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Waterstone Financial Inc

WSBF

15.260USD

+0.100+0.66%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

282.68MMarket Cap

11.83P/E TTM



Waterstone Financial Inc

15.260

+0.100+0.66%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Waterstone Financial Inc

Currency: USD Updated: 2025-11-07

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Waterstone Financial Inc's Score

Industry at a Glance

Industry Ranking

226 / 407

Overall Ranking

397 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Waterstone Financial Inc Highlights

StrengthsRisks

Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank SSB (the Bank). The Bank offers a suite of personal and business banking products. The Company's segments include community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Its consumer products include loan products, deposit products, and personal investment services. Its business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment, which is conducted through Waterstone Mortgage Corporation, consists of originating residential mortgage loans primarily for sale in the secondary market. The Bank has branches in Wauwatosa/State St, Brookfield, Fox Point/North Shore, Franklin/Hales Corners, Germantown/Menomonee Falls, Milwaukee/Oklahoma Ave, Oak Creek/Howell Ave and various others.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 59.39%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 59.39%.

Fairly Valued

The company’s latest PB is 0.82, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 9.48M shares, decreasing 10.02% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 943.74K shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 5.25, which is lower than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 34.86M, representing a year-over-year increase of 9.72%, while its net profit experienced a year-over-year increase of 67.64%.

Score

Industry at a Glance

Previous score

5.25

Change



Financials

7.72

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

4.26

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.70

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

6.35

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.20

Key Metrics

Free cash flow

No Data

Waterstone Financial Inc's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 6.68, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 11.52, which is 167.55% below the recent high of 30.83 and 4.19% above the recent low of 11.04.

Score

Industry at a Glance

Previous score

6.68

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 226/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-07

The company’s current price momentum score is 7.07, which is lower than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 15.86 and the support level at 14.59, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.97

Change

0.1

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(3)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.010

Buy

RSI(14)

51.958

Neutral

STOCH(KDJ)(9,3,3)

30.712

Sell

ATR(14)

0.368

High Vlolatility

CCI(14)

5.963

Neutral

Williams %R

47.321

Neutral

TRIX(12,20)

0.051

Sell

StochRSI(14)

40.850

Sell

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

15.262

Sell

MA10

15.338

Sell

MA20

15.115

Buy

MA50

15.170

Buy

MA100

14.502

Buy

MA200

13.857

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-07

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 51.19%, representing a quarter-over-quarter decrease of 29.16%. The largest institutional shareholder is James Simons, holding a total of 1.13M shares, representing 6.13% of shares outstanding, with 0.65% decrease in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

WaterStone Bank Employee Stock Ownership Plan

2.28M

BlackRock Institutional Trust Company, N.A.

1.48M

-5.04%

Dimensional Fund Advisors, L.P.

1.43M

-3.19%

Renaissance Technologies LLC

Star Investors

1.13M

-1.83%

The Vanguard Group, Inc.

Star Investors

943.74K

+0.77%

Gordon (Douglas S)

676.13K

-0.89%

Bridgeway Capital Management, LLC

438.84K

+1.90%

State Street Investment Management (US)

436.37K

-3.11%

Geode Capital Management, L.L.C.

406.75K

+1.02%

C.S. McKee

197.25K

Risk Assessment

Currency: USD Updated: 2025-11-07

The company’s current risk assessment score is 6.19, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.82. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.