Waterstone Financial, Inc. (WSBF)

Waterstone Financial Statistics

Total Valuation

WSBF has a market cap or net worth of $316.71 million. The enterprise value is $653.78 million.

Market Cap	316.71M
Enterprise Value	653.78M

Important Dates

The next estimated earnings date is Tuesday, April 21, 2026, after market close.

Earnings Date	Apr 21, 2026
Ex-Dividend Date	Jan 8, 2026

Share Statistics

WSBF has 17.52 million shares outstanding. The number of shares has decreased by -3.88% in one year.

Current Share Class	17.52M
Shares Outstanding	17.52M
Shares Change (YoY)	-3.88%
Shares Change (QoQ)	-0.93%
Owned by Insiders (%)	5.87%
Owned by Institutions (%)	46.41%
Float	15.37M

Valuation Ratios

The trailing PE ratio is 12.07.

PE Ratio	12.07
Forward PE	n/a
PS Ratio	2.18
Forward PS	n/a
PB Ratio	0.90
P/TBV Ratio	0.90
P/FCF Ratio	n/a
P/OCF Ratio	12.94
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	24.76
EV / Sales	4.56
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.67%.

Return on Equity (ROE)	7.67%
Return on Assets (ROA)	1.18%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.71%
Revenue Per Employee	$238,858
Profits Per Employee	$44,003
Employee Count	600
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSBF has paid $7.04 million in taxes.

Income Tax	7.04M
Effective Tax Rate	21.06%

Stock Price Statistics

The stock price has increased by +27.01% in the last 52 weeks. The beta is 0.81, so WSBF's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	+27.01%
50-Day Moving Average	17.53
200-Day Moving Average	15.29
Relative Strength Index (RSI)	50.02
Average Volume (20 Days)	47,879

Short Selling Information

The latest short interest is 119,841, so 0.68% of the outstanding shares have been sold short.

Short Interest	119,841
Short Previous Month	129,576
Short % of Shares Out	0.68%
Short % of Float	0.78%
Short Ratio (days to cover)	2.13

Income Statement

In the last 12 months, WSBF had revenue of $143.32 million and earned $26.40 million in profits. Earnings per share was $1.48.

Revenue	143.32M
Gross Profit	143.32M
Operating Income	33.13M
Pretax Income	33.45M
Net Income	26.40M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.48

Balance Sheet

The company has $79.42 million in cash and $420.17 million in debt, with a net cash position of -$340.75 million or -$19.45 per share.

Cash & Cash Equivalents	79.42M
Total Debt	420.17M
Net Cash	-340.75M
Net Cash Per Share	-$19.45
Equity (Book Value)	349.39M
Book Value Per Share	19.95
Working Capital	-1.42B

Cash Flow

Operating Cash Flow	24.18M
Capital Expenditures	-1.17M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	23.12%
Pretax Margin	23.34%
Profit Margin	18.42%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 3.35%.

Dividend Per Share	$0.60
Dividend Yield	3.35%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	40.54%
Buyback Yield	3.88%
Shareholder Yield	7.24%
Earnings Yield	8.43%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 23, 2014. It was a forward split with a ratio of 1.0973:1.

Last Split Date	Jan 23, 2014
Split Type	Forward
Split Ratio	1.0973:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3