Waterstone Financial, Inc. (WSBF)

NASDAQ: WSBF · USD

$19.7

-0.11 (-0.6%)· Recorded snapshot

Market cap	354.1M
Revenue (ttm)	150.5M
Net income (ttm)	30.1M
EPS (ttm)	$1.73
Shares out	18M
P/E (trailing)	11.4x
Dividend	$0.68 (3.45%)
Volume	29,231
Beta	0.74

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 150.5M
Net income (ttm): 30.1M
EPS (ttm): $1.73
P/E (trailing): 11.4x
Market cap: 354.1M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 8.7P50 10.4P75 12.8

Trailing P/E11.4

P25 10.7P50 13.5P75 31.8

ROE8.7

P25 4.9P50 11P75 15.4

ROICn/a

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All WSBF indicators

Market & fundamental data

Available fields

240

Groups with data

Currency

USD

Showing 240 of 240 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001569994
Company name	Waterstone Financial, Inc.
Country	United States
Country code	US
CUSIP number	94188P101
Earnings date	2026-11-10
Earnings time	amc
Employees	593
Employees change	-7
Employees growth	-1.17%
Enterprise value	$727.1M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1921
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US94188P1012
Last 10-K release date	2026-02-26
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split date	2014-01-23
Last stock split type	Forward
Market cap	$354.1M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$19.70
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-10-28
Symbol	WSBF
U.S. state	Wisconsin
Website	https://www.wsbonline.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	14.76x
Average P/E ratio (3Y)	17.04x
Average P/E ratio (5Y)	15.66x
Earnings yield	8.78%
EV/Earnings	24.18x
EV/FCF	17.01x
EV/Sales	4.84x
FCF / EV yield	5.88%
FCF yield	12.06%
Graham number	27.57698
Graham upside	39.77%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$8.65
Lynch upside	-56.15%
P/B ratio	1.01x
P/E ratio	11.39x
P/FCF ratio	8.29x
P/OCF ratio	7.93x
P/S ratio	2.36x
Price / tangible book value	1.01x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	20.97%
FCF margin	28.43%
Operating margin	25.13%
Pretax margin	25.31%
Profit margin	20%
Profit per employee	$50,755
Profitable quarters	10
Profitable years	14
Revenue per employee	$253,759
ROA	1.33%
ROA (5Y)	1.32%
ROE	8.69%
ROE (5Y)	7.47%
SBC / revenue	0.27%
Tax / revenue	5.31%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	53.05%
EPS growth (Q)	14.08%
EPS growth (QoQ)	44.12%
EPS growth 10Y	8.98%
EPS growth 3Y	42.97%
EPS growth 5Y	-14.93%
EPS growth quarters	6
EPS growth years	2
FCF growth	-49.64%
FCF growth 3Y	48.35%
FCF growth 5Y	-18.11%
Net income growth	45.39%
Net income growth (Q)	9.51%
Net income growth (QoQ)	41.1%
Net income growth 3Y	34.51%
Net income growth 5Y	-20.26%
Net income growth quarters	5
Net income growth years	2
OCF growth	-47.86%
OCF growth 10Y	8.37%
OCF growth 3Y	49.06%
OCF growth 5Y	-17.57%
Revenue growth	12.13%
Revenue growth (Q)	5.17%
Revenue growth (QoQ)	12.95%
Revenue growth 10Y	0.19%
Revenue growth 3Y	1.85%
Revenue growth 5Y	-13.49%
Revenue growth quarters	5
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-2M
EPS	$1.73
FCF per share	$2.38
Financing cash flow	$-43.8M
Free cash flow	$42.8M
Gross profit	$150.5M
Income taxes	$8M
Investing cash flow	$-33.7M
Net borrowing	$-53.7M
Net cash flow	$-32.7M
Net income	$30.1M
Operating income	$37.8M
Revenue	$150.5M
Stock-based compensation	$411,000

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$19.53
Debt / equity	1.2
Debt / FCF	9.83
Net cash (debt)	$-373M
Net cash / market cap	-105.17%
Net debt / equity	1.06
Net debt / FCF	8.72
Piotroski F-Score	4
Property, plant and equipment	$18.9M
Shareholders' equity	$351.1M
Tangible book value	$351.1M
Tangible book value per share	$19.53
Total assets	$2.3B
Total cash	$47.7M
Total debt	$420.7M
Total liabilities	$1.9B
WACC	3.81%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	4.44%
Dividend growth	10%
Dividend growth (10Y)	9.76%
Dividend growth (3Y)	-4.17%
Dividend growth (5Y)	-16.23%
Dividend growth years	0
Dividend payment date	2026-11-02
Dividend payment years	13
Dividend payout frequency	Quarterly
Dividend per share	$0.68
Dividend yield	3.45%
Ex-dividend date	2026-10-08
FCF payout ratio	28.57%
Last dividend	$0.17
Payout ratio	39.3%
Shareholder yield	7.88%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	19.52%
10Y return CAGR	7.64%
10Y total return	108.83%
150-day SMA	$19.61
15Y price change	740.63%
15Y return CAGR	19.99%
15Y total return	1,438.26%
1D price change	-0.56%
1M price change	-2.99%
1M total return	-2.14%
1W price change	-0.3%
1W total return	-0.3%
1Y price change	28.78%
1Y return CAGR	33.47%
1Y total return	33.44%
20-day SMA	$19.78
200-day SMA	$19.18
20Y price change	20.58%
20Y return CAGR	4.04%
20Y total return	120.66%
3M price change	-1.69%
3M total return	-0.83%
3Y price change	92.23%
3Y return CAGR	29.68%
3Y total return	118.12%
50-day SMA	$20.44
50-day SMA vs 200-day SMA	50over200
52-week high	$21.66
52-week high date	2026-09-11
52-week low	$15.05
52-week low date	2025-11-04
5Y price change	-3.28%
5Y return CAGR	4.35%
5Y total return	23.69%
6M price change	11.25%
6M total return	13.18%
All-time high	$22.74
All-time high date	2022-01-06
All-time low	$1.57
All-time low date	2012-01-13
Average true range (ATR)	$0.44
Average volume	59.8K
Beta (1Y)	-0.04
Beta (2Y)	0.44
Beta (5Y)	0.74
Change from 52-week high	-9.05%
Change from 52-week low	30.89%
Change from all-time high	-13.02%
Change from all-time low	1,162.28%
Change from open	-0.51%
Day's gap	-0.05%
Dollar volume	$575,851
High price	$19.80
Low price	$19.70
Monthly RSI	64.2
Open price	$19.80
Position in 52-week range	0%
Previous close	$19.81
Price vs 150-day SMA	0.87%
Price vs 20-day SMA	0.01%
Price vs 200-day SMA	3.14%
Price vs 50-day SMA	-3.21%
Relative volume	0.49
RSI	44.42
Sharpe ratio	1.27
Sharpe ratio (3Y)	0.98
Sharpe ratio (5Y)	0.15
Sortino ratio	2.39
Sortino ratio (3Y)	1.75
Sortino ratio (5Y)	0.45
Volume	29.2K
Weekly RSI	51.52
YTD price change	19.52%
YTD total return	23.84%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	15.7M
Float percentage	87.23%
Shares change (QoQ)	-1.41%
Shares change (YoY)	-4.44%
Shares held by insiders	6.92%
Shares held by institutions	49.38%
Shares outstanding	18M
Short % of float	2.39%
Short % of shares	2.09%
Short ratio	3.8 days

Deeper analysis on WSBF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this WSBF report

Is a complete WSBF research report available?

No complete published report is available for Waterstone Financial, Inc. (WSBF) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Waterstone Financial, Inc. (WSBF)

Price

Financial snapshot

Fair-value bridge

Latest news · WSBF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All WSBF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on WSBF

Frequently asked questions