WSBF Valuation

Waterstone Financial Inc

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16.190

+1.02(6.724%)1D

Overview
Forecast
Valuation
Earnings

WSBF Relative Valuation

WSBF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, WSBF is overvalued; if below, it's undervalued.

Historical Valuation

Waterstone Financial Inc (WSBF) is now in the Fair zone, suggesting that its current forward PE ratio of 15.02 is considered Fairly compared with the five-year average of 13.94. The fair price of Waterstone Financial Inc (WSBF) is between 10.52 to 16.60 according to relative valuation methord.

Relative Value

Fair Zone

10.52-16.60

Current Price：15.17

Fair

16.03

Trailing

Forward

0.00

EV/EBITDA

Waterstone Financial Inc. (WSBF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Waterstone Financial Inc. (WSBF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

1.88

Waterstone Financial Inc. (WSBF) has a current PS of 1.88. The 5-year average PS is 2.04. The thresholds are as follows: Strongly Undervalued below 1.20, Undervalued between 1.20 and 1.62, Fairly Valued between 2.47 and 1.62, Overvalued between 2.47 and 2.89, and Strongly Overvalued above 2.89. The current Forward PS of 1.88 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Waterstone Financial Inc. (WSBF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Waterstone Financial Inc. (WSBF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Waterstone Financial Inc (WSBF) has a current Price-to-Book (P/B) ratio of 0.80. Compared to its 3-year average P/B ratio of 0.78 , the current P/B ratio is approximately 2.97% higher. Relative to its 5-year average P/B ratio of 0.90, the current P/B ratio is about -11.08% higher. Waterstone Financial Inc (WSBF) has a Forward Free Cash Flow (FCF) yield of approximately 29.83%. Compared to its 3-year average FCF yield of 16.39%, the current FCF yield is approximately 81.99% lower. Relative to its 5-year average FCF yield of 16.96% , the current FCF yield is about 75.87% lower.

0.85

P/B

Median3y

0.78

Median5y

0.90

29.83

FCF Yield

Median3y

16.39

Median5y

16.96

Competitors Valuation Multiple

The average P/S ratio for WSBF's competitors is 1.66, providing a benchmark for relative valuation. Waterstone Financial Inc Corp (WSBF) exhibits a P/S ratio of 1.88, which is 13.09% above the industry average. Given its robust revenue growth of 2.54%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

WSBF.O

Waterstone Financial Inc

Antalpha Platform Holding Co

Oportun Financial Corp

Greystone Housing Impact Investors LP

Security National Financial Corp

Loss

4.27%

226.31M

Performance Decomposition

Market capitalization of WSBF increased by 6.83% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 16.47 to 21.73.

The secondary factor is the Revenue Growth, contributed 2.54%to the performance.

Overall, the performance of WSBF in the past 1 year is driven by Margin Expansion. Which is more sustainable.

2.54%

34.68M → 35.56M

Revenue Growth

31.94%

16.47 → 21.73

Margin Expansion

-27.65%

19.79 → 14.32

P/E Change

6.83%