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WSBF Overview

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Intellectia

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High
18.760
Open
18.520
VWAP
18.66
Vol
48.70K
Mkt Cap
337.95M
Low
18.500
Amount
908.80K
EV/EBITDA(TTM)
18.00
Total Shares
18.05M
EV
712.23M
EV/OCF(TTM)
13.10
P/S(TTM)
2.39
Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank SSB (the Bank). The Bank offers a comprehensive suite of personal and business banking products and operates approximately 14 branch locations across southeastern Wisconsin. Its segments include community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Consumer products include loan products, deposit products, and personal investment services. Business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment operates through Waterstone Mortgage Corporation, which consists of originating residential mortgage loans primarily for sale in the secondary market. It has nine branch offices in Milwaukee County, four branch offices in Waukesha County and one branch office in Washington County.
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Events Timeline

(ET)
2026-04-27
16:10:00
Waterstone Financial Authorizes Repurchase of 2,148,285 Shares
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2026-03-17 (ET)
2026-03-17
16:30:00
Waterstone Financial Declares Quarterly Cash Dividend of 17 Cents
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2024-10-22 (ET)
2024-10-22
16:04:11
Waterstone Financial reports Q3 EPS 26c vs. 16c last year
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News

seekingalpha
8.0
04-27seekingalpha
Waterstone Financial Authorizes Additional 2M Share Buyback
  • Buyback Program Expansion: Waterstone Financial authorized an additional 2 million shares for repurchase on April 27, 2026, bringing the total shares available under the program to 2.15 million, which represents approximately 11.9% of outstanding shares, aimed at enhancing shareholder value and boosting market confidence.
  • Shareholder Return Strategy: By increasing the number of shares repurchased, Waterstone Financial intends to improve earnings per share by reducing the number of shares in circulation, thereby attracting more investors and enhancing the stock's appeal.
  • Market Reaction Expectations: The implementation of this buyback program is expected to have a positive impact on the company's stock price, especially in the current market environment where investors typically view buyback actions favorably, potentially driving the stock price higher.
  • Financial Health Signal: The expansion of the buyback program reflects Waterstone Financial's strong financial position, enabling such capital allocation decisions, indicating the company's confidence in future growth and commitment to its shareholders.
Yahoo Finance
9.5
04-24Yahoo Finance
Waterstone Financial Reports Q1 2026 Earnings with Mixed Results
  • Net Income Performance: Waterstone Financial reported a net income of $12.6 million for Q1 2026, reflecting a decline from $16 million in the previous quarter, yet still indicating stable performance in its core banking operations.
  • Digital Banking Conversion: The company completed a digital banking conversion for personal accounts, enhancing customer experience and security, which is expected to attract more clients and improve customer loyalty.
  • Loan Portfolio Contraction: Total loans decreased by 2% as of March 31, 2026, compared to December 31, indicating a contraction in the loan portfolio that may pose challenges for future revenue growth.
  • Credit Loss Provision: The company recognized a $4 million provision for credit losses due to two commercial real estate loans moving to non-accrual status, highlighting pressure on credit quality, although management remains optimistic about resolutions in the coming quarters.
seekingalpha
9.5
04-23seekingalpha
Waterstone Financial Reports Q1 Earnings Growth
  • Earnings Per Share Growth: Waterstone Financial reported a Q1 GAAP EPS of $0.34, reflecting a significant improvement compared to the previous year, which enhances investor confidence in the company's profitability.
  • Significant Revenue Increase: The company achieved revenues of $35.69 million in Q1, marking a 20.3% year-over-year growth, primarily driven by strong performance in loan and deposit activities, indicating a recovery in market demand.
  • Dividend Performance: Waterstone Financial maintains a solid dividend performance, consistently returning value to shareholders, which enhances the company's attractiveness in capital markets and solidifies its position in the financial services industry.
  • Financial Health: The financial information indicates a strong balance sheet with ample liquidity, supporting future expansion and investment plans, suggesting the company has the potential for sustained growth in a competitive market.
NASDAQ.COM
8.0
04-07NASDAQ.COM
Analysis of WSBF Dividend Expectations and Stock Performance
  • Dividend Yield Expectation: WSBF's current estimated annualized dividend yield stands at 3.70%, and while dividends are not always predictable, historical data aids in assessing the likelihood of continued dividends, impacting investor return expectations.
  • Price Fluctuation Range: The stock's 52-week low is $11.61 per share, with a high of $18.88, and the latest trade at $18.39 indicates that the stock is fluctuating near its high, reflecting cautious optimism in the market regarding its future performance.
  • Intraday Trading Performance: On Tuesday, Waterstone Financial Inc shares rose about 0.1%, suggesting a short-term confidence boost among investors, potentially influenced by the focus on dividends.
  • Technical Analysis Reference: By comparing with the 200-day moving average, investors can better evaluate WSBF's price trends, aiding in more informed investment decisions, especially in light of the uncertainty surrounding dividend policies.
Newsfilter
8.0
2025-12-18Newsfilter
Waterstone Financial Declares $0.15 Quarterly Cash Dividend per Share
  • Dividend Declaration: On December 18, 2025, Waterstone Financial, Inc.'s Board declared a quarterly cash dividend of $0.15 per share, payable on February 2, 2026, reflecting the company's ongoing commitment to shareholder returns.
  • Shareholder Record: The dividend will be paid to shareholders of record as of January 8, 2026, ensuring transparency and accountability in maintaining shareholder interests.
  • Company Background: Waterstone Financial, Inc. serves as the holding company for WaterStone Bank, established in 1921, emphasizing its significant role in community-focused financial services.
  • Business Expansion: WaterStone Bank operates 14 branch locations across southeastern Wisconsin, offering a comprehensive suite of personal and business banking products, thereby strengthening its competitive position in the local market.
NASDAQ.COM
3.0
2025-12-11NASDAQ.COM
Key Stock Updates for Caterpillar, Shopify, and Qualcomm
  • Caterpillar Inc. (CAT): Caterpillar's shares have outperformed the industry, with a significant backlog supporting growth despite earnings declines due to tariffs. The company anticipates a $1.6-$1.75 billion impact from tariffs in 2025 but expects growth from increased construction activities and commodity demand.

  • Shopify Inc. (SHOP): Shopify's stock has risen significantly, driven by an expanding merchant base and new AI-driven tools. However, the company faces challenges with gross margin pressure and higher operating expenses, which may impact profitability in the near term.

  • Qualcomm Inc. (QCOM): Qualcomm's shares have seen moderate growth, bolstered by advancements in AI capabilities and a strong automotive business. Nonetheless, competition in the mobile chipset market and trade tensions may hinder future profit potential.

  • Micro-cap Stocks: Waterstone Financial and Tucows have shown strong performance relative to their industries, with Waterstone benefiting from improved net interest margins and Tucows leveraging high-margin services. Both companies face challenges, including rising loan stress for Waterstone and operational risks for Tucows.

Valuation Metrics

The current forward P/E ratio for Waterstone Financial Inc (WSBF.O) is 20.70, compared to its 5-year average forward P/E of 15.43. For a more detailed relative valuation and DCF analysis to assess Waterstone Financial Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
15.43
Current PE
20.70
Overvalued PE
18.96
Undervalued PE
11.90

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
3.97
Current EV/EBITDA
56.60
Overvalued EV/EBITDA
18.68
Undervalued EV/EBITDA
-10.73

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.38
Current PS
6.71
Overvalued PS
3.58
Undervalued PS
1.18

Financials

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Frequently Asked Questions

What is Waterstone Financial Inc (WSBF) stock price today?

The current price of WSBF is 18.72 USD — it has increased 0.86

What is Waterstone Financial Inc (WSBF)'s business?

Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank SSB (the Bank). The Bank offers a comprehensive suite of personal and business banking products and operates approximately 14 branch locations across southeastern Wisconsin. Its segments include community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Consumer products include loan products, deposit products, and personal investment services. Business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment operates through Waterstone Mortgage Corporation, which consists of originating residential mortgage loans primarily for sale in the secondary market. It has nine branch offices in Milwaukee County, four branch offices in Waukesha County and one branch office in Washington County.

What is the price predicton of WSBF Stock?

Wall Street analysts forecast WSBF stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for WSBF is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Waterstone Financial Inc (WSBF)'s revenue for the last quarter?

Waterstone Financial Inc revenue for the last quarter amounts to 33.05M USD, increased 21.30

What is Waterstone Financial Inc (WSBF)'s earnings per share (EPS) for the last quarter?

Waterstone Financial Inc. EPS for the last quarter amounts to 0.34 USD, increased 100.00

How many employees does Waterstone Financial Inc (WSBF). have?

Waterstone Financial Inc (WSBF) has 593 emplpoyees as of May 11 2026.

What is Waterstone Financial Inc (WSBF) market cap?

Today WSBF has the market capitalization of 337.95M USD.