Waterstone Financial, Inc. (WSBF)

Waterstone Financial Statistics

Total Valuation

WSBF has a market cap or net worth of $324.21 million. The enterprise value is $692.59 million.

Market Cap	324.21M
Enterprise Value	692.59M

Important Dates

The last earnings date was Thursday, April 23, 2026, after market close.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	Apr 8, 2026

Share Statistics

WSBF has 17.32 million shares outstanding. The number of shares has decreased by -4.05% in one year.

Current Share Class	17.32M
Shares Outstanding	17.32M
Shares Change (YoY)	-4.05%
Shares Change (QoQ)	-0.44%
Owned by Insiders (%)	7.23%
Owned by Institutions (%)	47.55%
Float	14.95M

Valuation Ratios

The trailing PE ratio is 11.29.

PE Ratio	11.29
Forward PE	n/a
PS Ratio	2.18
Forward PS	n/a
PB Ratio	0.93
P/TBV Ratio	0.93
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.59
EV / Sales	4.66
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 8.52%.

Return on Equity (ROE)	8.52%
Return on Assets (ROA)	1.33%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.65%
Revenue Per Employee	$250,440
Profits Per Employee	$49,516
Employee Count	593
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSBF has paid $7.75 million in taxes.

Income Tax	7.75M
Effective Tax Rate	20.89%

Stock Price Statistics

The stock price has increased by +52.69% in the last 52 weeks. The beta is 0.73, so WSBF's price volatility has been lower than the market average.

Beta (5Y)	0.73
52-Week Price Change	+52.69%
50-Day Moving Average	18.09
200-Day Moving Average	16.40
Relative Strength Index (RSI)	61.35
Average Volume (20 Days)	64,038

Short Selling Information

The latest short interest is 164,840, so 0.95% of the outstanding shares have been sold short.

Short Interest	164,840
Short Previous Month	180,081
Short % of Shares Out	0.95%
Short % of Float	1.10%
Short Ratio (days to cover)	1.99

Income Statement

In the last 12 months, WSBF had revenue of $148.51 million and earned $29.36 million in profits. Earnings per share was $1.66.

Revenue	148.51M
Gross Profit	148.51M
Operating Income	36.82M
Pretax Income	37.12M
Net Income	29.36M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.66

Balance Sheet

The company has $44.65 million in cash and $413.03 million in debt, with a net cash position of -$368.38 million or -$21.27 per share.

Cash & Cash Equivalents	44.65M
Total Debt	413.03M
Net Cash	-368.38M
Net Cash Per Share	-$21.27
Equity (Book Value)	348.21M
Book Value Per Share	20.04
Working Capital	-1.21B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	24.79%
Pretax Margin	24.99%
Profit Margin	19.77%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.63%.

Dividend Per Share	$0.68
Dividend Yield	3.63%
Dividend Growth (YoY)	3.33%
Years of Dividend Growth	n/a
Payout Ratio	37.41%
Buyback Yield	4.05%
Shareholder Yield	7.68%
Earnings Yield	9.06%
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	2