Compare

Waterstone Financial, Inc. vs First Northern Community Bancorp vs Citizens Community Bancorp Inc. vs Ponce Financial Group, Inc.

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

Latest fiscal year	Waterstone Financial, Inc. WSBF	First Northern Community Bancorp FNRN	Citizens Community Bancorp Inc. CZWI	Ponce Financial Group, Inc. PDLB
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	n/a	n/a
Revenue growth (YoY)	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Operating margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
Net income	$26.40M	$21.13M	$14.42M	$28.70M
EPS (Diluted)	$1.48	$1.27	$1.46	$1.20
Operating cash flow	$24.18M	$6.90M	$11.69M	$55.59M
Free cash flow	$23.02M	$5.20M	$10.38M	$54.62M
Cash & equivalents	n/a	$145.55M	$118.85M	$126.15M
Total assets	$2.26B	$1.91B	$1.78B	$3.22B
Total liabilities	$1.91B	$1.70B	$1.59B	$2.68B
Shareholders' equity	$349.39M	$212.02M	$187.94M	$541.55M
Return on year-end equity	7.6%	10.0%	7.7%	5.3%
Shares outstanding	18.36M	16.41M	9.62M	24.14M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Waterstone Financial, Inc.	First Northern Community Bancorp	Citizens Community Bancorp Inc.	Ponce Financial Group, Inc.
Latest	n/a	n/a	n/a	n/a
1 year earlier	n/a	n/a	n/a	n/a
2 years earlier	n/a	n/a	n/a	n/a
3 years earlier	n/a	n/a	n/a	n/a
4 years earlier	n/a	n/a	n/a	n/a