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WATERSTONE FINANCIAL INC (WSBF) Stock Fundamental Analysis

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

12.92  -0.02 (-0.15%)

After market: 12.92 0 (0%)

Fundamental Rating

3

Overall WSBF gets a fundamental rating of 3 out of 10. We evaluated WSBF 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year WSBF was profitable.
WSBF had a positive operating cash flow in the past year.
In the past 5 years WSBF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: WSBF reported negative operating cash flow in multiple 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 of 0.86%. This is comparable to the rest of the industry: WSBF outperforms 41.00% of its industry peers.
The Return On Equity of WSBF (5.47%) is worse than 64.00% of its industry peers.
Industry RankSector 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
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

The Profit Margin of WSBF (14.08%) is better than 62.00% of its industry peers.
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 RankSector 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
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.
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.
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 0.14, which is an excellent value as it means it would take WSBF, only 0.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of WSBF (0.14) is better than 91.00% 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.
The Debt to Equity ratio of WSBF (0.03) is better than 85.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.14
Altman-Z N/A
ROIC/WACCN/A
WACC11.74%
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

WSBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.79%, 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.
Looking at the last year, WSBF shows a small growth in Revenue. The Revenue has grown by 1.00% in the last 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

The Price/Earnings ratio is 12.79, which indicates a correct valuation of WSBF.
The rest of the industry has a similar Price/Earnings ratio as WSBF.
The average S&P500 Price/Earnings ratio is at 26.25. WSBF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.79
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

98.00% of the companies in the same industry are more expensive than WSBF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.94
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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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.64%, WSBF is a good candidate for dividend investing.
WSBF's Dividend Yield is rather good when compared to the industry average which is at 4.89. WSBF pays more dividend than 84.00% of the companies in the same industry.
WSBF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 4.64%

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
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 59.20% of its income as dividend. 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
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 (5/30/2025, 8:00:02 PM)

After market: 12.92 0 (0%)

12.92

-0.02 (-0.15%)

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 Change0.83%
Ins Owners7.16%
Ins Owner Change0.2%
Market Cap246.51M
Analysts43.33
Price TargetN/A
Short Float %0.47%
Short Ratio1.41
Dividend
Industry RankSector Rank
Dividend Yield 4.64%
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 RankSector Rank
PE 12.79
Fwd PE N/A
P/S 1.86
P/FCF 2.94
P/OCF 2.91
P/B 0.72
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)1.01
EY7.82%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.39
FCFY33.98%
OCF(TTM)4.44
OCFY34.38%
SpS6.96
BVpS17.89
TBVpS17.85
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC11.74%
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