Waterstone Financial, Inc. (WSBF)

Waterstone Financial Statistics

Total Valuation

WSBF has a market cap or net worth of $302.82 million. The enterprise value is $717.57 million.

Market Cap	302.82M
Enterprise Value	717.57M

Important Dates

The last earnings date was Thursday, October 23, 2025, after market close.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Oct 8, 2025

Share Statistics

WSBF has 18.77 million shares outstanding. The number of shares has decreased by -4.13% in one year.

Current Share Class	18.77M
Shares Outstanding	18.77M
Shares Change (YoY)	-4.13%
Shares Change (QoQ)	-1.85%
Owned by Insiders (%)	5.99%
Owned by Institutions (%)	42.89%
Float	16.50M

Valuation Ratios

The trailing PE ratio is 12.19.

PE Ratio	12.19
Forward PE	n/a
PS Ratio	2.12
Forward PS	n/a
PB Ratio	0.82
P/TBV Ratio	0.88
P/FCF Ratio	6.97
P/OCF Ratio	6.81
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	30.03
EV / Sales	5.24
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.51

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	10.97
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.95%.

Return on Equity (ROE)	6.95%
Return on Assets (ROA)	1.06%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$228,433
Profits Per Employee	$39,832
Employee Count	600
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSBF has paid $5.70 million in taxes.

Income Tax	5.70M
Effective Tax Rate	19.26%

Stock Price Statistics

The stock price has increased by +8.05% in the last 52 weeks. The beta is 0.83, so WSBF's price volatility has been lower than the market average.

Beta (5Y)	0.83
52-Week Price Change	+8.05%
50-Day Moving Average	15.34
200-Day Moving Average	14.00
Relative Strength Index (RSI)	63.95
Average Volume (20 Days)	38,445

Short Selling Information

The latest short interest is 125,223, so 0.67% of the outstanding shares have been sold short.

Short Interest	125,223
Short Previous Month	118,508
Short % of Shares Out	0.67%
Short % of Float	0.76%
Short Ratio (days to cover)	2.13

Income Statement

In the last 12 months, WSBF had revenue of $137.06 million and earned $23.90 million in profits. Earnings per share was $1.32.

Revenue	137.06M
Gross Profit	137.06M
Operating Income	29.60M
Pretax Income	29.60M
Net Income	23.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.32

Balance Sheet

The company has $62.13 million in cash and $476.88 million in debt, giving a net cash position of -$414.75 million or -$22.09 per share.

Cash & Cash Equivalents	62.13M
Total Debt	476.88M
Net Cash	-414.75M
Net Cash Per Share	-$22.09
Equity (Book Value)	345.50M
Book Value Per Share	19.59
Working Capital	-1.42B

Cash Flow

In the last 12 months, operating cash flow was $44.44 million and capital expenditures -$973,000, giving a free cash flow of $43.47 million.

Operating Cash Flow	44.44M
Capital Expenditures	-973,000
Free Cash Flow	43.47M
FCF Per Share	$2.32

Margins

Gross Margin	n/a
Operating Margin	21.59%
Pretax Margin	21.60%
Profit Margin	17.44%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	31.71%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 3.72%.

Dividend Per Share	$0.60
Dividend Yield	3.72%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	45.33%
Buyback Yield	4.13%
Shareholder Yield	7.86%
Earnings Yield	7.89%
FCF Yield	14.35%

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