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Total Valuation
Waterstone Financial has a market cap or net worth of $370.45M. The enterprise value is $735.48.
Market Cap$370.45M
Enterprise Value$735.48
Share Statistics
Waterstone Financial has 18,053,082 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding18,053,082
Owned by Insiders3.97%
Owned by Institutions0.57%
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 Employee339.98K
Profits Per Employee44.52K
Employee Count593
Asset Turnover0.09
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Waterstone Financial is 11.9. Waterstone Financial’s PEG ratio is 0.24.
PE Ratio11.9
PS Ratio1.46
PB Ratio0.84
Price to Fair Value0.84
Price to FCF16.53
Price to Operating Cash Flow10.04
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
EBITDA35.99M
Earnings Per Share (EPS)1.48
Cash Flow
In the last 12 months, operating cash flow was 35.24M and capital expenditures -1.83M, giving a free cash flow of 33.41M billion.
Operating Cash Flow35.24M
Free Cash Flow33.41M
Free Cash Flow per Share1.85
Dividends & Yields
Waterstone Financial pays an annual dividend of $0.17, resulting in a dividend yield of 3.12%
Dividend Per Share$0.17
Dividend Yield3.12%
Payout Ratio37.10%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.55
52-Week Price Change59.83%
50-Day Moving Average19.38
200-Day Moving Average17.47
Relative Strength Index (RSI)57.81
Average Volume (3m)44.40K
Important Dates
Waterstone Financial upcoming earnings date is Oct 27, 2026, TBA (Confirmed).
Last Earnings DateJul 23, 2026
Next Earnings DateOct 27, 2026
Ex-Dividend Date―
Financial Position
Waterstone Financial as a current ratio of 0.14, with Debt / Equity ratio of 117.34%
Current Ratio0.14
Quick Ratio0.14
Debt to Market Cap1.40
Net Debt to EBITDA9.68
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 17.88, with an EV/FCF ratio of 36.04.
EV to Sales3.19
EV to EBITDA17.88
EV to Free Cash Flow36.04
EV to Operating Cash Flow33.84
Balance Sheet
Waterstone Financial has $275.55M in cash and marketable securities with $412.00M in debt, giving a net cash position of -$136.45M billion.
Cash & Marketable Securities$275.55M
Total Debt$412.00M
Net Cash-$136.45M
Net Cash Per Share-$7.56
Tangible Book Value Per Share$19.59
Margins
Gross margin is 65.42%, with operating margin of 16.59%, and net profit margin of 13.10%.
Gross Margin65.42%
Operating Margin16.59%
Pretax Margin16.59%
Net Profit Margin13.10%
EBITDA Margin17.85%
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 Forecast4.60%
EPS Growth Forecast52.13%