WATERSTONE FINANCIAL INC (WSBF) Stock Fundamental Analysis
USA - NASDAQ:WSBF - US94188P1012 - Common Stock
15.45 USD
-0.04 (-0.26%)
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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
WSBF had positive earnings in the past year.
In the past year WSBF had a positive cash flow from operations.
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 of 0.92%. This is comparable to the rest of the industry: WSBF outperforms 44.33% of its industry peers.
WSBF's Return On Equity of 6.06% is on the low side compared to the rest of the industry. WSBF is outperformed by 67.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 6.06% | ||
| 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 better Profit Margin (15.49%) than 63.92% 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) | 15.49% | ||
| 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.
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 0.16. This is a very positive value and a sign of high solvency as it would only need 0.16 years to pay back of all of its debts.
WSBF has a better Debt to FCF ratio (0.16) than 88.66% of its industry peers.
WSBF has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
WSBF has a better Debt to Equity ratio (0.04) than 83.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 83.95%, which is quite impressive.
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 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
Based on the Price/Earnings ratio of 11.62, the valuation of WSBF can be described as reasonable.
WSBF's Price/Earnings is on the same level as the industry average.
WSBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.62 | ||
| 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 97.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.4 | ||
| 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%.
Compared to an average industry Dividend Yield of 4.49, WSBF pays a better dividend. On top of this WSBF pays more dividend than 81.44% of the companies listed in the same industry.
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 | 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
53.04% 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.
DP53.04%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:WSBF (11/14/2025, 11:52:33 AM)
15.45
-0.04 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners50.68%
Inst Owner Change-0.83%
Ins Owners7.49%
Ins Owner Change-7.46%
Market Cap288.61M
Revenue(TTM)136.59M
Net Income(TTM)20.70M
Analysts43.33
Price TargetN/A
Short Float %0.72%
Short Ratio1.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Yearly Dividend0.57
Dividend Growth(5Y)-11.96%
DP53.04%
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 | 11.62 | ||
| Fwd PE | N/A | ||
| P/S | 2.16 | ||
| P/FCF | 3.4 | ||
| P/OCF | 3.36 | ||
| P/B | 0.85 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.33
EY8.61%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.55
FCFY29.43%
OCF(TTM)4.59
OCFY29.73%
SpS7.15
BVpS18.28
TBVpS18.23
PEG (NY)N/A
PEG (5Y)N/A
Graham Number23.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 6.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.49% | ||
| GM | N/A | ||
| FCFM | 63.57% |
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-Score9
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.16 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 33.21% | ||
| Cap/Sales | 0.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 410.33% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC9.68%
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 1Y411.7%
FCF growth 3Y-32.65%
FCF growth 5YN/A
OCF growth 1Y404.79%
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 2 / 10.
How financially healthy is WATERSTONE FINANCIAL INC?
The financial health rating of WATERSTONE FINANCIAL INC (WSBF) is 5 / 10.