Stock Scorecard
Stock Summary for Waterstone Financial Inc (WSBF) - $15.25 as of 11/20/2024 8:54:07 PM EST
Total Score
15 out of 30
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for WSBF
| Positive 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 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 (50 out of 90)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 8 |
| 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) | 4 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 7 |
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 | FINANCE |
| Industry Name | SAVINGS INSTITUTION, FEDERALLY CHARTERED |
| Most Recent Quarter | 9/30/2024 |
| Next Earnings Date | 1/28/2025 |
Stock Price History |
|
| Last Day Price | 15.25 |
| Price 4 Years Ago | 14.95 |
| Last Day Price Updated | 11/20/2024 8:54:07 PM EST |
| Last Day Volume | 21,143 |
| Average Daily Volume | 35,181 |
| 52-Week High | 16.86 |
| 52-Week Low | 10.37 |
| Last Price to 52 Week Low | 47.06% |
Valuation Measures |
|
| Trailing PE | 21.35 |
| Industry PE | 23.11 |
| Sector PE | 21.40 |
| 5-Year Average PE | 10.19 |
| Free Cash Flow Ratio | 7.13 |
| Industry Free Cash Flow Ratio | 2.90 |
| Sector Free Cash Flow Ratio | 11.50 |
| Current Ratio Most Recent Quarter | 0.30 |
| Total Cash Per Share | 2.14 |
| Book Value Per Share Most Recent Quarter | 18.64 |
| Price to Book Ratio | 0.87 |
| Industry Price to Book Ratio | 0.98 |
| Sector Price to Book Ratio | 2.00 |
| Price to Sales Ratio Twelve Trailing Months | 2.24 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.46 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.50 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 19,373,100 |
| Market Capitalization | 295,439,775 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 10/8/2024 |
| Last Dividend Amount | 0.15 |
| Current Dividend Amount | 0.15 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.60 |
| Trailing Annual Dividend Yield | 3.93% |
| Forward Annual Dividend Rate | 0.56 |
| Forward Annual Dividend Yield | 3.68% |
| 5-Year Dividend Payments Count | 24 |
| 3-Year Average Dividend Yield | 6.26% |
| 5-Year Average Dividend Yield | 6.14% |
| 1-Year Dividend Growth Rate Percentage | -42.31% |
| 3-Year Dividend Growth Rate Percentage | -24.04% |
| 5-Year Dividend Growth Rate Percentage | -6.47% |
| All-Time Dividend Growth Rate Percentage | 19.58% |
| Dividend Payout Ratio | 83.33% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 61.00% |
| Annual Earnings Growth | -51.89% |
| Reported EPS 12 Trailing Months | 0.72 |
| Reported EPS Past Year | 1.18 |
| Reported EPS Prior Year | 0.88 |
| Net Income Twelve Trailing Months | 13,438,000 |
| Net Income Past Year | 9,375,000 |
| Net Income Prior Year | 19,487,000 |
| Quarterly Revenue Growth YOY | 2.00% |
| 5-Year Revenue Growth | -5.49% |
| Operating Margin Twelve Trailing Months | 0.17 |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 41,407,000 |
| Total Cash Past Year | 36,421,000 |
| Total Cash Prior Year | 46,642,000 |
| Net Cash Position Most Recent Quarter | -518,720,000 |
| Net Cash Position Past Year | -574,633,000 |
| Long Term Debt Past Year | 611,054,000 |
| Long Term Debt Prior Year | 386,784,000 |
| Total Debt Most Recent Quarter | 560,127,000 |
| Equity to Debt Ratio Past Year | 0.36 |
| Equity to Debt Ratio Most Recent Quarter | 0.38 |
| Total Stockholder Equity Past Year | 344,056,000 |
| Total Stockholder Equity Prior Year | 370,486,000 |
| Total Stockholder Equity Most Recent Quarter | 342,002,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 22,472,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.16 |
| Free Cash Flow Past Year | -28,277,000 |
| Free Cash Flow Prior Year | 205,964,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.29 |
| MACD Signal | 0.25 |
| 20-Day Bollinger Lower Band | 13.09 |
| 20-Day Bollinger Middle Band | 14.54 |
| 20-Day Bollinger Upper Band | 15.99 |
| Beta | 0.64 |
| RSI | 53.37 |
| 50-Day SMA | 13.02 |
| 150-Day SMA | 14.02 |
| 200-Day SMA | 14.71 |
System |
|
| Modified | 11/19/2024 4:28:53 PM EST |