WSBF logo

Waterstone Financial (WSBF)

Profile

Full Name

Waterstone Financial, Inc.

Ticker Symbol

WSBF

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

October 5, 2005

Indexes

Not included

Website

http://www.wsbonline.com

Employees

600

Key Details

Price

$11.86(-0.59%)

Market cap

$229.13M(Small cap)

Last Dividend

$0.15

TTM Dividend yield

5.06%

Annual revenue

$132.38M(+3.44% YoY)

Annual EPS

$1.01(+119.57% YoY)

PE ratio

11.74

Next earnings date

Apr 30, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$11.86
WSBF price is $11.86

30-Day Relative Volume

1.10
WSBF 30-day relative volume is 1.10

Price Performance

Price Most recent change

-0.59%
WSBF price was down -0.59% on Apr 11, 2025

Price YTD change

-11.76%
WSBF price is down -11.76% since January 1st

Price 1-year change

+4.77%
WSBF price is up +4.77% year-on-year

Price 3-year change

-36.88%
WSBF price is down -36.88% over the past 3 years

Price Range

Price All-time high

$22.74
WSBF price is currently -47.85% below its historical high of $22.74

Price 3-year low

$9.62
WSBF price is currently +23.28% above its 3-year low

Capitalization

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Market cap

Market cap

$229.13M
WSBF market capitalization is $229.13 million

Market cap 3-year change

-49.5%
WSBF market capitalization is down -49.5% over the past 3 years

Market cap All-time high

$625.32M
WSBF market capitalization is currently -63.36% below its historical high of $625.32 million

Market cap sector rank

36.36%
WSBF market capitalization is higher than 36.36% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

-2.96%
WSBF shares outstanding is down -2.96% year-on-year

Shares Outstanding 3-Year Change

-19.99%
WSBF shares outstanding is down -19.99% over the past 3 years

Technical Indicators

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Beta

0.58
WSBF beta is 0.58

200-day SMA

$14.19
WSBF price is currently -16.40% below its 200-day simple moving average

50-day SMA

$13.65
WSBF price is currently -13.10% below its 50-day simple moving average

RSI

28.78
WSBF 14-day relative strength index is 28.78

Volume

1.10
WSBF 30-day relative volume is 1.10

ATR

$0.54
WSBF average true range is $0.54

10-day Historical Volatility

46.92%
WSBF 10-day historical volatility is 46.92%

Dividend

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Events

Last Paid Dividend

$0.15
WSBF last dividend was $0.15 per share, with an ex-dividend date of April 8, 2025

Next Dividend

-
WSBF next dividend has not yet been announced

Dividend per share

Dividend per share

$0.60
WSBF annual dividend per share is $0.60

Dividend per share Sector Rank

32.95%
WSBF annual dividend per share is higher than 32.95% of companies in Financial Services sector

Dividend per share 1-Year Change

-20%
WSBF annual dividend per share is down -20% year-on-year

Dividend per share 3-Year Change

-62.5%
WSBF annual dividend per share is down -62.5% over the past 3 years

Dividend yield

Dividend yield

5.06%
WSBF annual dividend yield is 5.06%

Dividend yield Sector Rank

52.01%
WSBF annual dividend yield is higher than 52.01% of companies in Financial Services sector

Other

Payout ratio

60.30%
WSBF annual payout ratio is 60.30%

Dividends paid

$11.27M
WSBF annual dividends paid is $11.27 million

Free cash flow

$46.96M
WSBF annual free cash flow is $46.96 million

Income Statement

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Revenue

Revenue

$132.38M
WSBF annual revenue is $132.38 million

Revenue Analysts estimate

-
WSBF annual revenue consensus analysts' forecast is unknown

Revenue 1-year change

+3.44%
WSBF annual revenue is up +3.44% year-on-year

Revenue Sector rank

50.55%
WSBF annual revenue is higher than 50.55% of companies in Financial Services sector

EPS

EPS

$1.01
WSBF annual earnings per share is $1.01

EPS Analysts estimate

-
WSBF annual earnings per share consensus analysts' forecast is unknown

EPS 1-year change

+119.57%
WSBF annual earnings per share is up +119.57% year-on-year

EPS Sector rank

43.27%
WSBF annual earnings per share is higher than 43.27% of companies in Financial Services sector

Profit

Gross profit

-
WSBF annual gross profit value is unknown

Gross margin

-
WSBF annual gross profit margin value is unknown

Operating profit

-
WSBF annual operating income value is unknown

Operating margin

-
WSBF annual operating profit margin value is unknown

Net income

$18.69M
WSBF annual net profit is $18.69 million

Net margin

14.12%
WSBF annual net profit margin is 14.12%

Expenses

Total expenses

-
WSBF annual total expenses value is unknown

Operating expenses

$84.63M
WSBF annual total operating expenses is $84.63 million

Cost of goods sold

-
WSBF annual cost of goods sold value is unknown

Selling, general & administrative expenses

$84.63M
WSBF annual SGA is $84.63 million

Depreciation and amortization

$2.47M
WSBF annual depreciation & amortization is $2.47 million

Interest expense

-
WSBF annual interest expense value is unknown

Income tax

$5.31M
WSBF annual income tax is $5.31 million

EBIT & EBITDA

EBIT

$91.00M
WSBF annual earnings before interest & taxes is $91.00 million

EBITDA

$93.48M
WSBF annual EBITDA is $93.48 million

Balance Sheet

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Assets

Total assets

$2.21B
WSBF annual total assets is $2.21 billion

Non current assets

$2.07B
WSBF annual long term assets is $2.07 billion

Current assets

$248.31M
WSBF annual total current assets is $248.31 million

Cash and cash equivalents

$35.46M
WSBF annual cash & cash equivalents is $35.46 million

Accounts receivable

-
WSBF annual accounts receivable value is unknown

Inventory

-
WSBF annual inventory value is unknown

Liabilities

Total liabilities

$1.87B
WSBF annual total liabilities is $1.87 billion

Long term liabilities

$1.81B
WSBF annual total long term liabilities is $1.81 billion

Current liabilities

$296.52M
WSBF annual total current liabilities is $296.52 million

Accounts payable

-
WSBF annual accounts payable value is unknown

Debt

Total debt

$443.55M
WSBF annual total debt is $443.55 million

Total debt 1-year change

-4.41%
WSBF annual total debt is down -4.41% year-on-year

Long term debt

$150.00M
WSBF annual long term debt is $150.00 million

Short term debt

$293.55M
WSBF annual short term debt is $293.55 million

Equity & Capital

Shareholders equity

$339.13M
WSBF annual stockholders equity is $339.13 million

Book value

$339.13M
WSBF annual book value is $339.13 million

Retained earnings

$277.20M
WSBF annual retained earnings is $277.20 million

Working capital

-$100.98M
WSBF annual working capital is -$100.98 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$48.06M
WSBF annual cash flow from operations is $48.06 million

Cash from operations 1-year change

+274.29%
WSBF annual cash flow from operations is up +274.29% year-on-year

Cash from investing

-$23.96M
WSBF annual cash flow from investing activities is -$23.96 million

Cash from investing 1-year change

+84.95%
WSBF annual cash flow from investing activities is up +84.95% year-on-year

Cash from financing

-$20.76M
WSBF annual cash flow from financing activities is -$20.76 million

Cash from financing 1-year change

-111.76%
WSBF annual cash flow from financing activities is down -111.76% year-on-year

CAPEX

CAPEX

$1.10M
WSBF annual capital expenditures is $1.10 million

CAPEX 1-year change

+57%
WSBF annual capital expenditures is up +57% year-on-year

Free Cash Flow

Free cash flow

$46.96M
WSBF annual free cash flow is $46.96 million

Free cash flow 1-year change

+266.09%
WSBF annual free cash flow is up +266.09% year-on-year

Profitability Ratios

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Margins

Gross margin

-
WSBF annual gross profit margin value is unknown

Operating margin

-
WSBF annual operating profit margin value is unknown

Net margin

14.12%
WSBF annual net profit margin is 14.12%

ROA & ROE

ROA

0.85%
WSBF annual return on assets is 0.85%

ROE

5.47%
WSBF annual return on equity is 5.47%

Valuation

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PE Ratio

PE ratio

11.74
WSBF price to earnings ratio is 11.74

PE ratio Sector rank

47.45%
WSBF price to earnings ratio is higher than 47.45% of companies in Financial Services sector

PB Ratio

PB ratio

0.68
WSBF price to book ratio is 0.68

PB ratio Sector rank

19.25%
WSBF price to book ratio is higher than 19.25% of companies in Financial Services sector

PS Ratio

PS ratio

1.73
WSBF price to sales ratio is 1.73

PS ratio Sector rank

27.32%
WSBF price to sales ratio is higher than 27.32% of companies in Financial Services sector

Enterprise value

Enterprise value

$637.23M
WSBF enterprise value is $637.23 million

Enterprise value Sector rank

49.89%
WSBF enterprise value is higher than 49.89% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

6.82
WSBF EV/EBITDA is 6.82

EV/EBITDA Sector rank

72.54%
WSBF EV/EBITDA is higher than 72.54% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

0.66
WSBF annual current ratio is 0.66

Quick ratio

-
WSBF annual quick ratio value is unknown

Leverage

Debt to equity

1.32
WSBF annual debt to equity ratio is 1.32

Interest coverage ratio

-
WSBF annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
WSBF piotroski f-score value is unknown

Altman Z-Score

0.39
WSBF altman z-score is 0.39

Analyst ratings

Recent major analysts updates

Feb 26, 21 Piper Sandler
Neutral
Jul 29, 20 Piper Sandler
Overweight
Oct 31, 17 Sandler O'Neill
Hold
Oct 31, 17 Piper Sandler
Hold
Aug 2, 16 Sandler O'Neill
Buy
Aug 2, 16 Piper Sandler
Buy

Institutional Ownership

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  • What is the ticker symbol for Waterstone Financial?
  • Does Waterstone Financial pay dividends?
  • What sector is Waterstone Financial in?
  • What industry is Waterstone Financial in?
  • What country is Waterstone Financial based in?
  • When did Waterstone Financial go public?
  • Is Waterstone Financial in the S&P 500?
  • Is Waterstone Financial in the NASDAQ 100?
  • Is Waterstone Financial in the Dow Jones?
  • When was Waterstone Financial's last earnings report?
  • When does Waterstone Financial report earnings?
  • Should I buy Waterstone Financial stock now?

What is the ticker symbol for Waterstone Financial?

The ticker symbol for Waterstone Financial is NASDAQ:WSBF

Does Waterstone Financial pay dividends?

Yes, Waterstone Financial pays dividends. The last payment was $0.15, with an ex-dividend date on April 8, 2025

What sector is Waterstone Financial in?

Waterstone Financial is in the Financial Services sector

What industry is Waterstone Financial in?

Waterstone Financial is in the Banks - Regional industry

What country is Waterstone Financial based in?

Waterstone Financial is headquartered in United States

When did Waterstone Financial go public?

Waterstone Financial's initial public offering (IPO) was on October 5, 2005

Is Waterstone Financial in the S&P 500?

No, Waterstone Financial is not included in the S&P 500 index

Is Waterstone Financial in the NASDAQ 100?

No, Waterstone Financial is not included in the NASDAQ 100 index

Is Waterstone Financial in the Dow Jones?

No, Waterstone Financial is not included in the Dow Jones index

When was Waterstone Financial's last earnings report?

Waterstone Financial's most recent earnings report was on Jan 28, 2025

When does Waterstone Financial report earnings?

The next expected earnings date for Waterstone Financial is Apr 30, 2025

Should I buy Waterstone Financial stock now?

As of today, analysts generally recommend a 'Hold' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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