Waterstone Financial Inc.

WSBF | NASDAQ

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$20.69

+$0.23 (+1.12%)

At close: Sep 21, 2026, 4:00 PM ET

$20.69

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $369.37M

Enterprise Value $103.42M

Beta 0.71

Average Volume 68.48K

Shares Outstanding (Diluted) 17.31M

Shares Change YoY -3.87%

Institutional Ownership 54.18%

Exchange NASDAQ

ISIN US94188P1012

Price Performance

Price Change 1M -1.9%

Price Change 3M 6.2%

Price Change 6M 12.6%

Price Change YTD 25.7%

Price Change 1Y 27.8%

Price Change 3Y 79.9%

Price Change 5Y 3.2%

1M CAGR (ann.) -2.0%

1Y CAGR (ann.) 41.5%

5Y CAGR (ann.) 5.5%

All-Time CAGR 4.3%

Valuation

PE Ratio 12.03

Forward PE N/A

PEG Ratio 0.23

Forward PEG 0.23

PS Ratio 2.31

Forward PS N/A

PB Ratio 1.06

P/FCF Ratio -73.27

P/Adj. FCF Ratio -68.41

P/OCF Ratio 7.99

EV/Sales 0.64

EV/EBIT 5.20

EV/EBITDA 4.88

EV/FCF -20.29

Earnings Yield 8.3%

FCF Yield -1.4%

Adj. FCF Yield -1.5%

Financial Health

Net Cash $270.1M

Total Debt $0

Cash & Short-Term Investments $270.1M

Total Assets $2.25B

Current Ratio 0.15

Quick Ratio 0.15

Debt / Equity Ratio 1.17

Debt / EBITDA 0.00

Debt / FCF -0.00

OCF / Debt N/A

Interest Coverage 0.35

Altman Z-Score -0.42

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 65.4%

Operating Profit Margin 12.3%

EBITDA Margin 13.1%

Net Profit Margin 18.6%

FCF Margin -3.1%

Adj. FCF Margin -3.4%

SBC / Revenue 0.3%

SBC Impact (per share) -7.1%

Returns

Return on Assets 1.3%

Return on Equity 8.6%

Return on Invested Capital 1.9%

Return on Capital Employed 4.7%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y -1.1%

Revenue CAGR 5Y -12.9%

Revenue CAGR 10Y -0.6%

EPS CAGR 3Y 42.9%

EPS CAGR 5Y -15.0%

EPS CAGR 10Y 9.1%

FCF CAGR 3Y -2.9%

FCF CAGR 5Y -63.0%

FCF CAGR 10Y 11.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.66

EPS Growth Est (next Q) 46.7%

Revenue Est (next Q) $65.8M

Revenue Growth Est (next Q) 93.1%

Fair Value Estimates

Graham Number $28.07

Graham Upside 35.7%

Lynch Fair Value $8.60

Lynch Upside -58.4%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $-3.21M

Free Cash Flow $-5.1M

Adj. Free Cash Flow $-5.46M

FCF Per Share $2.48

OCF Per Share $2.59

OCF/S Ratio 27.6%

Income Statement

Revenue $162.01M

Gross Profit $105.99M

Operating Income $19.9M

EBITDA $21.17M

Net Income $30.1M

EPS (Diluted) $1.72

Revenue / Employee $273.2K

Profit / Employee $50.76K

Employees 593

Dividends

Annual Dividend $0.64

Dividend Yield 3.09%

Payout Ratio 37.2%

FCF Payout Ratio -209.2%

Adj. FCF Payout Ratio -195.3%

Dividend Growth (YoY) 6.7%

Pay Frequency Quarterly

Ex-Dividend Date Jul 7, 2026