Signals
WSBF
Price
$15.29
Change
+$0.10 (+0.66%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
282.21M
75 days until earnings call
Intraday BUY SELL Signals
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IBCP vs WSBF

Header iconIBCP vs WSBF Comparison
Open Charts IBCP vs WSBFBanner chart's image
Independent Bank
Price$30.35
Change+$0.27 (+0.90%)
Volume$1.09K
Capitalization628M
Waterstone Financial
Price$15.29
Change+$0.10 (+0.66%)
Volume$1.25K
Capitalization282.21M
IBCP vs WSBF Comparison Chart in %
IBCP
Daily Signal:
Gain/Loss:
WSBF
Daily Signal:
Gain/Loss:
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VS
IBCP vs. WSBF commentary
Nov 20, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is IBCP is a Hold and WSBF is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (IBCP: $30.08 vs. WSBF: $15.29)
Brand notoriety: IBCP and WSBF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: IBCP: 121% vs. WSBF: 86%
Market capitalization -- IBCP: $628M vs. WSBF: $282.21M
IBCP [@Regional Banks] is valued at $628M. WSBF’s [@Regional Banks] market capitalization is $282.21M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

IBCP’s FA Score shows that 3 FA rating(s) are green whileWSBF’s FA Score has 1 green FA rating(s).

  • IBCP’s FA Score: 3 green, 2 red.
  • WSBF’s FA Score: 1 green, 4 red.
According to our system of comparison, IBCP is a better buy in the long-term than WSBF.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

IBCP’s TA Score shows that 3 TA indicator(s) are bullish while WSBF’s TA Score has 2 bullish TA indicator(s).

  • IBCP’s TA Score: 3 bullish, 5 bearish.
  • WSBF’s TA Score: 2 bullish, 8 bearish.
According to our system of comparison, IBCP is a better buy in the short-term than WSBF.

Price Growth

IBCP (@Regional Banks) experienced а -3.28% price change this week, while WSBF (@Regional Banks) price change was -1.61% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.96%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +11.33%.

Reported Earning Dates

IBCP is expected to report earnings on Jan 22, 2026.

WSBF is expected to report earnings on Feb 03, 2026.

Industries' Descriptions

@Regional Banks (-0.96% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
IBCP($628M) has a higher market cap than WSBF($282M). WSBF has higher P/E ratio than IBCP: WSBF (11.50) vs IBCP (9.34). WSBF YTD gains are higher at: 18.960 vs. IBCP (-9.953). IBCP has more cash in the bank: 74.4M vs. WSBF (63.2M). IBCP has less debt than WSBF: IBCP (181M) vs WSBF (452M). IBCP has higher revenues than WSBF: IBCP (216M) vs WSBF (131M).
IBCPWSBFIBCP / WSBF
Capitalization628M282M223%
EBITDAN/AN/A-
Gain YTD-9.95318.960-52%
P/E Ratio9.3411.5081%
Revenue216M131M165%
Total Cash74.4M63.2M118%
Total Debt181M452M40%
FUNDAMENTALS RATINGS
IBCP vs WSBF: Fundamental Ratings
IBCP
WSBF
OUTLOOK RATING
1..100
1117
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
27
Undervalued
PROFIT vs RISK RATING
1..100
2778
SMR RATING
1..100
2761
PRICE GROWTH RATING
1..100
7348
P/E GROWTH RATING
1..100
7691
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

IBCP's Valuation (27) in the Regional Banks industry is in the same range as WSBF (27). This means that IBCP’s stock grew similarly to WSBF’s over the last 12 months.

IBCP's Profit vs Risk Rating (27) in the Regional Banks industry is somewhat better than the same rating for WSBF (78). This means that IBCP’s stock grew somewhat faster than WSBF’s over the last 12 months.

IBCP's SMR Rating (27) in the Regional Banks industry is somewhat better than the same rating for WSBF (61). This means that IBCP’s stock grew somewhat faster than WSBF’s over the last 12 months.

WSBF's Price Growth Rating (48) in the Regional Banks industry is in the same range as IBCP (73). This means that WSBF’s stock grew similarly to IBCP’s over the last 12 months.

IBCP's P/E Growth Rating (76) in the Regional Banks industry is in the same range as WSBF (91). This means that IBCP’s stock grew similarly to WSBF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
IBCPWSBF
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
62%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
60%
Momentum
ODDS (%)
Bearish Trend 2 days ago
71%
Bearish Trend 2 days ago
51%
MACD
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
63%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 10 days ago
60%
Bullish Trend 9 days ago
59%
Declines
ODDS (%)
Bearish Trend 22 days ago
65%
Bearish Trend 2 days ago
60%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
64%
Bearish Trend 2 days ago
52%
Aroon
ODDS (%)
Bullish Trend 2 days ago
64%
Bearish Trend 2 days ago
50%
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IBCP
Daily Signal:
Gain/Loss:
WSBF
Daily Signal:
Gain/Loss:
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IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with SBSI. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if IBCP jumps, then SBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
+0.90%
SBSI - IBCP
86%
Closely correlated
+1.03%
BY - IBCP
85%
Closely correlated
+1.13%
CTBI - IBCP
85%
Closely correlated
+1.23%
MBWM - IBCP
85%
Closely correlated
+0.73%
BUSE - IBCP
85%
Closely correlated
+0.67%
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