(WSBF) Waterstone Financial - Ratings and Ratios
Banking, Mortgage, Loans, Investment, Insurance, Deposits
WSBF EPS (Earnings per Share)
WSBF Revenue
Description: WSBF Waterstone Financial
Waterstone Financial Inc (NASDAQ:WSBF) is a bank holding company that provides a range of financial services to customers in southeastern Wisconsin. The company operates through two segments: Community Banking and Mortgage Banking. Community Banking offers various consumer and business banking products, including deposit and transactional solutions, investable funds, residential mortgages, and business loans. Mortgage Banking focuses on originating residential mortgage loans for sale in the secondary market.
From a financial perspective, Waterstone Financial has a Market Cap of $263.81M USD, indicating a relatively small-cap bank with a localized presence. The companys P/E ratio of 13.56 suggests a moderate valuation compared to its earnings. The Return on Equity (RoE) of 5.51% is relatively low, indicating that the company may not be generating sufficient profits from its shareholders equity. To improve profitability, Waterstone Financial may need to focus on optimizing its asset utilization, reducing costs, or increasing its lending activities.
Some key performance indicators (KPIs) to monitor for Waterstone Financial include its Net Interest Margin (NIM), which measures the difference between interest income and expense; the Efficiency Ratio, which assesses the companys ability to manage its operating expenses; and the Loan-to-Deposit Ratio, which indicates the companys lending activities relative to its deposit base. Additionally, the companys mortgage banking segments production volumes, gain-on-sale margins, and pipeline visibility are crucial in driving revenue growth. By analyzing these KPIs, investors can gain a better understanding of Waterstone Financials financial health and growth prospects.
Waterstone Financials investment portfolio, which includes mortgage-backed securities, government-sponsored and private-label enterprise bonds, and municipal obligations, is another important aspect to consider. The companys ability to manage its investment portfolio effectively, while maintaining a strong capital position and complying with regulatory requirements, will be critical in driving long-term success. As a trading analyst, it is essential to closely monitor these factors to identify potential trading opportunities or risks associated with Waterstone Financial Inc.
WSBF Stock Overview
| Market Cap in USD | 267m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2005-10-05 |
WSBF Stock Ratings
| Growth Rating | -13.7% |
| Fundamental | 66.8% |
| Dividend Rating | 23.0% |
| Return 12m vs S&P 500 | -11.0% |
| Analyst Rating | 3.0 of 5 |
WSBF Dividends
| Dividend Yield 12m | 4.27% |
| Yield on Cost 5y | 5.06% |
| Annual Growth 5y | -14.06% |
| Payout Consistency | 93.1% |
| Payout Ratio | 52.8% |
WSBF Growth Ratios
| Growth Correlation 3m | 69.2% |
| Growth Correlation 12m | -36.9% |
| Growth Correlation 5y | -54.1% |
| CAGR 5y | 4.81% |
| CAGR/Max DD 5y | 0.09 |
| Sharpe Ratio 12m | -0.15 |
| Alpha | -9.17 |
| Beta | 0.747 |
| Volatility | 23.56% |
| Current Volume | 108.3k |
| Average Volume 20d | 37.5k |
| Stop Loss | 14.5 (-3.3%) |
| Signal | 2.50 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (20.7m TTM) > 0 and > 6% of Revenue (6% = 11.7m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 5.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -749.2% (prev -732.1%; Δ -17.04pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 85.8m > Net Income 20.7m (YES >=105%, WARN >=100%) |
| Net Debt (465.7m) to EBITDA (18.0m) ratio: 25.82 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (18.0m) change vs 12m ago -3.04% (target <= -2.0% for YES) |
| Gross Margin 75.20% (prev 67.47%; Δ 7.73pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.60% (prev 8.36%; Δ 0.24pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.25 (EBITDA TTM 18.0m / Interest Expense TTM 64.0m) >= 6 (WARN >= 3) |
Altman Z'' -3.66
| (A) -0.65 = (Total Current Assets 191.2m - Total Current Liabilities 1.66b) / Total Assets 2.26b |
| (B) 0.13 = Retained Earnings (Balance) 282.6m / Total Assets 2.26b |
| (C) 0.01 = EBIT TTM 16.0m / Avg Total Assets 2.27b |
| (D) 0.14 = Book Value of Equity 267.5m / Total Liabilities 1.92b |
| Total Rating: -3.66 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.79
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 12.94% = 5.0 |
| 3. FCF Margin 43.43% = 7.50 |
| 4. Debt/Equity 1.32 = 1.68 |
| 5. Debt/Ebitda 25.07 = -2.50 |
| 6. ROIC - WACC -3.26% = -4.07 |
| 7. RoE 6.07% = 0.51 |
| 8. Rev. Trend 63.89% = 3.19 |
| 9. Rev. CAGR 6.66% = 0.83 |
| 10. EPS Trend 55.77% = 1.39 |
| 11. EPS CAGR 22.50% = 2.25 |
What is the price of WSBF shares?
Over the past week, the price has changed by +2.32%, over one month by +9.58%, over three months by +17.10% and over the past year by +4.16%.
Is Waterstone Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WSBF is around 14.80 USD . This means that WSBF is currently overvalued and has a potential downside of -1.27%.
Is WSBF a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the WSBF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 12.5 | -16.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 16 | 6.5% |
Last update: 2025-08-21 11:40
WSBF Fundamental Data Overview
CCE Cash And Equivalents = 63.5m USD (Cash only, last quarter)
P/E Trailing = 12.6726
P/S = 1.9932
P/B = 0.7773
Beta = 0.723
Revenue TTM = 195.6m USD
EBIT TTM = 16.0m USD
EBITDA TTM = 18.0m USD
Long Term Debt = 210.0m USD (from longTermDebt, last quarter)
Short Term Debt = 242.2m USD (from shortLongTermDebt, last quarter)
Debt = 452.2m USD (Calculated: Short Term 242.2m + Long Term 210.0m)
Net Debt = 465.7m USD (from netDebt column, last quarter)
Enterprise Value = 656.2m USD (267.5m + Debt 452.2m - CCE 63.5m)
Interest Coverage Ratio = 0.25 (Ebit TTM 16.0m / Interest Expense TTM 64.0m)
FCF Yield = 12.94% (FCF TTM 84.9m / Enterprise Value 656.2m)
FCF Margin = 43.43% (FCF TTM 84.9m / Revenue TTM 195.6m)
Net Margin = 10.58% (Net Income TTM 20.7m / Revenue TTM 195.6m)
Gross Margin = 75.20% ((Revenue TTM 195.6m - Cost of Revenue TTM 48.5m) / Revenue TTM)
Tobins Q-Ratio = 2.45 (Enterprise Value 656.2m / Book Value Of Equity 267.5m)
Interest Expense / Debt = 3.31% (Interest Expense 15.0m / Debt 452.2m)
Taxrate = 22.14% (from yearly Income Tax Expense: 5.31m / 24.0m)
NOPAT = 12.4m (EBIT 16.0m * (1 - 22.14%))
Current Ratio = 0.12 (Total Current Assets 191.2m / Total Current Liabilities 1.66b)
Debt / Equity = 1.32 (Debt 452.2m / last Quarter total Stockholder Equity 341.5m)
Debt / EBITDA = 25.07 (Net Debt 465.7m / EBITDA 18.0m)
Debt / FCF = 5.32 (Debt 452.2m / FCF TTM 84.9m)
Total Stockholder Equity = 341.0m (last 4 quarters mean)
RoA = 0.92% (Net Income 20.7m, Total Assets 2.26b )
RoE = 6.07% (Net Income TTM 20.7m / Total Stockholder Equity 341.0m)
RoCE = 2.90% (Ebit 16.0m / (Equity 341.0m + L.T.Debt 210.0m))
RoIC = 1.62% (NOPAT 12.4m / Invested Capital 766.7m)
WACC = 4.88% (E(267.5m)/V(719.7m) * Re(8.77%)) + (D(452.2m)/V(719.7m) * Rd(3.31%) * (1-Tc(0.22)))
Shares Correlation 5-Years: -100.0 | Cagr: -6.74%
Discount Rate = 8.77% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.24% ; FCFE base≈84.9m ; Y1≈55.8m ; Y5≈25.5m
Fair Price DCF = 23.81 (DCF Value 444.7m / Shares Outstanding 18.7m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 63.89 | Revenue CAGR: 6.66%
Rev Growth-of-Growth: -9.60
EPS Correlation: 55.77 | EPS CAGR: 22.50%
EPS Growth-of-Growth: 95.56
Additional Sources for WSBF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle