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Waterstone Financial, Inc. WSBF

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Price alert · WSBF

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19.55 USD -0.28 -1.41%

At close

19.61 +0.06 +0.31%

Pre-market · Nov 2, 6:44 AM ET

Bid
19.54 × 2
Ask
19.64 × 2
19.53 Day range 19.87
15.05 52-week range 21.66
YTD
+18.13%
1 year
+27.78%
Open
19.80
Prev close
19.83
Mkt cap
351.45M
Vol
39.94K
Avg vol
72.34K
EPS
1.73
P/E
11.30
Div yield
3.43%
More statistics
Low
19.53
High
19.87
Forward P/E
13.32
Beta
0.64
Short ratio
2.61
Inst. own
52.28%
Dividend
0.60
Ex-div date
Jan 7, 2025
Earnings
Feb 4, 2025
50-d avg
14.98
200-d avg
13.58
1y target
0.00

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Financial health

Altman Z-Score

-0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 11.2×
FY 2016: 19.6×FY 2017: 17.9×FY 2018: 15.0×FY 2019: 13.8×FY 2020: 5.7×FY 2021: 7.3×FY 2022: 19.4×FY 2023: 30.2×FY 2024: 13.3×FY 2025: 11.2×
FY 2016 5y median 13.3× FY 2025
P/S 1.5×
FY 2016: 2.7×FY 2017: 2.5×FY 2018: 2.4×FY 2019: 2.4×FY 2020: 1.4×FY 2021: 1.9×FY 2022: 2.2×FY 2023: 1.6×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.6× FY 2025
P/B 0.8×
FY 2016: 1.2×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 16.5×
FY 2016: -19.8×FY 2017: 4.4×FY 2018: 12.2×FY 2019: -11.4×FY 2020: -4.9×FY 2021: 3.7×FY 2022: 1.8×FY 2023: -10.1×FY 2024: 5.3×FY 2025: 16.5×
FY 2016 5y median 3.7× FY 2025
EV/EBITDA 17.9×
FY 2016: 19.1×FY 2017: 17.7×FY 2018: 18.5×FY 2019: 17.5×FY 2020: 7.8×FY 2021: 6.5×FY 2022: 25.5×FY 2023: 50.3×FY 2024: 24.9×FY 2025: 17.9×
FY 2016 5y median 24.9× FY 2025
EV/Sales 3.2×
FY 2016: 4.6×FY 2017: 4.4×FY 2018: 4.4×FY 2019: 4.4×FY 2020: 2.8×FY 2021: 2.4×FY 2022: 4.3×FY 2023: 4.1×FY 2024: 3.3×FY 2025: 3.2×
FY 2016 5y median 3.3× FY 2025
FCF Yield 6.0%
FY 2016: -5.1%FY 2017: 22.5%FY 2018: 8.2%FY 2019: -8.8%FY 2020: -20.6%FY 2021: 27.2%FY 2022: 54.6%FY 2023: -9.9%FY 2024: 18.8%FY 2025: 6.0%
FY 2016 5y median 18.8% FY 2025

Profitability

Gross Margin 71.2%
FY 2016: 89.0%FY 2017: 91.9%FY 2018: 90.2%FY 2019: 87.1%FY 2020: 90.1%FY 2021: 96.1%FY 2022: 91.7%FY 2023: 71.9%FY 2024: 66.5%FY 2025: 71.2%
FY 2016 5y median 71.9% FY 2025
Operating Margin 16.6%
FY 2016: 22.4%FY 2017: 23.6%FY 2018: 21.4%FY 2019: 23.0%FY 2020: 34.0%FY 2021: 34.3%FY 2022: 14.3%FY 2023: 6.2%FY 2024: 12.0%FY 2025: 16.6%
FY 2016 5y median 14.3% FY 2025
Net Margin 13.1%
FY 2016: 13.6%FY 2017: 13.8%FY 2018: 16.3%FY 2019: 17.3%FY 2020: 25.5%FY 2021: 26.4%FY 2022: 11.4%FY 2023: 5.3%FY 2024: 9.4%FY 2025: 13.1%
FY 2016 5y median 11.4% FY 2025
ROE 7.6%
FY 2016: 6.2%FY 2017: 6.3%FY 2018: 7.7%FY 2019: 9.1%FY 2020: 19.6%FY 2021: 16.4%FY 2022: 5.3%FY 2023: 2.7%FY 2024: 5.5%FY 2025: 7.6%
FY 2016 5y median 5.5% FY 2025
ROIC 3.2%
FY 2016: 3.0%FY 2017: 3.1%FY 2018: 3.5%FY 2019: 3.9%FY 2020: 8.1%FY 2021: 7.2%FY 2022: 2.3%FY 2023: 0.9%FY 2024: 2.2%FY 2025: 3.2%
FY 2016 5y median 2.3% FY 2025
ROA 1.2%
FY 2016: 1.4%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 1.8%FY 2020: 3.7%FY 2021: 3.2%FY 2022: 1.0%FY 2023: 0.4%FY 2024: 0.8%FY 2025: 1.2%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 1.1%
FY 2016: 12.5%FY 2017: 0.7%FY 2018: 0.0%FY 2019: 9.9%FY 2020: 53.4%FY 2021: -15.5%FY 2022: -36.3%FY 2023: 3.5%FY 2024: 12.7%FY 2025: 1.1%
FY 2016 FY 2025
Operating Income 39.3%
FY 2016: 62.6%FY 2017: 5.8%FY 2018: -9.3%FY 2019: 18.1%FY 2020: 127.3%FY 2021: -14.8%FY 2022: -73.4%FY 2023: -54.9%FY 2024: 117.6%FY 2025: 39.3%
FY 2016 FY 2025
EPS (diluted) 46.5%
FY 2016: 66.1%FY 2017: 0.0%FY 2018: 19.4%FY 2019: 23.4%FY 2020: 140.9%FY 2021: -10.3%FY 2022: -69.9%FY 2023: -48.3%FY 2024: 119.6%FY 2025: 46.5%
FY 2016 FY 2025
Free Cash Flow -62.0%
FY 2016: -57.6%FY 2017: 519.6%FY 2018: -64.4%FY 2019: -215.4%FY 2020: -118.8%FY 2021: 249.0%FY 2022: 45.8%FY 2023: -113.7%FY 2024: 266.1%FY 2025: -62.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.5×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.5×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.2×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 9.7×
FY 2016: 8.1×FY 2017: 7.6×FY 2018: 8.3×FY 2019: 8.1×FY 2020: 3.8×FY 2021: 1.2×FY 2022: 12.3×FY 2023: 30.4×FY 2024: 15.5×FY 2025: 9.7×
FY 2016 5y median 12.3× FY 2025
Interest Coverage 0.6×
FY 2016: 2.1×FY 2017: 2.7×FY 2018: 2.1×FY 2019: 1.7×FY 2020: 4.3×FY 2021: 6.4×FY 2022: 1.8×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 1.4%FY 2017: 5.8%FY 2018: 5.9%FY 2019: 5.2%FY 2020: 6.8%FY 2021: 5.9%FY 2022: 8.0%FY 2023: 5.4%FY 2024: 4.5%FY 2025: 3.6%
FY 2016 5y median 5.4% FY 2025
Payout Ratio 40.8%
FY 2016: 27.1%FY 2017: 103.8%FY 2018: 88.0%FY 2019: 72.3%FY 2020: 38.8%FY 2021: 42.9%FY 2022: 155.3%FY 2023: 163.9%FY 2024: 60.3%FY 2025: 40.8%
FY 2016 5y median 60.3% FY 2025

Annual · latest fiscal year ends 2025-12-31