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Waterstone Financial (WSBF)
NASDAQ:WSBF
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Waterstone Financial (WSBF) Stock Statistics & Valuation Metrics

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Total Valuation

Waterstone Financial has a market cap or net worth of $328.73M. The enterprise value is $699.73M.
Market Cap$328.73M
Enterprise Value$699.73M

Share Statistics

Waterstone Financial has 18,161,734 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding18,161,734
Owned by Insiders3.53%
Owned by Institutions0.59%

Financial Efficiency

Waterstone Financial’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 3.21%.
Return on Equity (ROE)0.08
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)3.21%
Return on Capital Employed (ROCE)0.06
Revenue Per Employee336.01K
Profits Per Employee44.00K
Employee Count600
Asset Turnover0.09
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Waterstone Financial is 13.1. Waterstone Financial’s PEG ratio is 0.24.
PE Ratio13.1
PS Ratio1.46
PB Ratio0.84
Price to Fair Value0.84
Price to FCF16.53
Price to Operating Cash Flow186.84
PEG Ratio0.24

Income Statement

In the last 12 months, Waterstone Financial had revenue of 201.61M and earned 26.40M in profits. Earnings per share was 1.48.
Revenue201.61M
Gross Profit143.63M
Operating Income33.45M
Pretax Income33.45M
Net Income26.40M
EBITDA33.45M
Earnings Per Share (EPS)1.48

Cash Flow

In the last 12 months, operating cash flow was 1.68M and capital expenditures -1.21M, giving a free cash flow of 475.00K billion.
Operating Cash Flow1.68M
Free Cash Flow475.00K
Free Cash Flow per Share0.03

Dividends & Yields

Waterstone Financial pays an annual dividend of $0.15, resulting in a dividend yield of 3.59%
Dividend Per Share$0.15
Dividend Yield3.59%
Payout Ratio45.35%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.57
52-Week Price Change52.14%
50-Day Moving Average17.90
200-Day Moving Average15.78
Relative Strength Index (RSI)59.82
Average Volume (3m)44.40K

Important Dates

Waterstone Financial upcoming earnings date is Jul 28, 2026, TBA (Confirmed).
Last Earnings DateApr 23, 2026
Next Earnings DateJul 28, 2026
Ex-Dividend Date

Financial Position

Waterstone Financial as a current ratio of 0.14, with Debt / Equity ratio of 118.62%
Current Ratio0.14
Quick Ratio0.14
Debt to Market Cap1.40
Net Debt to EBITDA10.42
Interest Coverage Ratio0.56

Taxes

In the past 12 months, Waterstone Financial has paid 7.04M in taxes.
Income Tax7.04M
Effective Tax Rate0.21

Enterprise Valuation

Waterstone Financial EV to EBITDA ratio is 19.24, with an EV/FCF ratio of 36.04.
EV to Sales3.19
EV to EBITDA19.24
EV to Free Cash Flow36.04
EV to Operating Cash Flow33.84

Balance Sheet

Waterstone Financial has $234.22M in cash and marketable securities with $412.26M in debt, giving a net cash position of -$178.03M billion.
Cash & Marketable Securities$234.22M
Total Debt$412.26M
Net Cash-$178.03M
Net Cash Per Share-$9.80
Tangible Book Value Per Share$19.59

Margins

Gross margin is 72.37%, with operating margin of 16.59%, and net profit margin of 13.10%.
Gross Margin72.37%
Operating Margin16.59%
Pretax Margin16.59%
Net Profit Margin13.10%
EBITDA Margin16.59%
EBIT Margin16.59%

Analyst Forecast

The average price target for Waterstone Financial is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast3.42%
EPS Growth Forecast63.88%

Scores

Smart Score4
AI Score