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Waterstone Financial (WSBF)
NASDAQ:WSBF
Total Valuation
Waterstone Financial has a market cap or net worth of $285.60M. The enterprise value is $651.18M.
Market Cap$285.60M
Enterprise Value$651.18M
Share Statistics
Waterstone Financial has 18,679,165 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding18,679,165
Owned by Insiders1.60%
Owned by Institutions4.86%
Financial Efficiency
Waterstone Financial’s return on equity (ROE) is 0.06 and return on invested capital (ROIC) is 3.15%.
Return on Equity (ROE)0.06
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.15%
Return on Capital Employed (ROCE)0.06
Revenue Per Employee332.30K
Profits Per Employee31.15K
Employee Count600
Asset Turnover0.09
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Waterstone Financial is 13.4. Waterstone Financial’s PEG ratio is 0.12.
PE Ratio13.4
PS Ratio1.25
PB Ratio0.74
Price to Fair Value0.74
Price to FCF5.31
Price to Operating Cash Flow3.28
PEG Ratio0.12
Income Statement
In the last 12 months, Waterstone Financial had revenue of 199.38M and earned 18.69M in profits. Earnings per share was 1.01.
Revenue199.38M
Gross Profit132.55M
Operating Income34.35M
Pretax Income24.00M
Net Income18.69M
EBITDA26.48M
Earnings Per Share (EPS)1.01
Cash Flow
In the last 12 months, operating cash flow was 85.81M and capital expenditures -872.00K, giving a free cash flow of 84.94M billion.
Operating Cash Flow85.81M
Free Cash Flow84.94M
Free Cash Flow per Share4.55
Dividends & Yields
Waterstone Financial pays an annual dividend of $0.15, resulting in a dividend yield of 3.92%
Dividend Per Share$0.15
Dividend Yield3.92%
Payout Ratio66.08%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.72
52-Week Price Change14.88%
50-Day Moving Average14.66
200-Day Moving Average13.47
Relative Strength Index (RSI)52.20
Average Volume (3m)62.96K
Important Dates
Waterstone Financial upcoming earnings date is Oct 28, 2025, TBA (Confirmed).
Last Earnings DateJul 22, 2025
Next Earnings DateOct 28, 2025
Ex-Dividend DateOct 08, 2025
Financial Position
Waterstone Financial as a current ratio of 0.12, with Debt / Equity ratio of 136.38%
Current Ratio0.12
Quick Ratio0.12
Debt to Market Cap1.79
Net Debt to EBITDA15.53
Interest Coverage Ratio0.51
Taxes
In the past 12 months, Waterstone Financial has paid 5.31M in taxes.
Income Tax5.31M
Effective Tax Rate0.22
Enterprise Valuation
Waterstone Financial EV to EBITDA ratio is 24.95, with an EV/FCF ratio of 14.06.
EV to Sales3.31
EV to EBITDA24.95
EV to Free Cash Flow14.06
EV to Operating Cash Flow13.74
Balance Sheet
Waterstone Financial has $281.94M in cash and marketable securities with $465.73M in debt, giving a net cash position of -$183.79M billion.
Cash & Marketable Securities$281.94M
Total Debt$465.73M
Net Cash-$183.79M
Net Cash Per Share-$9.84
Tangible Book Value Per Share$18.24
Margins
Gross margin is 48.09%, with operating margin of 17.23%, and net profit margin of 9.37%.
Gross Margin48.09%
Operating Margin17.23%
Pretax Margin12.04%
Net Profit Margin9.37%
EBITDA Margin13.28%
EBIT Margin12.04%
Analyst Forecast
The average price target for Waterstone Financial is $17.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$17.00
Price Target Upside11.18% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast1.46%
EPS Growth Forecast80.94%