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WSBF Stock Chart & Stats
$20.06
$0.06(0.30%)
At close: 4:00 PM EDT
$20.06
$0.06(0.30%)
Day’s Range― - ―
52-Week Range$13.42 - $21.14
Previous Close$20.12
Volume65.73K
Average Volume (3M)44.40K
Market Cap
$370.45M
Enterprise Value$735.48
Total Cash (Recent Filing)$275.55M
Total Debt (Recent Filing)$412.00M
Price to Earnings (P/E)11.9
Beta0.55
Next Earnings
Oct 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.12%
Share Statistics
EPS (TTM)1.72
Shares Outstanding18,053,082
10 Day Avg. Volume62,806
30 Day Avg. Volume44,399
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.84
Price to Sales (P/S)1.46
P/FCF Ratio16.53
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
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.
Solid Recent Cash GenerationTTM operating and free cash flow near net income shows high earnings quality and the ability to convert profits into spendable cash. Reliable FCF supports loan origination funding, dividend/repurchase flexibility and balance-sheet repair, improving financial durability over coming quarters.
Shareholder Support For GovernanceBroad shareholder approval of directors, auditor ratification and say-on-pay indicates governance continuity and investor confidence in management and oversight. Stable governance reduces execution risk and helps maintain strategic consistency through multi-quarter planning and capital allocation decisions.
Bears Say
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.
Elevated Leverage For A Regional BankLeverage at ~1.17x increases sensitivity to interest and credit shocks and limits capital flexibility. For a regional bank, above-average debt-to-equity constrains capacity to absorb losses, pursue organic growth or opportunistic acquisitions without raising capital, making strategic moves more costly.
Historically Volatile Cash FlowsPronounced year-to-year swings, including negative cash flow in 2023, reduce predictability of funding and capital planning. Volatility complicates provisioning, dividend planning and loan growth pacing, increasing execution risk if market or credit conditions deteriorate over the next several quarters.
Waterstone Financial News
WSBF FAQ
What was Waterstone Financial’s price range in the past 12 months?
Waterstone Financial lowest stock price was $13.42 and its highest was $21.14 in the past 12 months.
What is Waterstone Financial’s market cap?
Waterstone Financial’s market cap is $370.45M.
When is Waterstone Financial’s upcoming earnings report date?
Waterstone Financial’s upcoming earnings report date is Oct 27, 2026 which is in 80 days.
How were Waterstone Financial’s earnings last quarter?
Waterstone Financial released its earnings results on Jul 23, 2026. The company reported $0.492 earnings per share for the quarter, beating the consensus estimate of N/A by $0.492.
Is Waterstone Financial overvalued?
According to Wall Street analysts Waterstone Financial’s price is currently Overvalued.
Does Waterstone Financial pay dividends?
Waterstone Financial pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 3.12%. See more information on Waterstone Financial dividends here
What is Waterstone Financial’s EPS estimate?
Waterstone Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Waterstone Financial have?
Waterstone Financial has 18,053,082 shares outstanding.
What happened to Waterstone Financial’s price movement after its last earnings report?
Waterstone Financial reported an EPS of $0.492 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 3.136%.
Which hedge fund is a major shareholder of Waterstone Financial?
Currently, no hedge funds are holding shares in WSBF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Waterstone Financial Stock Smart Score
Neutral
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10
Blogger Sentiment
Bullish
WSBF Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 48.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $183.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.05%
12-Months-Change
Fundamentals
Return on Equity
3.12%
Trailing 12-Months
Asset Growth
-0.17%
Trailing 12-Months
Company Description
Waterstone Financial
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. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.
Technical Analysis
First Bancorp
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Plumas Bancorp
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FS Bancorp
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Citizens Financial Services
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PCB Bancorp
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Ownership Overview
3.97% Insiders
13.59% Mutual Funds
0.57% Other Institutional Investors
66.36% Public Companies and
Individual Investors