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Waterstone Financial (WSBF) Stock Price & Analysis

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WSBF Stock Chart & Stats

$19.86-$0.20(-1.00%)
At close: 4:00 PM EST
$20$21Aug 10Aug 24Sep 8Sep 21Oct 5Oct 19Nov 2
Day’s Range
$19.77 - $20.15
52-Week Range
$15.11 - $21.66
Previous Close
$20.06
Volume
N/A
Average Volume (3M)
58.13K
Market Cap
$357.02M
Enterprise Value
$735.48M
Total Cash (Recent Filing)
$275.55M
Total Debt (Recent Filing)
$412.00M
Price to Earnings (P/E)
11.9
Beta
0.43
Next Earnings
Jan 28, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Oct 08, 2026
Dividend Yield
3.32%

Bulls Say, Bears Say

Bulls Say

Profitability Recovery

The sharp improvement in net income and margin shows that profitability has recovered from the weaker 2023–2024 period. If maintained, stronger earnings can support capital formation, investment in the banking franchise, and greater resilience through changing credit and interest-rate conditions.

Current Cash Generation

Positive operating and free cash flow that closely tracks net income provides evidence that current earnings are converting into cash. This supports ongoing lending activity, capital needs, and shareholder distributions while reducing reliance on external funding to sustain operations.

Stable Equity And Improving Returns

Relatively stable equity gives the bank a durable capital base, while improving return on equity indicates that this base is being used more productively than in recent weaker periods. Together, these trends strengthen financial resilience and support measured balance-sheet growth.

Bears Say

Revenue Contraction

The substantial TTM revenue decline indicates that the recovery in bottom-line profitability is occurring despite weaker top-line performance. Continued revenue pressure could limit operating leverage, constrain future earnings growth, and make the improved margin profile harder to sustain.

Elevated Leverage

Moderate-to-elevated leverage remains a structural constraint for the regional bank. Higher reliance on debt can reduce financial flexibility, increase sensitivity to funding and credit conditions, and limit the capacity to absorb deterioration while continuing to expand the balance sheet.

Volatile Cash Flows

Although current cash generation is positive, the history of negative operating and free cash flow shows that conversion can vary materially across periods. Such volatility reduces confidence in the consistency of internally generated funds and complicates planning for lending, capital, and distributions.

Waterstone Financial News

WSBF FAQ

What was Waterstone Financial’s price range in the past 12 months?
Waterstone Financial lowest stock price was $15.11 and its highest was $21.66 in the past 12 months.
What is Waterstone Financial’s market cap?
Waterstone Financial’s market cap is $357.02M.
When is Waterstone Financial’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
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.
Is Waterstone Financial overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Waterstone Financial pay dividends?
Waterstone Financial pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 3.32%. 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 17,977,028 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. Following the earnings report the stock price went up 0.152%.
Which hedge fund is a major shareholder of Waterstone Financial?
Hedge funds hold Waterstone Financial shares: the largest hedge-fund position in Waterstone Financial is 71,887,092 shares, and hedge funds increased their holdings by 114.3K shares last quarter.
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