Waterstone Financial, Inc.
General ticker "WSBF" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $253.2M (TTM average)
Waterstone Financial, Inc. follows the US Stock Market performance with the rate: 61.3%.
Estimated limits based on current volatility of 1.5%: low 17.58$, high 18.13$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-01-08, amount 0.15$ (Y3.41%)
- Total employees count: 600 (-14.0%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Operational and conduct risks, Lending risk, ESG risks, Fraud risk
- Price in estimated range
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [13.86$, 18.48$]
- 2026-12-31 to 2027-12-31 estimated range: [14.23$, 19.13$]
Financial Metrics affecting the WSBF estimates:
- Positive: with PPE of 12.5 at the end of fiscal year the price was very low
- Positive: 7.67 < Operating profit margin, % of 16.59
- Negative: Shareholder equity ratio, % of 15.46 <= 19.40
- Negative: -0.16 < Industry inventory ratio change (median), % of 0
- Positive: Industry earnings per price (median), % of 6.60 > 4.49
- Positive: 5.46 < Industry operating cash flow per share per price (median), % of 9.78
Short-term WSBF quotes
Long-term WSBF plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $176.97MM | $199.38MM | $201.61MM |
| Operating Expenses | $165.93MM | $175.38MM | $168.16MM |
| Operating Income | $11.03MM | $24.00MM | $33.45MM |
| Interest Expense | $48.99MM | $67.00MM | $59.37MM |
| Income(Loss) | $11.03MM | $24.00MM | $33.45MM |
| Taxes | $1.66MM | $5.31MM | $7.04MM |
| Profit(Loss)* | $9.38MM | $18.69MM | $26.40MM |
| Stockholders Equity | $344.06MM | $339.13MM | $349.39MM |
| Assets | $2,213.39MM | $2,209.61MM | $2,259.51MM |
| Operating Cash Flow | $-27.58MM | $48.06MM | $1.68MM |
| Capital expenditure | $0.70MM | $1.10MM | $0.00MM |
| Investing Cash Flow | $-159.22MM | $-23.96MM | $0.00MM |
| Financing Cash Flow | $176.58MM | $-20.76MM | $-1.24MM |
| Earnings Per Share** | $0.47 | $1.01 | $1.48 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.