Stock Scorecard
Stock Summary for Waterstone Financial Inc (WSBF) - $17.97 as of 4/24/2026 4:10:01 PM EST
Total Score
19 out of 30
Safety Score
55 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for WSBF
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for WSBF
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for WSBF
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for WSBF
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for WSBF (55 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for WSBF
Financial Details for WSBF
Company Overview |
|
|---|---|
| Ticker | WSBF |
| Company Name | Waterstone Financial Inc |
| Country | USA |
| Description | Waterstone Financial, Inc. is a bank holding company for WaterStone Bank SSB providing various financial services to clients in southeastern Wisconsin, USA. The company is headquartered in Wauwatosa, Wisconsin. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 4/28/2026 |
Stock Price History |
|
| Last Day Price | 17.97 |
| Price 4 Years Ago | 14.66 |
| Last Day Price Updated | 4/24/2026 4:10:01 PM EST |
| Last Day Volume | 65,649 |
| Average Daily Volume | 76,246 |
| 52-Week High | 18.86 |
| 52-Week Low | 11.46 |
| Last Price to 52 Week Low | 56.81% |
Valuation Measures |
|
| Trailing PE | 10.85 |
| Industry PE | 14.80 |
| Sector PE | 18.68 |
| 5-Year Average PE | 14.74 |
| Free Cash Flow Ratio | 8.40 |
| Industry Free Cash Flow Ratio | 13.65 |
| Sector Free Cash Flow Ratio | 25.81 |
| Current Ratio Most Recent Quarter | 8.78 |
| Total Cash Per Share | 2.14 |
| Book Value Per Share Most Recent Quarter | 19.95 |
| Price to Book Ratio | 0.93 |
| Industry Price to Book Ratio | 1.20 |
| Sector Price to Book Ratio | 1.72 |
| Price to Sales Ratio Twelve Trailing Months | 2.27 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.48 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.01 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 18,146,000 |
| Market Capitalization | 326,083,620 |
| Institutional Ownership | 51.99% |
Dividends |
|
| Ex-Dividend Date | 4/8/2026 |
| Previous Dividend Amount | 0.1500 |
| Current Dividend Amount | 0.1700 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.62 |
| Trailing Annual Dividend Yield | 3.46% |
| Forward Annual Dividend Rate | 0.68 |
| Forward Annual Dividend Yield | 3.80% |
| 5-Year Dividend Payments Count | 22 |
| 3-Year Average Dividend Yield | 3.69% |
| 5-Year Average Dividend Yield | 4.95% |
| 1-Year Dividend Growth Rate Percentage | 13.33% |
| 3-Year Dividend Growth Rate Percentage | 6.46% |
| 5-Year Dividend Growth Rate Percentage | -3.98% |
| All-Time Dividend Growth Rate Percentage | 11.61% |
| Dividend Payout Ratio | 41.89% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 55.40% |
| Annual Earnings Growth | 41.28% |
| Reported EPS 12 Trailing Months | 1.65 |
| Reported EPS Past Year | 1.49 |
| Reported EPS Prior Year | 1.01 |
| Net Income Twelve Trailing Months | 29,363,000 |
| Net Income Past Year | 26,402,000 |
| Net Income Prior Year | 18,688,000 |
| Quarterly Revenue Growth YOY | 19.90% |
| 5-Year Revenue Growth | -8.70% |
| Operating Margin Twelve Trailing Months | 25.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 38,759,000 |
| Total Cash Past Year | 63,560,000 |
| Total Cash Prior Year | 35,459,000 |
| Net Cash Position Most Recent Quarter | -151,241,000 |
| Net Cash Position Past Year | -126,440,000 |
| Long Term Debt Past Year | 190,000,000 |
| Long Term Debt Prior Year | 150,000,000 |
| Total Debt Most Recent Quarter | 190,000,000 |
| Equity to Debt Ratio Past Year | 0.65 |
| Equity to Debt Ratio Most Recent Quarter | 0.65 |
| Total Stockholder Equity Past Year | 349,392,000 |
| Total Stockholder Equity Prior Year | 339,135,000 |
| Total Stockholder Equity Most Recent Quarter | 348,211,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 17,813,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.98 |
| Free Cash Flow Past Year | 17,856,000 |
| Free Cash Flow Prior Year | 46,964,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.13 |
| MACD Signal | 0.18 |
| 20-Day Bollinger Lower Band | 16.09 |
| 20-Day Bollinger Middle Band | 17.50 |
| 20-Day Bollinger Upper Band | 18.91 |
| Beta | 0.77 |
| RSI | 47.84 |
| 50-Day SMA | 15.30 |
| 150-Day SMA | 13.19 |
| 200-Day SMA | 13.37 |
System |
|
| Modified | 4/25/2026 10:53:20 AM EST |