17.1 USD
+0.01 (+0.06%)
Overall WSBF gets a fundamental rating of 3 out of 10. We evaluated WSBF against 97 industry peers in the Financial Services industry. While WSBF seems to be doing ok healthwise, there are quite some concerns on its profitability. WSBF has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year WSBF was profitable.
WSBF had a positive operating cash flow in the past year.
Each year in the past 5 years WSBF has been profitable.
The reported operating cash flow has been mixed in the past 5 years: WSBF reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 1.05%, WSBF perfoms like the industry average, outperforming 48.45% of the companies in the same industry.
WSBF has a Return On Equity (6.92%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 6.92% | ||
| ROIC | N/A |
ROA(3y)0.74%
ROA(5y)1.83%
ROE(3y)4.5%
ROE(5y)9.9%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 17.50%, WSBF is in the better half of the industry, outperforming 67.01% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBF has declined.
The Operating Margin and Gross Margin are not available for WSBF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.5% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.42%
PM growth 5Y-6.8%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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 better debt/assets ratio than last year.
2.2 Solvency
WSBF has a debt to FCF ratio of 0.20. This is a very positive value and a sign of high solvency as it would only need 0.20 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.20, WSBF belongs to the best of the industry, outperforming 86.60% of the companies in the same industry.
A Debt/Equity ratio of 0.03 indicates that WSBF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.03, WSBF belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 83.95% over the past year.
Measured over the past years, WSBF shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.00% on average per year.
WSBF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.27%.
The Revenue has been decreasing by -5.84% on average over the past years.
EPS 1Y (TTM)83.95%
EPS 3Y-30.23%
EPS 5Y-6%
EPS Q2Q%74.99%
Revenue 1Y (TTM)3.27%
Revenue growth 3Y-19.4%
Revenue growth 5Y-5.84%
Sales Q2Q%8.72%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.86, which indicates a correct valuation of WSBF.
WSBF's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.55, WSBF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.86 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WSBF is valued cheaply inside the industry as 87.63% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
WSBF has a Yearly Dividend Yield of 3.90%. Purely for dividend investing, there may be better candidates out there.
WSBF's Dividend Yield is rather good when compared to the industry average which is at 2.16. WSBF pays more dividend than 84.54% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, WSBF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
5.2 History
The dividend of WSBF decreases each year by -11.96%.
WSBF has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-11.96%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
WSBF pays out 45.57% of its income as dividend. This is a bit on the high side, but may be sustainable.
The Dividend Rate of WSBF has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP45.57%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:WSBF (12/16/2025, 2:15:53 PM)
17.1
+0.01 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners50.55%
Inst Owner Change-1.1%
Ins Owners6.24%
Ins Owner Change-7.89%
Market Cap315.67M
Revenue(TTM)136.59M
Net Income(TTM)23.90M
Analysts43.33
Price TargetN/A
Short Float %0.96%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Yearly Dividend0.57
Dividend Growth(5Y)-11.96%
DP45.57%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.86 | ||
| Fwd PE | N/A | ||
| P/S | 2.31 | ||
| P/FCF | 7.26 | ||
| P/OCF | 7.1 | ||
| P/B | 0.91 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.33
EY7.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.35
FCFY13.77%
OCF(TTM)2.41
OCFY14.08%
SpS7.4
BVpS18.72
TBVpS18.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number23.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 6.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.5% | ||
| GM | N/A | ||
| FCFM | 31.82% |
ROA(3y)0.74%
ROA(5y)1.83%
ROE(3y)4.5%
ROE(5y)9.9%
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 3Y-20.42%
PM growth 5Y-6.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 39.63% | ||
| Cap/Sales | 0.71% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 181.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.69%
ROIC/WACCN/A
Cap/Depr(3y)27.71%
Cap/Depr(5y)23.58%
Cap/Sales(3y)0.59%
Cap/Sales(5y)0.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)83.95%
EPS 3Y-30.23%
EPS 5Y-6%
EPS Q2Q%74.99%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.27%
Revenue growth 3Y-19.4%
Revenue growth 5Y-5.84%
Sales Q2Q%8.72%
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-2.32%
FCF growth 3Y-32.65%
FCF growth 5YN/A
OCF growth 1Y-1.02%
OCF growth 3Y-32.24%
OCF growth 5YN/A
WATERSTONE FINANCIAL INC / WSBF FAQ
Can you provide the ChartMill fundamental rating for WATERSTONE FINANCIAL INC?
ChartMill assigns a fundamental rating of 3 / 10 to WSBF.
What is the valuation status of WATERSTONE FINANCIAL INC (WSBF) stock?
ChartMill assigns a valuation rating of 3 / 10 to WATERSTONE FINANCIAL INC (WSBF). This can be considered as Overvalued.
How profitable is WATERSTONE FINANCIAL INC (WSBF) stock?
WATERSTONE FINANCIAL INC (WSBF) has a profitability rating of 3 / 10.
How financially healthy is WATERSTONE FINANCIAL INC?
The financial health rating of WATERSTONE FINANCIAL INC (WSBF) is 5 / 10.