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Waterstone Financial, Inc. (WSBF)

Stock Price: $15.68 USD -0.21 (-1.32%)
Updated Aug 13, 2020 4:00 PM EDT - Market closed
After-hours: $15.68 -0.01 (-0.03%) Aug 13, 4:00 PM

Stock Price Chart

Key Info

Market Cap 406.22M
Revenue (ttm) 216.69M
Net Income (ttm) 46.74M
Shares Out 25.91M
EPS (ttm) 1.84
PE Ratio 8.52
Forward PE n/a
Dividend $0.48
Dividend Yield 3.06%

Stock Quote

Trading Day Aug 13, 2020
Last Price $15.68
Previous Close $15.89
Change ($) -0.21
Change (%) -1.32%
Day's Open 15.80
Day's Range 15.64 - 15.86
Day's Volume 47,429
52-Week Range 12.10 - 19.48

More Stats

Market Cap 406.22M
Enterprise Value 928.40M
Earnings Date (est) n/a
Ex-Dividend Date Apr 8, 2020
Shares Outstanding 25.91M
Float 20.77M
EPS (basic) 1.86
EPS (diluted) 1.84
FCF / Share -3.21
Dividend $0.48
Dividend Yield 3.06%
Earnings Yield 11.73%
FCF Yield n/a
Payout Ratio n/a
Shares Short 520,055
Short Ratio 3.95
Short % of Float 1.75%
Beta 0.26
PE Ratio 8.52
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 1.87
PB Ratio 1.06
Revenue 216.69M
Operating Income 62.23M
Net Income 46.74M
Free Cash Flow -78.42M
Net Cash -522.18M
Net Cash / Share -20.16
Gross Margin 84.84%
Operating Margin 28.72%
Profit Margin 21.60%
FCF Margin -36.19%
ROA 2.21%
ROE 12.10%
ROIC n/a
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$17.00*
Low
17.0
Current: $15.68
High
17.0
Target: 17.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue18417317616914112512212567.6762.83
Revenue Growth6%-1.63%4.06%19.86%13.33%1.84%-1.9%84.5%7.71%-
Gross Profit18417317616914112512212567.6762.83
Operating Income47.5740.2844.4341.9925.8219.9123.3322.71-6.91-1.80
Net Income35.9030.7525.9625.5316.5712.7314.7134.91-7.47-1.85
Shares Outstanding26.0227.3627.4727.0429.1633.4134.1934.0833.9433.79
Earnings Per Share1.371.110.930.930.560.380.431.02-0.22-0.06
EPS Growth23.42%19.35%0%66.07%47.37%-11.63%-57.84%---
Dividend Per Share0.980.980.980.260.200.15----
Dividend Growth0%0%276.92%30%33.33%-----
Operating Cash Flow-40.2242.94107-24.06-12.99-2.2252.28-8.1435.09-13.13
Capital Expenditures-3.11-3.96-1.58-1.09-2.97-1.95-5.36-1.67-1.02-0.93
Free Cash Flow-43.3338.97106-25.15-15.96-4.1746.92-9.8134.07-14.05
Cash & Equivalents74.3086.1048.6147.2210017342971.4780.3875.33
Total Debt484435386387441434455480461457
Net Cash / Debt-409-349-338-340-341-261-26.03-408-381-382
Assets1,9961,9151,8061,7911,7631,7831,9471,6611,7131,809
Liabilities1,6031,5161,3941,3801,3711,3331,7331,4581,5461,637
Book Value394400412411392450214203166172
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Waterstone Financial, Inc.
Country United States
Employees 824
CEO Douglas S. Gordon

Stock Information

Ticker Symbol WSBF
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: WSBF

Description

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates through two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, and money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposit, and individual retirement accounts, as well as certificates of deposit; lending solutions consisting of residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, and insurance products, as well as trust and investment management accounts. The Mortgage Banking segment provides residential mortgage loans for the purpose of sale in the secondary market. The company also provides transaction deposit, demand deposit, and non-interest bearing demand accounts, as well as time deposits; construction and land loans; and term loans for working capital, inventory, and general corporate use. In addition, it invests in a portfolio of securities, which include mortgage-backed securities, government-sponsored enterprise bonds, municipal obligations, and other debt securities. Waterstone Financial, Inc. operates 11 full-service banking offices, 1 drive-through office, and 11 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin, as well as a loan production office in Minneapolis, Minnesota. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.