WATERSTONE FINANCIAL INC (WSBF) Stock Fundamental Analysis

NASDAQ:WSBF • US94188P1012

18.16 USD
+0.23 (+1.28%)
At close: Feb 20, 2026
18.16 USD
0 (0%)
After Hours: 2/20/2026, 8:10:44 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall WSBF gets a fundamental rating of 3 out of 10. We evaluated WSBF against 98 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

3

1. Profitability

1.1 Basic Checks

  • In the past year WSBF was profitable.
  • In the past year WSBF had a positive cash flow from operations.
  • WSBF had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • WSBF has a Return On Assets (1.05%) which is in line with its industry peers.
  • The Return On Equity of WSBF (6.92%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.05%
ROE 6.92%
ROIC N/A
ROA(3y)0.81%
ROA(5y)1.32%
ROE(3y)5.26%
ROE(5y)7.48%
ROIC(3y)N/A
ROIC(5y)N/A
WSBF Yearly ROA, ROE, ROICWSBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 17.50%, WSBF is in the better half of the industry, outperforming 67.01% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 17.5%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.76%
PM growth 5Y-7.36%
GM growth 3YN/A
GM growth 5YN/A
WSBF Yearly Profit, Operating, Gross MarginsWSBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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.
  • The number of shares outstanding for WSBF has been reduced compared to 5 years ago.
  • There is no outstanding debt for WSBF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
WSBF Yearly Shares OutstandingWSBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
WSBF Yearly Total Debt VS Total AssetsWSBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of WSBF is 0.20, which is an excellent value as it means it would take WSBF, only 0.20 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.20, WSBF belongs to the top of the industry, outperforming 86.60% 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 82.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.2
Altman-Z N/A
ROIC/WACCN/A
WACC11.54%
WSBF Yearly LT Debt VS Equity VS FCFWSBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 47.45%, which is quite impressive.
  • WSBF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.84% yearly.
  • The Revenue has been growing slightly by 4.76% in the past year.
  • WSBF shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.76% yearly.
EPS 1Y (TTM)47.45%
EPS 3Y18.41%
EPS 5Y-14.84%
EPS Q2Q%55.58%
Revenue 1Y (TTM)4.76%
Revenue growth 3Y-4.43%
Revenue growth 5Y-13.76%
Sales Q2Q%16.74%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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

  • With a Price/Earnings ratio of 12.27, WSBF is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of WSBF is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 26.99. WSBF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.27
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 83.51% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.67
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • WSBF has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.
  • WSBF's Dividend Yield is a higher than the industry average which is at 2.16.
  • WSBF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.53%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • WSBF pays out 45.57% 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.
DP45.57%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/20/2026, 8:10:44 PM)

After market: 18.16 0 (0%)

18.16

+0.23 (+1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners50.64%
Inst Owner Change0.82%
Ins Owners6.24%
Ins Owner Change-18.14%
Market Cap333.42M
Revenue(TTM)141.92M
Net Income(TTM)23.90M
Analysts43.33
Price TargetN/A
Short Float %0.87%
Short Ratio2.7
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
Yearly Dividend0.57
Dividend Growth(5Y)-11.96%
DP45.57%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-08
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 12.27
Fwd PE N/A
P/S 2.44
P/FCF 7.67
P/OCF 7.5
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.48
EY8.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.37
FCFY13.04%
OCF(TTM)2.42
OCFY13.33%
SpS7.44
BVpS18.82
TBVpS18.76
PEG (NY)N/A
PEG (5Y)N/A
Graham Number25.03
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 6.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.5%
GM N/A
FCFM 31.82%
ROA(3y)0.81%
ROA(5y)1.32%
ROE(3y)5.26%
ROE(5y)7.48%
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 3Y15.76%
PM growth 5Y-7.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.2
Debt/EBITDA N/A
Cap/Depr 39.63%
Cap/Sales 0.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 181.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.54%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.45%
EPS 3Y18.41%
EPS 5Y-14.84%
EPS Q2Q%55.58%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.76%
Revenue growth 3Y-4.43%
Revenue growth 5Y-13.76%
Sales Q2Q%16.74%
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 1Y93.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y87.86%
OCF growth 3YN/A
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 for WSBF stock?

ChartMill assigns a valuation rating of 3 / 10 to WATERSTONE FINANCIAL INC (WSBF). This can be considered as Overvalued.


What is the profitability of WSBF stock?

WATERSTONE FINANCIAL INC (WSBF) has a profitability rating of 3 / 10.


What is the financial health of WATERSTONE FINANCIAL INC (WSBF) stock?

The financial health rating of WATERSTONE FINANCIAL INC (WSBF) is 5 / 10.


Can you provide the dividend sustainability for WSBF stock?

The dividend rating of WATERSTONE FINANCIAL INC (WSBF) is 5 / 10 and the dividend payout ratio is 45.57%.