Waterstone Financial (47Z) AI Stock Analysis

Waterstone Financial

(Frankfurt:47Z)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Improving profitability and ROENet income and margins have meaningfully recovered versus the weak 2023–2024 period, with TTM net income and margin expansion indicating the franchise is translating revenue and cost dynamics into sustained earnings. This strengthens internal capital generation and supports reinvestment and payouts over the medium term.

Negative Factors

Material TTM revenue declineA sharp ~21.7% TTM revenue contraction signals reduced loan origination or fee activity, limiting the top-line base that drives net interest income and noninterest fees. Persisting revenue pressure constrains margin recovery and makes earnings gains harder to sustain without structural demand improvement.

Waterstone Financial (47Z) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 351.45M
Dividend Yield: 3.17%
Average Volume (3M): ―
Price to Earnings (P/E): 11.4
Beta (1Y): 0.34
Revenue Growth: -2.34%
EPS Growth: 43.01%
Country: Germany
Employees: 593
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Waterstone Financial Business Overview & Revenue Model

Company Description

Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA...

Waterstone Financial Risk Analysis

Waterstone Financial disclosed 47 risk factors in its most recent earnings report. Waterstone Financial reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

2 New Risks

1.Risk Related to Mortgage Banking OperationsQ2, 2026

2.The following risk factors applicable to the Company supplement those disclosed in “Risk Factors” in Item 1A of the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 and should be read in conjunction therewith.Q2, 2026

Waterstone Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:47Z against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLBC	81Outperform	$438.77M	10.42	15.86%	2.05%	24.22%	39.38%
CZFS	79Outperform	$410.52M	9.54	12.40%	2.37%	4.04%	26.08%
PCB	78Outperform	$410.80M	9.75	10.72%	2.94%	3.68%	23.37%
FNLC	69Neutral	$410.23M	10.24	13.69%	4.13%	2.06%	24.58%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSBW	64Neutral	$346.40M	11.32	9.14%	2.61%	5.90%	-7.04%

* Financial Sector Average

Performance Comparison

DE:47Z and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:47Z	Waterstone Financial	16.70	4.08	32.36%
FNLC	The First Bancorp Inc	36.35	12.67	53.49%
PLBC	Plumas	63.05	22.93	57.15%
FSBW	Fs Bancorp, Inc.	44.03	6.54	17.45%
CZFS	Citizens Financial Services	85.35	31.73	59.18%
PCB	PCB Bancorp	29.25	8.44	40.53%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Waterstone Financial AI Stock Analysis