Waterstone Financial, Inc.
General ticker "WSBF" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $284.0M (TTM average)
Waterstone Financial, Inc. follows the US Stock Market performance with the rate: 50.2%.
Estimated limits based on current volatility of 1.0%: low 20.78$, high 21.20$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-07-08, amount 0.17$ (Y3.20%)
- Total employees count: 593 (-1.2%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Cybersecurity threats, Regulatory and compliance, Interest rate risk
- Current price 12.5% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
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: [14.20$, 18.88$]
- 2026-12-31 to 2027-12-31 estimated range: [14.72$, 19.68$]
Financial Metrics affecting the WSBF estimates:
- Positive: with PPE of 11.1 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 23.57 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 8.23
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 1.15
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Shareholder equity ratio, % of 15.46 <= 18.97
- Negative: Interest expense per share per price, % of 20.20 > 3.34
- Negative: -0.14 < Industry inventory ratio change (median), % of 0
Short-term WSBF quotes
Long-term WSBF plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $131.40MM | $135.47MM | $141.92MM |
| Operating Expenses | $120.37MM | $111.47MM | $108.48MM |
| 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 |
| Net Income(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 | $24.18MM |
| Capital expenditure | $0.70MM | $1.10MM | $1.17MM |
| Investing Cash Flow | $-159.22MM | $-23.96MM | $-8.74MM |
| Financing Cash Flow | $176.58MM | $-20.76MM | $15.91MM |
| 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.