WSBF Fundamental Analysis - WATERSTONE FINANCIAL INC

Fundamental Rating

WSBF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 100 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 has a expensive valuation and it also scores bad on growth.

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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.

In multiple years WSBF reported negative operating cash flow during the last 5 years.

1.2 Ratios

WSBF has a Return On Assets (0.86%) which is comparable to the rest of the industry.

WSBF has a Return On Equity of 5.47%. This is in the lower half of the industry: WSBF underperforms 64.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.86%
ROE	5.47%
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

WSBF has a Profit Margin of 14.08%. This is in the better half of the industry: WSBF outperforms 61.00% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	14.08%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 1 year ago, WSBF has an improved debt to assets ratio.

2.2 Solvency

WSBF has a debt to FCF ratio of 0.14. This is a very positive value and a sign of high solvency as it would only need 0.14 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.14, WSBF belongs to the top of the industry, outperforming 91.00% of the companies in the same industry.

WSBF has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.

WSBF's Debt to Equity ratio of 0.03 is amongst the best of the industry. WSBF outperforms 87.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.14
Altman-Z	N/A

ROIC/WACCN/A

WACC9.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 95.79% 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.

WSBF shows a small growth in Revenue. In the last year, the Revenue has grown by 1.00%.

The Revenue has been decreasing by -5.84% on average over the past years.

EPS 1Y (TTM)95.79%

EPS 3Y-30.23%

EPS 5Y-6%

EPS Q2Q%4.07%

Revenue 1Y (TTM)1%

Revenue growth 3Y-19.4%

Revenue growth 5Y-5.84%

Sales Q2Q%-8.37%

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.

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4. Valuation

4.1 Price/Earnings Ratio

WSBF is valuated correctly with a Price/Earnings ratio of 13.84.

WSBF's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 27.21. WSBF is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	13.84
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSBF indicates a rather cheap valuation: WSBF is cheaper than 98.00% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.18
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

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5. Dividend

5.1 Amount

WSBF has a Yearly Dividend Yield of 4.30%, which is a nice return.

Compared to an average industry Dividend Yield of 4.97, WSBF pays a better dividend. On top of this WSBF pays more dividend than 83.00% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.42, WSBF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.3%

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

59.20% 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.

DP59.2%

EPS Next 2YN/A

EPS Next 3YN/A

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WATERSTONE FINANCIAL INC

NASDAQ:WSBF (7/1/2025, 9:16:57 PM)

After market: 13.98 0 (0%)

13.98

+0.17 (+1.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)04-22 2025-04-22

Earnings (Next)07-16 2025-07-16

Inst Owners52.14%

Inst Owner Change0.83%

Ins Owners7.34%

Ins Owner Change0.2%

Market Cap266.74M

Analysts43.33

Price TargetN/A

Short Float %0.75%

Short Ratio2.05

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.3%

Yearly Dividend0.57

Dividend Growth(5Y)-11.96%

DP59.2%

Div Incr Years0

Div Non Decr Years0

Ex-Date04-08 2025-04-08 (0.15)

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	13.84
Fwd PE	N/A
P/S	2.01
P/FCF	3.18
P/OCF	3.15
P/B	0.78
P/tB	0.78
EV/EBITDA	N/A

EPS(TTM)1.01

EY7.22%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)4.39

FCFY31.41%

OCF(TTM)4.44

OCFY31.77%

SpS6.96

BVpS17.89

TBVpS17.85

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.86%
ROE	5.47%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.08%
GM	N/A
FCFM	63.1%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score9

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.14
Debt/EBITDA	N/A
Cap/Depr	36.09%
Cap/Sales	0.73%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	448.3%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC9.78%

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)95.79%

EPS 3Y-30.23%

EPS 5Y-6%

EPS Q2Q%4.07%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1%

Revenue growth 3Y-19.4%

Revenue growth 5Y-5.84%

Sales Q2Q%-8.37%

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 1Y161.78%

FCF growth 3Y-32.65%

FCF growth 5YN/A

OCF growth 1Y159.16%

OCF growth 3Y-32.24%

OCF growth 5YN/A

WATERSTONE FINANCIAL INC (WSBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens