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Waterstone Financial (WSBF)
NASDAQ:WSBF
US Market
WSBF
Waterstone Financial
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Waterstone Financial (WSBF) Ratios

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Waterstone Financial Ratios

WSBF's free cash flow for Q4 2025 was $0.75. For the 2025 fiscal year, WSBF's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.14 0.12 0.16 0.21
Quick Ratio
 0.00 0.14 0.12 0.16 0.21
Cash Ratio
 0.00 0.04 0.02 0.02 0.03
Solvency Ratio
 0.02 0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 0.03 -0.02 0.15
Short-Term Operating Cash Flow Coverage
 0.00 0.09 0.16 -0.09 1.11
Net Current Asset Value
$ -1.86B$ -1.68B$ -1.68B$ -1.63B$ -1.37B
Leverage Ratios
Debt-to-Assets Ratio
 0.18 0.18 0.20 0.21 0.19
Debt-to-Equity Ratio
 1.19 1.18 1.32 1.35 1.04
Debt-to-Capital Ratio
 0.54 0.54 0.57 0.58 0.51
Long-Term Debt-to-Capital Ratio
 0.54 0.35 0.31 0.31 0.35
Financial Leverage Ratio
 6.47 6.47 6.52 6.43 5.48
Debt Service Coverage Ratio
 0.50 0.09 0.06 0.04 0.12
Interest Coverage Ratio
 0.64 0.56 0.36 0.23 1.84
Debt to Market Cap
 1.26 1.40 1.79 1.62 1.02
Interest Debt Per Share
 27.10 26.44 27.67 25.55 18.28
Net Debt to EBITDA
 10.28 10.42 15.53 30.38 12.30
Profitability Margins
Gross Profit Margin
72.37%71.24%66.48%71.94%91.66%
EBIT Margin
17.94%16.59%12.04%6.23%14.31%
EBITDA Margin
17.59%16.59%13.28%8.10%16.67%
Operating Profit Margin
17.94%16.59%12.04%6.23%14.31%
Pretax Profit Margin
17.94%16.59%12.04%6.23%14.31%
Net Profit Margin
14.19%13.10%9.37%5.30%11.39%
Continuous Operations Profit Margin
14.19%13.10%9.37%5.30%11.39%
Net Income Per EBT
79.11%78.94%77.86%84.98%79.61%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.30%1.17%0.85%0.42%0.96%
Return on Equity (ROE)
8.48%7.56%5.51%2.72%5.26%
Return on Capital Employed (ROCE)
1.65%5.57%4.34%1.55%3.79%
Return on Invested Capital (ROIC)
1.30%3.21%2.20%0.92%2.34%
Return on Tangible Assets
1.30%1.17%0.85%0.42%0.96%
Earnings Yield
9.34%8.94%7.49%3.28%5.17%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 10.74 10.69 10.28 8.85 8.10
Asset Turnover
 0.09 0.09 0.09 0.08 0.08
Working Capital Turnover Ratio
 -0.30 -0.14 -0.15 -0.15 -0.20
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 0.10 1.07 2.59 -1.37 9.44
Free Cash Flow Per Share
 0.03 1.00 2.53 -1.40 9.41
CapEx Per Share
 0.07 0.07 0.06 0.03 0.03
Free Cash Flow to Operating Cash Flow
 0.28 0.94 0.98 1.03 1.00
Dividend Paid and CapEx Coverage Ratio
 0.14 1.59 3.89 -1.72 6.68
Capital Expenditure Coverage Ratio
 1.39 16.33 43.73 -39.40 294.81
Operating Cash Flow Coverage Ratio
 <0.01 0.05 0.11 -0.06 0.53
Operating Cash Flow to Sales Ratio
 <0.01 0.09 0.24 -0.16 1.21
Free Cash Flow Yield
0.14%6.05%18.83%-9.88%54.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.71 11.18 13.35 30.53 19.36
Price-to-Sales (P/S) Ratio
 1.59 1.46 1.25 1.62 2.21
Price-to-Book (P/B) Ratio
 0.90 0.84 0.74 0.83 1.02
Price-to-Free Cash Flow (P/FCF) Ratio
 692.06 16.53 5.31 -10.12 1.83
Price-to-Operating Cash Flow Ratio
 186.84 15.52 5.19 -10.38 1.83
Price-to-Earnings Growth (PEG) Ratio
 0.17 0.24 0.12 -0.65 -0.28
Price-to-Fair Value
 0.90 0.84 0.74 0.83 1.02
Enterprise Value Multiple
 19.31 19.24 24.95 50.35 25.54
Enterprise Value
 703.00M 643.61M 660.45M 721.63M 728.11M
EV to EBITDA
 19.31 19.24 24.95 50.35 25.54
EV to Sales
 3.40 3.19 3.31 4.08 4.26
EV to Free Cash Flow
 1.48K 36.04 14.06 -25.52 3.54
EV to Operating Cash Flow
 417.71 33.84 13.74 -26.17 3.52
Tangible Book Value Per Share
 20.04 19.59 18.24 16.98 16.77
Shareholders’ Equity Per Share
 20.04 19.59 18.28 17.07 16.93
Tax and Other Ratios
Effective Tax Rate
 0.21 0.21 0.22 0.15 0.20
Revenue Per Share
 11.91 11.30 10.74 8.78 7.82
Net Income Per Share
 1.69 1.48 1.01 0.47 0.89
Tax Burden
 0.79 0.79 0.78 0.85 0.80
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.02 0.03 0.42 0.48 0.58
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 0.06 0.72 2.57 -2.94 10.61
Currency in USD