WATERSTONE FINANCIAL INC (WSBF) Fundamental Analysis & Valuation

NASDAQ:WSBF • US94188P1012

Current stock price

18.24 USD
+0.21 (+1.16%)
At close:
18.19 USD
-0.05 (-0.27%)
Pre-Market:

This WSBF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WSBF Profitability Analysis

1.1 Basic Checks

  • WSBF had positive earnings in the past year.
  • In the past year WSBF had a positive cash flow from operations.
  • In the past 5 years WSBF has always been profitable.
  • WSBF had a positive operating cash flow in 4 of the past 5 years.
WSBF Yearly Net Income VS EBIT VS OCF VS FCFWSBF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • WSBF has a Return On Assets (1.17%) which is in line with its industry peers.
  • The Return On Equity of WSBF (7.56%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.17%
ROE 7.56%
ROIC N/A
ROA(3y)0.81%
ROA(5y)1.32%
ROE(3y)5.26%
ROE(5y)7.48%
ROIC(3y)N/A
ROIC(5y)N/A
WSBF Yearly ROA, ROE, ROICWSBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 18.60%, WSBF is in the better half of the industry, outperforming 74.00% of the companies in the same industry.
  • WSBF's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for WSBF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.6%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.76%
PM growth 5Y-7.36%
GM growth 3YN/A
GM growth 5YN/A
WSBF Yearly Profit, Operating, Gross MarginsWSBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. WSBF Health Analysis

2.1 Basic Checks

  • WSBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, WSBF has less shares outstanding
  • Compared to 5 years ago, WSBF has less shares outstanding
  • WSBF has a worse debt/assets ratio than last year.
WSBF Yearly Shares OutstandingWSBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
WSBF Yearly Total Debt VS Total AssetsWSBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of WSBF is 0.27, which is an excellent value as it means it would take WSBF, only 0.27 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.27, WSBF belongs to the top of the industry, outperforming 89.00% of the companies in the same industry.
  • WSBF has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • WSBF has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. WSBF outperforms 85.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACCN/A
WACC10.69%
WSBF Yearly LT Debt VS Equity VS FCFWSBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WSBF Yearly Current Assets VS Current LiabilitesWSBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. WSBF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 47.43% over the past year.
  • WSBF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.84% yearly.
  • WSBF shows a small growth in Revenue. In the last year, the Revenue has grown by 4.76%.
  • The Revenue for WSBF have been decreasing by -13.76% on average. This is quite bad
EPS 1Y (TTM)47.43%
EPS 3Y18.41%
EPS 5Y-14.84%
EPS Q2Q%55.51%
Revenue 1Y (TTM)4.76%
Revenue growth 3Y-4.43%
Revenue growth 5Y-13.76%
Sales Q2Q%16.74%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
WSBF Yearly Revenue VS EstimatesWSBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
WSBF Yearly EPS VS EstimatesWSBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3

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2

4. WSBF Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.32, which indicates a correct valuation of WSBF.
  • Compared to the rest of the industry, the Price/Earnings ratio of WSBF is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 25.51. WSBF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.32
Fwd PE N/A
WSBF Price Earnings VS Forward Price EarningsWSBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSBF indicates a somewhat cheap valuation: WSBF is cheaper than 65.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.55
EV/EBITDA N/A
WSBF Per share dataWSBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. WSBF Dividend Analysis

5.1 Amount

  • WSBF has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.13, WSBF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, WSBF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.53%

5.2 History

  • The dividend of WSBF decreases each year by -13.90%.
  • WSBF has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-13.9%
Div Incr Years0
Div Non Decr Years0
WSBF Yearly Dividends per shareWSBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 40.78% of the earnings are spent on dividend by WSBF. This is a bit on the high side, but may be sustainable.
  • WSBF's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP40.78%
EPS Next 2YN/A
EPS Next 3YN/A
WSBF Yearly Income VS Free CF VS DividendWSBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
WSBF Dividend Payout.WSBF Dividend Payout, showing the Payout Ratio.WSBF Dividend Payout.PayoutRetained Earnings

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WSBF Fundamentals: All Metrics, Ratios and Statistics

WATERSTONE FINANCIAL INC

NASDAQ:WSBF (4/1/2026, 8:02:28 PM)

Premarket: 18.19 -0.05 (-0.27%)

18.24

+0.21 (+1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners51.05%
Inst Owner Change0.45%
Ins Owners5.76%
Ins Owner Change-18.5%
Market Cap334.89M
Revenue(TTM)141.92M
Net Income(TTM)26.40M
Analysts43.33
Price TargetN/A
Short Float %0.92%
Short Ratio2.46
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
Yearly Dividend0.57
Dividend Growth(5Y)-13.9%
DP40.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-08
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.32
Fwd PE N/A
P/S 2.36
P/FCF 14.55
P/OCF 13.85
P/B 0.96
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.48
EY8.11%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.25
FCFY6.87%
OCF(TTM)1.32
OCFY7.22%
SpS7.73
BVpS19.03
TBVpS18.97
PEG (NY)N/A
PEG (5Y)N/A
Graham Number25.17
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 7.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.6%
GM N/A
FCFM 16.22%
ROA(3y)0.81%
ROA(5y)1.32%
ROE(3y)5.26%
ROE(5y)7.48%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.76%
PM growth 5Y-7.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.27
Debt/EBITDA N/A
Cap/Depr 45.7%
Cap/Sales 0.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.69%
ROIC/WACCN/A
Cap/Depr(3y)37.11%
Cap/Depr(5y)28.43%
Cap/Sales(3y)0.72%
Cap/Sales(5y)0.58%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.43%
EPS 3Y18.41%
EPS 5Y-14.84%
EPS Q2Q%55.51%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.76%
Revenue growth 3Y-4.43%
Revenue growth 5Y-13.76%
Sales Q2Q%16.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-50.99%
FCF growth 3Y-51.83%
FCF growth 5YN/A
OCF growth 1Y-49.68%
OCF growth 3Y-51.09%
OCF growth 5YN/A

WATERSTONE FINANCIAL INC / WSBF Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for WATERSTONE FINANCIAL INC?

ChartMill assigns a fundamental rating of 3 / 10 to WSBF.


Can you provide the valuation status for WATERSTONE FINANCIAL INC?

ChartMill assigns a valuation rating of 2 / 10 to WATERSTONE FINANCIAL INC (WSBF). This can be considered as Overvalued.


Can you provide the profitability details for WATERSTONE FINANCIAL INC?

WATERSTONE FINANCIAL INC (WSBF) has a profitability rating of 3 / 10.


Can you provide the financial health for WSBF stock?

The financial health rating of WATERSTONE FINANCIAL INC (WSBF) is 4 / 10.