18.29 USD
-0.15 (-0.81%)
At close: Jan 30, 2026
18.14 USD
-0.15 (-0.82%)
After Hours: 1/30/2026, 8:24:34 PM
Taking everything into account, WSBF scores 3 out of 10 in our fundamental rating. WSBF was compared to 97 industry peers in the Financial Services industry. WSBF scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. WSBF is valued expensive and it does not seem to be growing.
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
- The Return On Assets of WSBF (1.05%) is comparable to the rest of the 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
- With a decent Profit Margin value of 17.50%, WSBF is doing good in the industry, outperforming 68.04% of the companies in the same industry.
- WSBF's Profit Margin has declined in the last couple of years.
- WSBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- The number of shares outstanding for WSBF has been reduced compared to 1 year ago.
- The number of shares outstanding for WSBF has been reduced compared to 5 years ago.
- Compared to 1 year ago, WSBF has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of WSBF is 0.20, which is an excellent value as it means it would take WSBF, only 0.20 years of fcf income to pay off all of its debts.
- WSBF has a better Debt to FCF ratio (0.20) than 86.60% of its industry peers.
- WSBF has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
- WSBF has a better Debt to Equity ratio (0.03) than 83.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.45%
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.
- WSBF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.00% yearly.
- The Revenue has been growing slightly by 3.27% in the past year.
- Measured over the past years, WSBF shows a decrease in Revenue. The Revenue has been decreasing by -5.84% on average per year.
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
- A Price/Earnings ratio of 13.75 indicates a correct valuation of WSBF.
- The rest of the industry has a similar Price/Earnings ratio as WSBF.
- When comparing the Price/Earnings ratio of WSBF to the average of the S&P500 Index (28.30), we can say WSBF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.75 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- WSBF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WSBF is cheaper than 81.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.77 | ||
| 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 3.53%. 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 2.10. WSBF pays more dividend than 80.41% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, WSBF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
5.2 History
- The dividend of WSBF decreases each year by -11.96%.
- WSBF has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-11.96%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 45.57% of the earnings are spent on dividend by WSBF. 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
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 for WSBF stock?
ChartMill assigns a valuation rating of 3 / 10 to WATERSTONE FINANCIAL INC (WSBF). This can be considered as Overvalued.
What is the profitability of WSBF stock?
WATERSTONE FINANCIAL INC (WSBF) has a profitability rating of 3 / 10.
What is the financial health of WATERSTONE FINANCIAL INC (WSBF) stock?
The financial health rating of WATERSTONE FINANCIAL INC (WSBF) is 5 / 10.
Can you provide the dividend sustainability for WSBF stock?
The dividend rating of WATERSTONE FINANCIAL INC (WSBF) is 5 / 10 and the dividend payout ratio is 45.57%.