Waterstone Financial, Inc. (WSBF)

Waterstone Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan 22, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	343	246	307	372	518	446
Market Cap Growth	35.29%	-19.68%	-17.57%	-28.14%	16.19%	-7.84%
Last Close Price	18.20	12.74	12.85	14.79	17.55	14.16
PE Ratio	13.75	13.19	32.73	19.10	7.32	5.49
PS Ratio	2.40	1.82	2.35	2.30	1.97	1.53
PB Ratio	0.93	0.73	0.89	1.00	1.20	1.08
P/FCF Ratio	7.86	5.25	-	1.81	3.67	-
P/OCF Ratio	7.69	5.13	-	1.80	3.65	-
Debt / Equity Ratio	1.38	1.35	1.81	1.09	1.11	1.25
Debt / FCF Ratio	10.97	9.78	-	1.97	3.39	-
Return on Equity (ROE)	6.95%	5.47%	2.62%	4.85%	16.74%	20.11%
Return on Assets (ROA)	1.06%	0.84%	0.44%	0.92%	3.22%	3.88%
Earnings Yield	6.99%	7.58%	3.06%	5.24%	13.67%	18.20%
FCF Yield	12.72%	19.06%	-9.22%	55.34%	27.27%	-21.27%
Dividend Yield	3.28%	4.71%	5.45%	5.41%	4.56%	3.95%
Payout Ratio	45.33%	60.30%	163.87%	155.28%	42.93%	38.84%
Buyback Yield / Dilution	4.13%	7.96%	8.24%	8.03%	2.75%	6.25%
Total Shareholder Return	7.58%	12.67%	13.69%	13.44%	7.31%	10.20%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q