Waterstone Financial, Inc.
General ticker "WSBF" information:
- Sector: Financials
- Industry: Financial Services
- Capitalization: $253.7M (TTM average)
Waterstone Financial, Inc. follows the US Stock Market performance with the rate: 62.2%.
Estimated limits based on current volatility of 1.0%: low 15.86$, high 16.18$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-10-08, amount 0.15$ (Y3.72%)
- 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
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [13.48$, 17.82$]
- 2025-12-31 to 2026-12-31 estimated range: [13.58$, 18.27$]
Financial Metrics affecting the WSBF estimates:
- Positive: with PPE of 12.9 at the end of fiscal year the price was very low
- Positive: 7.86 < Operating profit margin, % of 12.04
- Positive: Operating cash flow per share per price, % of 19.07 > 13.24
- Negative: Shareholder equity ratio, % of 15.35 <= 18.93
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.84
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
Short-term WSBF quotes
Long-term WSBF plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $171.06MM | $176.97MM | $199.38MM |
| Operating Expenses | $146.58MM | $165.93MM | $175.38MM |
| Operating Income | $24.48MM | $11.03MM | $24.00MM |
| Interest Expense | $13.29MM | $48.99MM | $67.00MM |
| Income(Loss) | $24.48MM | $11.03MM | $24.00MM |
| Taxes | $4.99MM | $1.66MM | $5.31MM |
| Profit(Loss)* | $19.49MM | $9.38MM | $18.69MM |
| Stockholders Equity | $370.49MM | $344.06MM | $339.13MM |
| Assets | $2,031.67MM | $2,213.39MM | $2,209.61MM |
| Operating Cash Flow | $206.66MM | $-27.58MM | $48.06MM |
| Capital expenditure | $0.70MM | $0.70MM | $1.10MM |
| Investing Cash Flow | $-335.74MM | $-159.22MM | $-23.96MM |
| Financing Cash Flow | $-201.00MM | $176.58MM | $-20.76MM |
| Earnings Per Share** | $0.89 | $0.47 | $1.01 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.