Waterstone Financial (WSBF)
NASDAQ:WSBF
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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$12.49 - $18.88
Previous CloseN/A
Volume21.26K
Average Volume (3M)44.40K
Market Cap
$330.91M
Enterprise Value$705.19M
Total Cash (Recent Filing)$38.76M
Total Debt (Recent Filing)$413.03M
Price to Earnings (P/E)13.1
Beta0.57
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 Cap2.13
Enterprise Value/Revenue3.41
Enterprise Value/Gross Profit4.71
Enterprise Value/Ebitda19.37
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 ReboundSustained improvement in margins and TTM net income indicates the business is generating healthier core earnings from lending and fee businesses. Stronger operating profitability improves internal capital generation and buffers losses, supporting lending capacity and long-term franchise stability.
Improving ROE And Stable EquityA rising return on equity alongside a stable capital base signals more efficient use of shareholder capital. This enhances the bank’s ability to grow loans within regulatory capital constraints and maintain dividend or buyback programs without immediate need for external capital.
Expanded Buyback AuthorizationA sizable repurchase authorization gives management a durable capital-allocation tool to return capital and support EPS over time. If executed prudently, buybacks can enhance shareholder value and signal confidence in balance sheet strength amid strategic deployment flexibility.
Bears Say
Negative Operating Cash FlowNegative and volatile operating and free cash flow despite positive accounting earnings signals weak cash conversion from core activities. This constrains funding for loan growth, buybacks, dividends and increases reliance on deposits or wholesale funding over the medium term.
Moderate-to-Elevated LeverageMaterial leverage for a regional bank raises sensitivity to credit losses and interest-rate shifts, limiting flexibility. Meaningful debt levels make capital management and regulatory cushion more important and can restrain aggressive balance-sheet expansion during stress periods.
Uneven Revenue & Cash VolatilityInconsistent revenue growth and volatile historical cash flows reduce predictability of earnings and capital needs. That variability complicates planning for loan origination, provisioning and shareholder returns, making longer-term forecasting and risk management more challenging.
Waterstone Financial News
WSBF FAQ
What was Waterstone Financial’s price range in the past 12 months?
Waterstone Financial lowest stock price was $12.49 and its highest was $18.88 in the past 12 months.
What is Waterstone Financial’s market cap?
Waterstone Financial’s market cap is $330.91M.
When is Waterstone Financial’s upcoming earnings report date?
Waterstone Financial’s upcoming earnings report date is Jul 28, 2026 which is in 64 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 $0.15 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 -0.334%.
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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Blogger Sentiment
Bullish
WSBF Sentiment 100%
Sector Average ―
Sector Average ―
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. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. The company also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
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
13.63% Mutual Funds
6.00% Other Institutional Investors
62.30% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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