Waterstone Financial(WSBF)
$20.08-0.08 (-0.40%)
WSBF
Waterstone Financial financials statements
$20.08
At close:-0.08 (-0.40%)
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Waterstone Financial (WSBF) Ratios
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Waterstone Financial Ratios
WSBF's free cash flow for Q2 2026 was $9.37M. For the 2026 fiscal year, WSBF's free cash flow was decreased by $-136.00K and operating cash flow was $9.50M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.14 | 0.12 | 0.16 | 0.21 | 0.47 |
| Quick Ratio | 0.14 | 0.12 | 0.16 | 0.21 | 0.47 |
| Cash Ratio | 0.04 | 0.02 | 0.02 | 0.03 | 0.29 |
| Solvency Ratio | 0.02 | 0.01 | 0.01 | 0.01 | 0.04 |
| Operating Cash Flow Ratio | 0.01 | 0.03 | -0.02 | 0.15 | 0.11 |
| Short-Term Operating Cash Flow Coverage | 0.11 | 0.16 | -0.09 | 1.11 | 19.93 |
| Net Current Asset Value | $ -1.68B | $ -1.68B | $ -1.63B | $ -1.37B | $ -1.20B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.18 | 0.20 | 0.21 | 0.19 | 0.22 |
| Debt-to-Equity Ratio | 1.18 | 1.32 | 1.35 | 1.04 | 1.10 |
| Debt-to-Capital Ratio | 0.54 | 0.57 | 0.58 | 0.51 | 0.52 |
| Long-Term Debt-to-Capital Ratio | 0.35 | 0.31 | 0.31 | 0.35 | 0.52 |
| Financial Leverage Ratio | 6.47 | 6.52 | 6.43 | 5.48 | 5.12 |
| Debt Service Coverage Ratio | 0.10 | 0.06 | 0.04 | 0.12 | 3.58 |
| Interest Coverage Ratio | 0.56 | 0.36 | 0.23 | 1.84 | 6.41 |
| Debt to Market Cap | 1.40 | 1.79 | 1.62 | 1.02 | 0.92 |
| Interest Debt Per Share | 26.44 | 27.67 | 25.55 | 18.28 | 20.70 |
| Net Debt to EBITDA | 9.68 | 15.53 | 30.38 | 12.30 | 1.17 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.24% | 66.48% | 71.94% | 91.66% | 96.13% |
| EBIT Margin | 16.59% | 12.04% | 6.23% | 14.31% | 34.31% |
| EBITDA Margin | 17.85% | 13.28% | 8.10% | 16.67% | 36.56% |
| Operating Profit Margin | 16.59% | 12.04% | 6.23% | 14.31% | 34.31% |
| Pretax Profit Margin | 16.59% | 12.04% | 6.23% | 14.31% | 34.31% |
| Net Profit Margin | 13.10% | 9.37% | 5.30% | 11.39% | 26.37% |
| Continuous Operations Profit Margin | 13.10% | 9.37% | 5.30% | 11.39% | 26.37% |
| Net Income Per EBT | 78.94% | 77.86% | 84.98% | 79.61% | 76.86% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.17% | 0.85% | 0.42% | 0.96% | 3.19% |
| Return on Equity (ROE) | 7.56% | 5.51% | 2.72% | 5.26% | 16.36% |
| Return on Capital Employed (ROCE) | 5.57% | 4.34% | 1.55% | 3.79% | 9.44% |
| Return on Invested Capital (ROIC) | 3.21% | 2.20% | 0.92% | 2.34% | 7.21% |
| Return on Tangible Assets | 1.17% | 0.85% | 0.42% | 0.96% | 3.20% |
| Earnings Yield | 8.94% | 7.49% | 3.28% | 5.17% | 13.64% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.69 | 10.28 | 8.85 | 8.10 | 12.05 |
| Asset Turnover | 0.09 | 0.09 | 0.08 | 0.08 | 0.12 |
| Working Capital Turnover Ratio | -0.14 | -0.15 | -0.15 | -0.20 | -0.34 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.36 | 2.59 | -1.37 | 9.44 | 5.98 |
| Free Cash Flow Per Share | 1.29 | 2.53 | -1.40 | 9.41 | 5.95 |
| Dividend Paid and CapEx Coverage Ratio | 2.03 | 3.89 | -1.72 | 6.68 | 4.56 |
| Capital Expenditure Coverage Ratio | 20.76 | 43.73 | -39.40 | 294.81 | 182.53 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.11 | -0.06 | 0.53 | 0.30 |
| Operating Cash Flow to Sales Ratio | 0.12 | 0.24 | -0.16 | 1.21 | 0.53 |
| Free Cash Flow Yield | 7.80% | 18.83% | -9.88% | 54.59% | 27.21% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.18 | 13.31 | 30.53 | 19.36 | 7.33 |
| Price-to-Sales (P/S) Ratio | 1.46 | 1.25 | 1.62 | 2.21 | 1.93 |
| Price-to-Book (P/B) Ratio | 0.84 | 0.74 | 0.83 | 1.02 | 1.20 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.82 | 5.31 | -10.12 | 1.83 | 3.67 |
| Price-to-Operating Cash Flow Ratio | 12.21 | 5.19 | -10.38 | 1.83 | 3.65 |
| Price-to-Earnings Growth (PEG) Ratio | 0.24 | 0.12 | -0.65 | -0.28 | -0.72 |
| Enterprise Value Multiple | 17.88 | 24.95 | 50.35 | 25.54 | 6.45 |
| Enterprise Value | 643.61M | 660.45M | 721.63M | 728.11M | 633.36M |
| EV to EBITDA | 17.88 | 24.95 | 50.35 | 25.54 | 6.45 |
| EV to Sales | 3.19 | 3.31 | 4.08 | 4.26 | 2.36 |
| EV to Free Cash Flow | 27.96 | 14.06 | -25.52 | 3.54 | 4.48 |
| EV to Operating Cash Flow | 26.61 | 13.74 | -26.17 | 3.52 | 4.46 |
| Tangible Book Value Per Share | 19.59 | 18.24 | 16.98 | 16.77 | 18.16 |
| Shareholders’ Equity Per Share | 19.59 | 18.28 | 17.07 | 16.93 | 18.23 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.22 | 0.15 | 0.20 | 0.23 |
| Revenue Per Share | 11.30 | 10.74 | 8.78 | 7.82 | 11.31 |
| Net Income Per Share | 1.48 | 1.01 | 0.47 | 0.89 | 2.98 |
| Tax Burden | 0.79 | 0.78 | 0.85 | 0.80 | 0.77 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.03 | 0.42 | 0.48 | 0.58 | 0.50 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.92 | 2.57 | -2.94 | 10.61 | 2.01 |
Currency in USD
