Waterstone Financial, Inc. (WSBF)

Waterstone Financial Statistics

Total Valuation

WSBF has a market cap or net worth of $264.33 million. The enterprise value is $658.74 million.

Market Cap	264.33M
Enterprise Value	658.74M

Important Dates

The last earnings date was Tuesday, July 22, 2025, after market close.

Earnings Date	Jul 22, 2025
Ex-Dividend Date	Jul 8, 2025

Share Statistics

WSBF has 18.77 million shares outstanding. The number of shares has decreased by -5.13% in one year.

Current Share Class	18.77M
Shares Outstanding	18.77M
Shares Change (YoY)	-5.13%
Shares Change (QoQ)	-1.51%
Owned by Insiders (%)	6.33%
Owned by Institutions (%)	55.75%
Float	16.45M

Valuation Ratios

The trailing PE ratio is 12.45.

PE Ratio	12.45
Forward PE	n/a
PS Ratio	1.91
Forward PS	n/a
PB Ratio	0.74
P/TBV Ratio	0.77
P/FCF Ratio	3.11
P/OCF Ratio	3.08
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	31.82
EV / Sales	4.91
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.76

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.60
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.12%.

Return on Equity (ROE)	6.12%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$223,660
Profits Per Employee	$34,502
Employee Count	600
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSBF has paid $4.94 million in taxes.

Income Tax	4.94M
Effective Tax Rate	19.27%

Stock Price Statistics

The stock price has increased by +1.81% in the last 52 weeks. The beta is 0.72, so WSBF's price volatility has been lower than the market average.

Beta (5Y)	0.72
52-Week Price Change	+1.81%
50-Day Moving Average	13.66
200-Day Moving Average	13.66
Relative Strength Index (RSI)	58.71
Average Volume (20 Days)	49,401

Short Selling Information

The latest short interest is 90,309, so 0.48% of the outstanding shares have been sold short.

Short Interest	90,309
Short Previous Month	90,840
Short % of Shares Out	0.48%
Short % of Float	0.55%
Short Ratio (days to cover)	2.20

Income Statement

In the last 12 months, WSBF had revenue of $134.20 million and earned $20.70 million in profits. Earnings per share was $1.13.

Revenue	134.20M
Gross Profit	134.20M
Operating Income	25.64M
Pretax Income	15.07M
Net Income	20.70M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.13

Balance Sheet

The company has $80.92 million in cash and $475.33 million in debt, giving a net cash position of -$394.40 million or -$21.01 per share.

Cash & Cash Equivalents	80.92M
Total Debt	475.33M
Net Cash	-394.40M
Net Cash Per Share	-$21.01
Equity (Book Value)	341.49M
Book Value Per Share	18.98
Working Capital	-1.37B

Cash Flow

In the last 12 months, operating cash flow was $85.81 million and capital expenditures -$872,000, giving a free cash flow of $84.94 million.

Operating Cash Flow	85.81M
Capital Expenditures	-872,000
Free Cash Flow	84.94M
FCF Per Share	$4.52

Margins

Gross Margin	n/a
Operating Margin	19.10%
Pretax Margin	19.11%
Profit Margin	15.43%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	63.30%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 4.18%.

Dividend Per Share	$0.60
Dividend Yield	4.18%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	53.07%
Buyback Yield	5.13%
Shareholder Yield	9.39%
Earnings Yield	7.83%
FCF Yield	32.13%

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	4