Waterstone Financial (47Z) AI Stock Analysis

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Waterstone Financial

(Frankfurt:47Z)

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Action:N/A

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Positive Factors

Improving ProfitabilityThe sharp improvement in net margin indicates that recent earnings have become more productive, strengthening internal capital generation. If profitability remains near current levels, Waterstone can better support lending activity, absorb credit costs, and maintain strategic flexibility.

Negative Factors

Revenue ContractionThe decline in revenue signals weaker top-line momentum across the lending and banking franchise, even though margins have improved. Persistent contraction could limit future earnings growth and make profitability more dependent on efficiency or favorable business mix.

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

Market Cap: EUR 360.26M
Dividend Yield: 2.99%
Average Volume (3M): ―
Price to Earnings (P/E): 12.2
Beta (1Y): 0.36
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

1 New Risk

1.Risk Related to Mortgage Banking OperationsQ2, 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
PCB	81Outperform	$420.30M	9.96	10.72%	2.94%	3.68%	23.15%
FNLC	80Outperform	$415.25M	10.43	13.69%	4.05%	2.06%	24.55%
CZFS	78Outperform	$411.22M	9.51	12.40%	2.37%	4.04%	26.08%
PLBC	75Outperform	$436.65M	10.37	15.86%	2.10%	24.22%	39.38%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSBW	58Neutral	$340.31M	11.05	9.14%	2.70%	6.16%	-7.24%

* Financial Sector Average

Performance Comparison

DE:47Z and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:47Z	Waterstone Financial	17.70	4.79	37.15%
FNLC	The First Bancorp Inc	37.03	13.32	56.17%
PLBC	Plumas	62.75	22.18	54.67%
FSBW	Fs Bancorp, Inc.	43.00	5.11	13.50%
CZFS	Citizens Financial Services	85.15	32.96	63.15%
PCB	PCB Bancorp	29.97	9.52	46.57%

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