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WSBF Stock Chart & Stats
$17.02
-$0.09(-0.68%)
At close: 4:00 PM EST
$17.02
-$0.09(-0.68%)
Day’s Range― - ―
52-Week Range$13.08 - $21.03
Previous CloseN/A
Volume21.26K
Average Volume (3M)44.40K
Market Cap
$352.94M
Enterprise Value$718.55M
Total Cash (Recent Filing)$38.76M
Total Debt (Recent Filing)$413.03M
Price to Earnings (P/E)11.8
Beta0.51
Next Earnings
Jul 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.59%
Share Statistics
EPS (TTM)1.66
Shares Outstanding18,053,082
10 Day Avg. Volume62,806
30 Day Avg. Volume44,399
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.84
Price to Sales (P/S)1.46
P/FCF Ratio16.53
Enterprise Value/Market Cap2.04
Enterprise Value/Revenue3.47
Enterprise Value/Gross Profit4.80
Enterprise Value/Ebitda18.02
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Profitability ReboundA meaningful rebound in TTM profitability (net income and margins) strengthens internal capital generation and resilience. Sustained margins improve the bank’s ability to absorb credit losses, fund targeted growth or buybacks, and support ROE expansion if lending spreads and credit quality remain stable.
Expanded Share Repurchase AuthorizationA sizeable buyback authorization provides flexible capital-return options that can enhance long-term shareholder returns if executed prudently. It signals management confidence in capital adequacy and can offset diluted EPS from growth investments, supporting durable per-share metrics over time.
Improving Capital Efficiency (ROE)Rising ROE and a stable equity base indicate better returns on capital and more efficient use of shareholders' funds versus prior years. Improved capital efficiency helps fund growth internally and supports gradual balance-sheet optimization, beneficial over a multi-quarter horizon if performance sustains.
Bears Say
Weak Cash GenerationNegative and volatile operating and free cash flow despite positive earnings signals weak cash conversion and limited internal liquidity. This constrains funding for loan growth, buybacks, or cushions against credit stress, increasing reliance on external funding or reserve drawdowns over the coming quarters.
Meaningful Leverage And Mid‑Tier ReturnsModerate-to-elevated leverage raises sensitivity to credit and interest-rate cycles and can limit strategic flexibility. With ROE still only mid-tier, the balance of risk and return requires sustained earnings improvement to justify leverage and preserve capital buffers under stress scenarios.
Uneven, Modest Revenue GrowthModest and uneven revenue trends reduce predictability of earnings expansion and make planning harder. Reliance on loan volumes and mortgage activity can amplify cyclicality, limiting durable top-line momentum absent product diversification or a sustained pickup in core lending demand.
Waterstone Financial News
WSBF FAQ
What was Waterstone Financial’s price range in the past 12 months?
Waterstone Financial lowest stock price was $13.08 and its highest was $21.03 in the past 12 months.
What is Waterstone Financial’s market cap?
Waterstone Financial’s market cap is $352.94M.
When is Waterstone Financial’s upcoming earnings report date?
Waterstone Financial’s upcoming earnings report date is Jul 28, 2026 which is in 17 days.
How were Waterstone Financial’s earnings last quarter?
Waterstone Financial released its earnings results on Apr 23, 2026. The company reported $0.344 earnings per share for the quarter, beating the consensus estimate of N/A by $0.344.
Is Waterstone Financial overvalued?
According to Wall Street analysts Waterstone Financial’s price is currently Overvalued.
Does Waterstone Financial pay dividends?
Waterstone Financial pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 3.59%. See more information on Waterstone Financial dividends here
What is Waterstone Financial’s EPS estimate?
Waterstone Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Waterstone Financial have?
Waterstone Financial has 18,053,082 shares outstanding.
What happened to Waterstone Financial’s price movement after its last earnings report?
Waterstone Financial reported an EPS of $0.344 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.331%.
Which hedge fund is a major shareholder of Waterstone Financial?
Currently, no hedge funds are holding shares in WSBF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Waterstone Financial Stock Smart Score
Neutral
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5
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10
Blogger Sentiment
Bullish
WSBF Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 48.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $183.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.05%
12-Months-Change
Fundamentals
Return on Equity
8.48%
Trailing 12-Months
Asset Growth
3.49%
Trailing 12-Months
Company Description
Waterstone Financial
Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.
Technical Analysis
First Bancorp
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Plumas Bancorp
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FS Bancorp
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Citizens Financial Services
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PCB Bancorp
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Ownership Overview
3.97% Insiders
13.59% Mutual Funds
0.34% Other Institutional Investors
66.82% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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