NBTB
Price
$39.61
Change
-$0.16 (-0.40%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
2.07B
69 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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NBTB vs WSBF

Header iconNBTB vs WSBF Comparison
Open Charts NBTB vs WSBFBanner chart's image
NBT Ban
Price$39.61
Change-$0.16 (-0.40%)
Volume$8.04K
Capitalization2.07B
Waterstone Financial
Price$15.29
Change+$0.10 (+0.66%)
Volume$1.25K
Capitalization282.21M
NBTB vs WSBF Comparison Chart in %
NBTB
Daily Signal:
Gain/Loss:
WSBF
Daily Signal:
Gain/Loss:
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VS
NBTB 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 NBTB is a Hold and WSBF is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (NBTB: $39.77 vs. WSBF: $15.29)
Brand notoriety: NBTB and WSBF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: NBTB: 87% vs. WSBF: 86%
Market capitalization -- NBTB: $2.07B vs. WSBF: $282.21M
NBTB [@Regional Banks] is valued at $2.07B. 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).

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

  • NBTB’s FA Score: 1 green, 4 red.
  • WSBF’s FA Score: 1 green, 4 red.
According to our system of comparison, NBTB 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.

NBTB’s TA Score shows that 4 TA indicator(s) are bullish while WSBF’s TA Score has 2 bullish TA indicator(s).

  • NBTB’s TA Score: 4 bullish, 4 bearish.
  • WSBF’s TA Score: 2 bullish, 8 bearish.
According to our system of comparison, NBTB is a better buy in the short-term than WSBF.

Price Growth

NBTB (@Regional Banks) experienced а -4.61% 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

NBTB is expected to report earnings on Jan 28, 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
NBTB($2.07B) has a higher market cap than WSBF($282M). NBTB has higher P/E ratio than WSBF: NBTB (13.17) vs WSBF (11.50). WSBF YTD gains are higher at: 18.960 vs. NBTB (-15.148). NBTB has more cash in the bank: 217M vs. WSBF (63.2M). NBTB has less debt than WSBF: NBTB (298M) vs WSBF (452M). NBTB has higher revenues than WSBF: NBTB (619M) vs WSBF (131M).
NBTBWSBFNBTB / WSBF
Capitalization2.07B282M734%
EBITDAN/AN/A-
Gain YTD-15.14818.960-80%
P/E Ratio13.1711.50115%
Revenue619M131M473%
Total Cash217M63.2M343%
Total Debt298M452M66%
FUNDAMENTALS RATINGS
NBTB vs WSBF: Fundamental Ratings
NBTB
WSBF
OUTLOOK RATING
1..100
7717
VALUATION
overvalued / fair valued / undervalued
1..100
49
Fair valued
27
Undervalued
PROFIT vs RISK RATING
1..100
4878
SMR RATING
1..100
1861
PRICE GROWTH RATING
1..100
7348
P/E GROWTH RATING
1..100
7191
SEASONALITY SCORE
1..100
5050

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.

WSBF's Valuation (27) in the Regional Banks industry is in the same range as NBTB (49). This means that WSBF’s stock grew similarly to NBTB’s over the last 12 months.

NBTB's Profit vs Risk Rating (48) in the Regional Banks industry is in the same range as WSBF (78). This means that NBTB’s stock grew similarly to WSBF’s over the last 12 months.

NBTB's SMR Rating (18) in the Regional Banks industry is somewhat better than the same rating for WSBF (61). This means that NBTB’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 NBTB (73). This means that WSBF’s stock grew similarly to NBTB’s over the last 12 months.

NBTB's P/E Growth Rating (71) in the Regional Banks industry is in the same range as WSBF (91). This means that NBTB’s stock grew similarly to WSBF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
NBTBWSBF
RSI
ODDS (%)
Bullish Trend 7 days ago
61%
Bearish Trend 2 days ago
62%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
57%
Bearish Trend 2 days ago
60%
Momentum
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
51%
MACD
ODDS (%)
Bearish Trend 2 days ago
58%
Bearish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
53%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 20 days ago
59%
Bullish Trend 9 days ago
59%
Declines
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 2 days ago
60%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
64%
Bearish Trend 2 days ago
52%
Aroon
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
50%
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NBTB
Daily Signal:
Gain/Loss:
WSBF
Daily Signal:
Gain/Loss:
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NBTB and

Correlation & Price change

A.I.dvisor indicates that over the last year, NBTB has been closely correlated with SBSI. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if NBTB jumps, then SBSI could also see price increases.

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1W
1M
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6M
1Y
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Ticker /
NAME
Correlation
To NBTB
1D Price
Change %
NBTB100%
-0.48%
SBSI - NBTB
87%
Closely correlated
+1.03%
HOPE - NBTB
87%
Closely correlated
+0.50%
STBA - NBTB
87%
Closely correlated
+0.99%
CATY - NBTB
86%
Closely correlated
+1.07%
ABCB - NBTB
85%
Closely correlated
+0.39%
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