Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

WSBF stock hub

Waterstone Financial, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

324.2M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

WSBF

In the news

Latest news · WSBF

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E11.3

P25 10.9P50 14.7P75 36.2

ROE8.5

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All WSBF market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

198

Groups with data

Currency

USD

Showing 198 of 198 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0001569994
Company name	Waterstone Financial, Inc.
Country	United States
Country code	US
Cusip	94188P101
Employees	593
Employees Change	-7%
Employees Change Percent	-1.17
Enterprise value	$692.6M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US94188P1012
Last refreshed	2026-05-10
Market cap	$324.2M
Market cap category	Small-Cap
Price	$18.72
Price currency	USD
Rev Per Employee	250,440.13x
Sector	Financials
Sic	6035
Symbol	WSBF
Website	https://www.wsbonline.com

Valuation

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

Metric	Value
Earnings Yield	9.06%
EV Earnings	23.59x
EV/Sales	4.66x
P/B ratio	0.93x
P/E ratio	11.29x
P/S ratio	2.18x
PE Ratio10 Y	14.99x
PE Ratio3 Y	18.26x
PE Ratio5 Y	15.32x

Profitability

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

Metric	Value
Gross Profit	$148.5M
Net Income	$29.4M
Net Income Growth	57.14%
Net Income Growth Q	97.53%
Net Income Growth Quarters	4%
Net Income Growth Years	2%
Net Income Growth3 Y	21.55%
Net Income Growth5 Y	-21.16%
Pretax Margin	24.99%
Profit Margin	19.77%
Profit Per Employee	$49,516
Profitable Years	14
ROA	1.33
Roa5y	1.32
ROE	8.52
Roe5y	7.47

Growth

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

Metric	Value
Cagr10y	8.74%
Cagr15y	18.38%
Cagr1y	58.81%
Cagr20y	4.75%
Cagr3y	15.66%
Cagr5y	4.2%
Div CAGR10	11.98%
Div CAGR3	-8.15%
Div CAGR5	-7.99%
EPS Growth	62.92
EPS Growth Q	104.6
EPS Growth Quarters	5
EPS Growth Years	2
EPS Growth3 Y	29.57
EPS Growth5 Y	-16.09
Revenue Growth	11.2x
Revenue Growth Q	17.19x
Revenue Growth Quarters	4x
Revenue Growth Years	2x
Revenue Growth3 Y	-0.7x
Revenue Growth5 Y	-14.19x

Financial strength

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

Metric	Value
Assets	$2.3B
Cash	$44.7M
Debt	$413M
Equity	$348.2M
Liabilities	$1.9B
Net Cash	$-368.4M
Net Cash By Market Cap	$-114
Net Debt Equity	$1.06
Tangible Book Value	$348.2M
Tangible Book Value Per Share	$20.04
WACC	3.65

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-1.2B

Dividends and buybacks

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

Metric	Value
Buyback Yield	4.05%
Dividend Growth	3.33%
Dividend Growth Years	0%
Dividend per share	$0.68
Dividend Years	13
Dividend Yield	3.63%
Ex Div Date	2026-04-08
Last Dividend	$0.17
Payout Frequency	Quarterly
Payout Ratio	37.41%

Performance and technicals

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

Metric	Value
10Y total return	131.13%
1Y total return	58.76%
200-day SMA	16.4
3Y total return	54.73%
50-day SMA	18.09
50-day SMA vs 200-day SMA	50over200
5Y total return	22.82%
All Time High	22.74
All Time High Change	-17.68%
All Time High Date	2022-01-06
All Time Low	1.57
All Time Low Change	1,094.64%
All Time Low Date	2012-01-13
ATR	0.43
Beta	0.73
Beta1y	0.43
Beta2y	0.57
Ch YTD	13.11
High	18.76
High52	18.88
High52 Date	2026-02-03
High52ch	-0.85%
Low	18.5
Low52	12.29
Low52 Date	2025-05-08
Low52ch	52.32%
Ma50ch	3.49%
Price vs 200-day SMA	14.18%
RSI	61.35
RSI Monthly	66.58
RSI Weekly	67.35
Sharpe ratio	1.93x
Sortino ratio	3.67
Total Return	7.68%
Tr YTD	15.21
Tr15y	1,156.73%
Tr1m	3.03%
Tr1w	3.43%
Tr3m	4.68%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$36.8M
Operating margin	24.79

Ownership and float

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

Metric	Value
Float	14,949,917%
Float Percent	86.32%
Shares Insiders	7.23%
Shares Institutions	46.98%
Shares Out	17,318,708
Shares Qo Q	-0.44%
Shares Yo Y	-4.05%
Short Float	1.1%
Short Ratio	1.99
Short Shares	0.95

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	64,037.55x
Bv Per Share	20.04
Ch10y	33.24
Ch15y	598.8
Ch1m	2.07
Ch1w	3.43
Ch1y	52.69
Ch20y	40.7
Ch3m	3.71
Ch3y	34.87
Ch5y	-6.59
Ch6m	22.67
Change	0.86%
Change From Open	1.08
Close	18.56
Days Gap	-0.22
Dollar Volume	911,720.2
Earnings Date	2026-04-23
Earnings Time	amc
EPS	$1.66
F Score	2
Fiscal Year End	December
Founded	1,921
Graham Number	27.33994
Graham Upside	46.05
Income Tax	$7.8M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Date	2014-01-23
Last Split Type	Forward
Last10k Filing Date	2026-02-26
Lynch Fair Value	$8.29
Lynch Upside	-55.73
Ma150	17.01
Ma150ch	10.09%
Ma20	18.23
Ma20ch	2.68%
Next Earnings Date	2026-07-21
Open	18.52
Optionable	Yes
Payment Date	2026-05-01
Position In Range	84.62
Ppne	19,273,000
Price Date	2026-05-08
Ptbv Ratio	0.93
Relative Volume	0.76x
Revenue	148,511,000x
Tax By Revenue	5.22x
Tax Rate	20.89%
Tr20y	153.07%
Tr6m	24.95%
Us State	Wisconsin
Volume	48,703

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

WSBF dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.6%

$0.68 annual per share

Payout ratio

+37.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-8.0%

0 consecutive years of growth

Total shareholder yield

+7.7%

Next ex-dividend date: 2026-04-08

Performance

WSBF stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns WSBF?

Insider, institutional, and short-interest positioning.

Institutional ownership

+47.0%

Float: +86.3% of shares outstanding

Insider ownership

+7.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

WSBF momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

61.3

Neutral momentum band

Price vs 200-day MA

+14.2%

50/200-day relationship not available

Beta (5Y)

0.73

Less volatile than the market

Sharpe ratio

1.93

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

WSBF vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	减持
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	减持
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	减持

Questions

About WSBF

Hub-level FAQ points readers to the deeper analysis pages.

What is the current WSBF stock rating?

Waterstone Financial, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full WSBF analysis?

The full report lives at /stocks/WSBF/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for WSBF?

The latest report frames WSBF around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the WSBF page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.