Historical Valuation
Waterstone Financial Inc (WSBF) is now in the Overvalued zone, suggesting that its current forward PE ratio of 16.30 is considered Overvalued compared with the five-year average of 14.46. The fair price of Waterstone Financial Inc (WSBF) is between 10.83 to 16.31 according to relative valuation methord. Compared to the current price of 16.77 USD , Waterstone Financial Inc is Overvalued By 2.86%.
Relative Value
Fair Zone
10.83-16.31
Current Price：16.77
2.86%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Waterstone Financial Inc (WSBF) has a current Price-to-Book (P/B) ratio of 0.84. Compared to its 3-year average P/B ratio of 0.76 , the current P/B ratio is approximately 10.38% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about -5.05% higher. Waterstone Financial Inc (WSBF) has a Forward Free Cash Flow (FCF) yield of approximately 14.07%. Compared to its 3-year average FCF yield of 13.35%, the current FCF yield is approximately 5.40% lower. Relative to its 5-year average FCF yield of 19.24% , the current FCF yield is about -26.91% lower.
P/B
Median3y
0.76
Median5y
0.89
FCF Yield
Median3y
13.35
Median5y
19.24
Competitors Valuation Multiple
AI Analysis for WSBF
The average P/S ratio for WSBF competitors is 1.23, providing a benchmark for relative valuation. Waterstone Financial Inc Corp (WSBF.O) exhibits a P/S ratio of 2.04, which is 66.27% above the industry average. Given its robust revenue growth of 9.72%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for WSBF
1Y
3Y
5Y
Market capitalization of WSBF increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of WSBF in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is WSBF currently overvalued or undervalued?
Waterstone Financial Inc (WSBF) is now in the Overvalued zone, suggesting that its current forward PE ratio of 16.30 is considered Overvalued compared with the five-year average of 14.46. The fair price of Waterstone Financial Inc (WSBF) is between 10.83 to 16.31 according to relative valuation methord. Compared to the current price of 16.77 USD , Waterstone Financial Inc is Overvalued By 2.86% .
What is Waterstone Financial Inc (WSBF) fair value?
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. The fair price of Waterstone Financial Inc (WSBF) is between 10.83 to 16.31 according to relative valuation methord.
How does WSBF's valuation metrics compare to the industry average?
The average P/S ratio for WSBF's competitors is 1.23, providing a benchmark for relative valuation. Waterstone Financial Inc Corp (WSBF) exhibits a P/S ratio of 2.04, which is 66.27% above the industry average. Given its robust revenue growth of 9.72%, this premium appears unsustainable.
What is the current P/B ratio for Waterstone Financial Inc (WSBF) as of Jan 09 2026?
As of Jan 09 2026, Waterstone Financial Inc (WSBF) has a P/B ratio of 0.84. This indicates that the market values WSBF at 0.84 times its book value.
What is the current FCF Yield for Waterstone Financial Inc (WSBF) as of Jan 09 2026?
As of Jan 09 2026, Waterstone Financial Inc (WSBF) has a FCF Yield of 14.07%. This means that for every dollar of Waterstone Financial Inc’s market capitalization, the company generates 14.07 cents in free cash flow.
What is the current Forward P/E ratio for Waterstone Financial Inc (WSBF) as of Jan 09 2026?
As of Jan 09 2026, Waterstone Financial Inc (WSBF) has a Forward P/E ratio of 16.30. This means the market is willing to pay $16.30 for every dollar of Waterstone Financial Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Waterstone Financial Inc (WSBF) as of Jan 09 2026?
As of Jan 09 2026, Waterstone Financial Inc (WSBF) has a Forward P/S ratio of 2.04. This means the market is valuing WSBF at $2.04 for every dollar of expected revenue over the next 12 months.