Federal Home Loan Bank Of Boston's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Federal Home Loan Bank Of Boston (FHLBBO) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Federal Home Loan Bank Of Boston vs Its Competitors
- TTM: Trailing 12-month revenue of 378M vs 31,112M combined for tracked competitors (1.2% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+1.2% annualized vs trailing 12 months), vs accelerating (+3.0%) for its tracked peer group.
- Growth: Federal Home Loan Bank Of Boston generated -4.4% revenue growth year over year in Q2 2026, vs -5.4% for its tracked competitors combined.
- Profitability: Its 47.3% net margin compares with 63.8% for the peer group.
- Peer revenue share: Federal Home Loan Bank Of Boston accounted for 1.2% of combined revenue among its tracked peer group, up from 1.2% a year earlier.
- Peer differentiation: Revenue per employee of $1.77M compares with $4.97M for the peer group (0.4x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FHLBBO Sales vs. its Competitors, Q2 2026
Federal Home Loan Bank Of Boston reported revenue contraction of 4.43 % year on year in Q2 2026, above its competitors' combined revenue change of -5.36 %.
With a net margin of 47.26 %, Federal Home Loan Bank Of Boston reported lower profitability than its competitors (63.77 %).
Federal Home Loan Bank Of Boston generated 1.18 % of the combined sales of its peer group, up from 1.17 % a year earlier.
Federal Home Loan Bank Of Boston vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Federal Home Loan Bank Of Boston reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Federal Home Loan Bank Of Boston and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Federal Home Loan Bank Of Boston | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Federal Home Loan Bank Of Boston's competitor groups requires a Commercial License.
For context: the Miscellaneous Financial Services industry grew revenue 304.0% year over year, combined, vs -4.4% for Federal Home Loan Bank Of Boston. Federal Home Loan Bank Of Boston's share of combined industry revenue moved from 0.12% to 0.03%, a loss of 0.09 percentage points.
Federal Home Loan Bank Of Boston's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Federal Home Loan Bank Of Boston | Yes | No | No | Yes |
| Competitors combined (14) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FHLBBO Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | S and t Bancorp Inc | 282.9% | Outperformed |
| 2 | Waterstone Financial Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Federal Home Loan Bank Of Boston's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Federal Home Loan Bank Of Boston's Comment on Competition and Industry Peers
Publicly Traded Peers of Federal Home Loan Bank Of Boston
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Federal Home Loan Bank Of Boston | - | 377.90 |
| Federal National Mortgage Association Fannie Mae | 21,980.89 | 30,982.00 |
| Federal Home Loan Mortgage Corporation | 11,060.28 | 23,534.00 |
| S and t Bancorp Inc | 1,759.47 | 404.69 |
| Federal Agricultural Mortgage Corporation | 1,532.95 | 410.77 |
| Waterstone Financial Inc | 337.15 | 150.48 |
| SUBTOTAL | 36,670.74 | 62,472.23 |
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Sources: Federal Home Loan Bank Of Boston's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Federal Home Loan Bank Of Boston versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Federal Home Loan Bank Of Boston's Competitors Named by the Company
Competitive relationships identified from Federal Home Loan Bank Of Boston reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Waterstone Financial Inc | Company report | 85% |
| Codorus Valley Bancorp Inc | Company report | 85% |
| S and t Bancorp Inc | Company report | 85% |
| Federal National Mortgage Association Fannie Mae | Company report | 85% |
| Federal Home Loan Bank Of Pittsburgh | Company report | 85% |
| Federal Home Loan Bank Of Indianapolis | Company report | 85% |
| Federal Home Loan Bank Of Des Moines | Company report | 85% |
| Federal Home Loan Bank Of Cincinnati | Company report | 85% |
| Federal Home Loan Bank Of Topeka | Company report | 85% |
| Federal Home Loan Bank Of Atlanta | Company report | 85% |
| Federal Home Loan Bank Of Dallas | Company report | 85% |
| Federal Home Loan Bank Of San Francisco | Company report | 85% |
| Federal Home Loan Mortgage Corporation | Company report | 85% |
| Federal Home Loan Bank Of Chicago | Company report | 85% |
Company report basis, confidence, active dates and source counts for Federal Home Loan Bank Of Boston's named competitors require a Commercial License.
Methodology: relationships are extracted from Federal Home Loan Bank Of Boston reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Federal Home Loan Bank Of Boston's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Federal Home Loan Bank Of Boston | - | 1,765,897 | 991,313 |
| Federal National Mortgage Association Fannie Mae | 21,981 | 77,261,845 | 35,967,581 |
| Federal Home Loan Mortgage Corporation | 11,060 | 3,199,728 | 1,760,163 |
| S and t Bancorp Inc | 1,759 | 334,728 | 116,331 |
| Federal Agricultural Mortgage Corporation | 1,533 | 1,937,585 | 1,080,193 |
| Waterstone Financial Inc | 337 | 253,759 | 50,755 |
| PEERS TOTAL | 36,671 | 4,965,957 | 2,621,633 |
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Federal Home Loan Bank Of Boston's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Miscellaneous Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (124 companies). See the full Miscellaneous Financial Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 63.51 % | 43.07 % (avg) | +20.4 pp |
| Operating Margin | - | industry median | - |
| EBITDA Margin | - | 6.76 % (avg) | - |
| Capital Intensity (Capex / Revenue) | - | 4.37 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Federal Home Loan Bank Of Boston's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2016 | 2018 | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -29.31 % | 13.97 % | -6.92 % | -24.02 % | -29.81 % | 31.80 % | 14.28 % | -11.82 % |
| Operating Margin | 68.46 % | 72.40 % | 68.42 % | 56.75 % | 46.71 % | 73.31 % | 72.41 % | 64.06 % |
| Return on Invested Capital | 0.31 % | 0.37 % | 0.37 % | 0.26 % | 0.21 % | 0.40 % | 0.44 % | 0.32 % |
| P/E | - | - | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Federal Home Loan Bank Of Boston's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 12.5 points above the industry aggregate.
Weaknesses
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- A meaningful share of tracked competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Federal Home Loan Bank Of Boston's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Federal Home Loan Bank Of Boston | 4.25 | 61.53 | 10.73 |
| Federal National Mortgage Association Fannie Mae | 1.52 | 353.24 | 1.24 |
| Federal Home Loan Mortgage Corporation | 0.04 | 111.77 | 13.68 |
| S and t Bancorp Inc | 0.04 | 2.09 | 0.16 |
| Federal Agricultural Mortgage Corporation | - | 0.59 | 6.84 |
| Waterstone Financial Inc | 0.05 | 1.91 | 1.22 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Federal Home Loan Bank Of Boston's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Federal Home Loan Bank Of Boston | Q2 2026 | -4.4 % | -3.8 % |
| Federal National Mortgage Association Fannie Mae | Q1 2026 | +3.0 % | +1.6 % |
| Federal Home Loan Mortgage Corporation | Q2 2026 | -10.6 % | +60.8 % |
| S and t Bancorp Inc | Q2 2026 | +6.1 % | +14.9 % |
| Federal Agricultural Mortgage Corporation | Q2 2026 | +24.3 % | +22.1 % |
| Waterstone Financial Inc | Q2 2026 | +5.2 % | +9.5 % |
| PEERS TOTAL | -1.5 % | +20.5 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Federal Home Loan Bank Of Boston's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Federal Home Loan Bank Of Boston | Q2 2026 | -51.9 % | - |
| Federal National Mortgage Association Fannie Mae | Q1 2026 | - | - |
| Federal Home Loan Mortgage Corporation | Q2 2026 | - | - |
| S and t Bancorp Inc | Q2 2026 | - | -28.8 % |
| Federal Agricultural Mortgage Corporation | Q2 2026 | -9.0 % | - |
| Waterstone Financial Inc | Q2 2026 | - | +130.5 % |
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Federal Home Loan Bank Of Boston's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Federal Home Loan Bank Of Boston | 0.29% | 0.29% | 5.45% |
| Federal National Mortgage Association Fannie Mae | 0.33% | 0.33% | 13.45% |
| Federal Home Loan Mortgage Corporation | 0.37% | 0.37% | 17.88% |
| S and t Bancorp Inc | 1.42% | 3.71% | 9.74% |
| Federal Agricultural Mortgage Corporation | 0.63% | 0.63% | 13.13% |
| Waterstone Financial Inc | 1.33% | 2.52% | 8.64% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Federal Home Loan Bank Of Boston's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Federal Home Loan Bank Of Boston | - | - |
| Federal National Mortgage Association Fannie Mae | 132.39 | 0.71 |
| Federal Home Loan Mortgage Corporation | - | 0.47 |
| S and t Bancorp Inc | 13.04 | 4.35 |
| Federal Agricultural Mortgage Corporation | 7.03 | 3.73 |
| Waterstone Financial Inc | 11.47 | 2.24 |
| PEERS AVERAGE | 1.11 | 0.59 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.