WSBF Fundamental Analysis - WATERSTONE FINANCIAL INC

Fundamental Rating

Overall WSBF gets a fundamental rating of 3 out of 10. We evaluated WSBF against 100 industry peers in the Financial Services industry. The financial health of WSBF is average, but there are quite some concerns on its profitability. WSBF is valued correctly, but it does not seem to be growing.

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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.

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

WSBF has a Return On Assets (0.86%) which is in line with its industry peers.

The Return On Equity of WSBF (5.47%) is worse than 63.00% 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's Profit Margin of 14.08% is fine compared to the rest of the industry. WSBF outperforms 61.00% of its industry peers.

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 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.

WSBF has less shares outstanding than it did 1 year ago.

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.

With an excellent Debt to FCF ratio value of 0.14, WSBF belongs to the best of the industry, outperforming 91.00% of the companies in the same industry.

A Debt/Equity ratio of 0.03 indicates that WSBF is not too dependend on debt financing.

WSBF's Debt to Equity ratio of 0.03 is amongst the best of the industry. WSBF outperforms 88.00% of its industry peers.

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

ROIC/WACCN/A

WACC11.71%

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

WSBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -70.17%.

The Earnings Per Share has been decreasing by -3.47% on average over the past years.

The Revenue has been growing slightly by 0.91% in the past year.

The Revenue has been decreasing by -1.47% on average over the past years.

EPS 1Y (TTM)-70.17%

EPS 3Y-13.72%

EPS 5Y-3.47%

EPS Q2Q%39.53%

Revenue 1Y (TTM)0.91%

Revenue growth 3Y-3.86%

Revenue growth 5Y-1.47%

Sales Q2Q%2.32%

3.2 Future

WSBF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.26% yearly.

Based on estimates for the next years, WSBF will show a decrease in Revenue. The Revenue will decrease by -5.38% on average per year.

EPS Next Y-18.86%

EPS Next 2Y9.26%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-10.66%

Revenue Next 2Y-5.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

WSBF is valuated correctly with a Price/Earnings ratio of 16.15.

The rest of the industry has a similar Price/Earnings ratio as WSBF.

WSBF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.85.

The Price/Forward Earnings ratio is 13.53, which indicates a correct valuation of WSBF.

WSBF's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of WSBF to the average of the S&P500 Index (34.98), we can say WSBF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	16.15
Fwd PE	13.53

4.2 Price Multiples

98.00% of the companies in the same industry are more expensive than WSBF, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	3.17
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y9.26%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

WSBF has a Yearly Dividend Yield of 4.50%, which is a nice return.

WSBF's Dividend Yield is a higher than the industry average which is at 4.92.

WSBF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	4.5%

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

WSBF pays out 59.20% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP59.2%

EPS Next 2Y9.26%

EPS Next 3YN/A

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WATERSTONE FINANCIAL INC

NASDAQ:WSBF (8/19/2025, 8:24:16 PM)

After market: 14.21 0 (0%)

14.21

+0.02 (+0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-20 2025-10-20

Inst Owners52.69%

Inst Owner Change-1.47%

Ins Owners7.46%

Ins Owner Change0.2%

Market Cap265.44M

Analysts43.33

Price TargetN/A

Short Float %0.6%

Short Ratio1.88

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.5%

Yearly Dividend0.57

Dividend Growth(5Y)-11.96%

DP59.2%

Div Incr Years0

Div Non Decr Years0

Ex-Date07-08 2025-07-08 (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	16.15
Fwd PE	13.53
P/S	2
P/FCF	3.17
P/OCF	3.13
P/B	0.78
P/tB	0.78
EV/EBITDA	N/A

EPS(TTM)0.88

EY6.19%

EPS(NY)1.05

Fwd EY7.39%

FCF(TTM)4.48

FCFY31.56%

OCF(TTM)4.54

OCFY31.93%

SpS7.11

BVpS18.27

TBVpS18.23

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

WACC11.71%

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)-70.17%

EPS 3Y-13.72%

EPS 5Y-3.47%

EPS Q2Q%39.53%

EPS Next Y-18.86%

EPS Next 2Y9.26%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.91%

Revenue growth 3Y-3.86%

Revenue growth 5Y-1.47%

Sales Q2Q%2.32%

Revenue Next Year-10.66%

Revenue Next 2Y-5.38%

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