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WATERSTONE FINANCIAL INC (WSBF) Stock Fundamental Analysis

NASDAQ:WSBF - Nasdaq - US94188P1012 - Common Stock - Currency: USD

12.51  -0.11 (-0.87%)

Fundamental Rating

3

Overall WSBF gets a fundamental rating of 3 out of 10. We evaluated WSBF against 101 industry peers in the Financial Services industry. While WSBF seems to be doing ok healthwise, there are quite some concerns on its profitability. WSBF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

WSBF had positive earnings in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

WSBF has a Return On Assets (0.85%) which is comparable to the rest of the industry.
The Return On Equity of WSBF (5.51%) is worse than 61.39% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 5.51%
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
WSBF Yearly ROA, ROE, ROICWSBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a decent Profit Margin value of 13.79%, WSBF is doing good in the industry, outperforming 61.39% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBF has declined.
WSBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.79%
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
WSBF Yearly Profit, Operating, Gross MarginsWSBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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5

2. Health

2.1 Basic Checks

WSBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
WSBF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, WSBF has less shares outstanding
WSBF has a better debt/assets ratio than last year.
WSBF Yearly Shares OutstandingWSBF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
WSBF Yearly Total Debt VS Total AssetsWSBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of WSBF is 0.06, which is an excellent value as it means it would take WSBF, only 0.06 years of fcf income to pay off all of its debts.
WSBF has a better Debt to FCF ratio (0.06) than 91.09% of its industry peers.
WSBF has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.01, WSBF belongs to the top of the industry, outperforming 90.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACCN/A
WACC12.03%
WSBF Yearly LT Debt VS Equity VS FCFWSBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 95.79% over the past year.
The Earnings Per Share has been decreasing by -6.00% on average over the past years.
The Revenue has been growing slightly by 1.00% in the past year.
WSBF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.84% yearly.
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.
WSBF Yearly Revenue VS EstimatesWSBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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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3

4. Valuation

4.1 Price/Earnings Ratio

WSBF is valuated correctly with a Price/Earnings ratio of 12.39.
Based on the Price/Earnings ratio, WSBF is valued a bit cheaper than 60.40% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.85, WSBF is valued rather cheaply.
Industry RankSector Rank
PE 12.39
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

Based on the Price/Free Cash Flow ratio, WSBF is valued cheaply inside the industry as 91.09% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.14
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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5

5. Dividend

5.1 Amount

WSBF has a Yearly Dividend Yield of 4.83%, which is a nice return.
WSBF's Dividend Yield is rather good when compared to the industry average which is at 5.08. WSBF pays more dividend than 84.16% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, WSBF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.83%

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
WSBF Yearly Dividends per shareWSBF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

WSBF pays out 60.30% of its income as dividend. This is not a sustainable payout ratio.
WSBF's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP60.3%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M
WSBF Dividend Payout.WSBF Dividend Payout, showing the Payout Ratio.WSBF Dividend Payout.PayoutRetained Earnings

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WATERSTONE FINANCIAL INC

NASDAQ:WSBF (5/14/2025, 8:09:13 PM)

12.51

-0.11 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-22 2025-04-22
Earnings (Next)07-23 2025-07-23
Inst Owners51.42%
Inst Owner Change1.91%
Ins Owners7.16%
Ins Owner Change0.2%
Market Cap241.19M
Analysts43.33
Price TargetN/A
Short Float %0.47%
Short Ratio1.41
Dividend
Industry RankSector Rank
Dividend Yield 4.83%
Yearly Dividend0.57
Dividend Growth(5Y)-11.96%
DP60.3%
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)2
Avg Revenue beat(2)144.08%
Min Revenue beat(2)131.23%
Max Revenue beat(2)156.94%
Revenue beat(4)4
Avg Revenue beat(4)164.57%
Min Revenue beat(4)131.23%
Max Revenue beat(4)198.75%
Revenue beat(8)7
Avg Revenue beat(8)135.61%
Revenue beat(12)11
Avg Revenue beat(12)153.14%
Revenue beat(16)15
Avg Revenue beat(16)204.84%
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 12.39
Fwd PE N/A
P/S 1.78
P/FCF 5.14
P/OCF 5.02
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)1.01
EY8.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.44
FCFY19.47%
OCF(TTM)2.49
OCFY19.93%
SpS7.03
BVpS17.59
TBVpS17.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 5.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.79%
GM N/A
FCFM 34.67%
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-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.06
Debt/EBITDA N/A
Cap/Depr 44.42%
Cap/Sales 0.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 251.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.03%
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 1Y266.09%
FCF growth 3Y-32.65%
FCF growth 5YN/A
OCF growth 1Y274.29%
OCF growth 3Y-32.24%
OCF growth 5YN/A