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Waterstone Financial Inc

WSBF

18.050USD

-0.250-1.37%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

331.40MMarket Cap

12.19P/E TTM



Waterstone Financial Inc

18.050

-0.250-1.37%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-02-06

Key Insights

Waterstone Financial Inc's fundamentals are relatively very healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 185 out of 397 in the Banking Services industry.Institutional ownership is very high.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and 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

185 / 397

Overall Ranking

293 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

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 comprehensive suite of personal and business banking products and operates approximately 14 branch locations across southeastern Wisconsin. Its segments include community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Consumer products include loan products, deposit products, and personal investment services. 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 operates through Waterstone Mortgage Corporation, which consists of originating residential mortgage loans primarily for sale in the secondary market. It has nine branch offices in Milwaukee County, four branch offices in Waukesha County and one branch office in Washington County.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 132.67M.

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%.

Overvalued

The company’s latest PB is 0.95, at a high 3-year percentile range.

Held by PRFDX

Star Investor PRFDX holds 1.51K shares of this stock.

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.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Waterstone Financial Inc is 8.21, ranking 146 out of 397 in the Banking Services industry. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 35.00M, representing a year-over-year increase of 18.58%, while its net profit experienced a year-over-year increase of 48.04%.

Score

Industry at a Glance

Previous score

8.21

Change



Financials

8.10

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

8.75

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

8.42

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

7.22

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.54

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Waterstone Financial Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Waterstone Financial Inc is 6.68, ranking 336 out of 397 in the Banking Services industry. Its current P/E ratio is 12.19, which is 152.85% below the recent high of 30.83 and 9.46% 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 185/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

No earnings forecast score is currently available for Waterstone Financial Inc. The Banking Services industry's average is 7.33.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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: 2026-02-06

The current price momentum score of Waterstone Financial Inc is 8.80, ranking 268 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 19.03 and the support level at 16.93, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.16

Change

-0.36

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(2)

Neutral(2)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.016

Buy

RSI(14)

55.730

Neutral

STOCH(KDJ)(9,3,3)

67.162

Sell

ATR(14)

0.714

High Vlolatility

CCI(14)

26.443

Neutral

Williams %R

43.005

Buy

TRIX(12,20)

0.394

Sell

StochRSI(14)

0.000

Oversold

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

18.463

Sell

MA10

18.113

Sell

MA20

17.815

Buy

MA50

17.006

Buy

MA100

16.154

Buy

MA200

14.839

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Waterstone Financial Inc is 5.00, ranking 154 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 55.33%, representing a quarter-over-quarter increase of 9.00%. The largest institutional shareholder is James Simons, holding a total of 1.15M shares, representing 6.27% of shares outstanding, with 3.50% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

WaterStone Bank Employee Stock Ownership Plan

2.28M

Dimensional Fund Advisors, L.P.

1.43M

-0.51%

BlackRock Institutional Trust Company, N.A.

1.38M

-6.70%

Renaissance Technologies LLC

Star Investors

1.15M

+1.47%

The Vanguard Group, Inc.

Star Investors

909.12K

-3.67%

Gordon (Douglas S)

676.13K

-0.89%

State Street Investment Management (US)

423.29K

-3.00%

Geode Capital Management, L.L.C.

383.75K

-5.66%

Bridgeway Capital Management, LLC

245.76K

-44.00%

C.S. McKee

191.01K

-3.16%

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Waterstone Financial Inc is 6.72, ranking 214 out of 397 in the Banking Services industry. The company's beta value is 0.79. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. Waterstone Financial Inc’s latest ESG disclosure leads the Banking Services industry, indicating outstanding, compliant performance across environmental management, social responsibility, and governance, which may help mitigate overall risk.