WSBF Stock Price, Waterstone Financial Inc Quote, Chart

Market Summary

USD13.13+0.29

Delayed

2.26%

WSBF Stock Price

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WSBF RSI Chart

WSBF Valuation

Market Cap

257.9M

Price/Earnings (Trailing)

25.14

Price/Sales (Trailing)

3.14

EV/EBITDA

13.56

Price/Free Cashflow

-35.98

WSBF Price/Sales (Trailing)

WSBF Profitability

EBT Margin

15.83%

Return on Equity

3.03%

Return on Assets

0.46%

Free Cashflow Yield

-2.78%

WSBF Fundamentals

WSBF Revenue

Revenue (TTM)

82.2M

Rev. Growth (Yr)

-2.93%

Rev. Growth (Qtr)

39.72%

WSBF Earnings

Earnings (TTM)

10.3M

Earnings Growth (Yr)

40.97%

Earnings Growth (Qtr)

7.7K%

Breaking Down WSBF Revenue

Last 7 days

6.5%

Last 30 days

20.0%

Last 90 days

1.5%

Trailing 12 Months

-4.6%

How does WSBF drawdown profile look like?

WSBF Financial Health

Debt/Equity

1.88

Debt/Cashflow

-0.01

WSBF Investor Care

Dividend Yield

4.95%

Dividend/Share (TTM)

0.65

Buy Backs (1Y)

9.30%

Diluted EPS (TTM)

0.52

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	82.2M	0	0	0
2023	105.0M	97.3M	92.1M	82.9M
2022	162.0M	141.2M	115.7M	98.2M
2021	109.7M	140.8M	172.0M	203.2M
2020	138.0M	169.7M	207.9M	78.5M
2019	117.3M	119.1M	122.6M	130.8M
2018	123.7M	119.7M	120.7M	118.2M
2017	130.9M	131.7M	127.4M	124.4M
2016	103.9M	109.2M	118.1M	126.4M
2015	89.5M	97.4M	102.0M	104.5M
2014	81.8M	78.3M	81.2M	84.6M
2013	0	90.1M	88.9M	87.8M
2012	0	0	67.2M	91.2M
2011	0	0	0	43.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Waterstone Financial Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 23, 2024	gordon douglas s	acquired	-	-	50,000	-
Mar 06, 2024	glynn julie ann	acquired	-	-	1,443	senior vice president
Mar 06, 2024	bruss william f	acquired	-	-	2,289	coo/general counsel
Mar 06, 2024	gerke mark raymond	acquired	-	-	1,568	cfo / sr. vice president
Mar 06, 2024	bruss william f	sold (taxes)	-8,444	12.15	-695	coo/general counsel
Mar 06, 2024	gordon douglas s	acquired	-	-	5,332	ceo
Mar 06, 2024	gerke mark raymond	sold (taxes)	-6,791	12.15	-559	cfo / sr. vice president
Mar 06, 2024	glynn julie ann	sold (taxes)	-6,245	12.15	-514	senior vice president
Mar 06, 2024	gordon ryan j	acquired	-	-	1,380	evp/chief credit officer
Jan 26, 2024	mcguiness jeffrey r	sold (taxes)	-46,191	14.04	-3,290	subsidary president

Which funds bought or sold WSBF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-39.74	-19,886	21,237	-%
May 15, 2024	AQR CAPITAL MANAGEMENT LLC	reduced	-28.78	-102,061	159,915	-%
May 15, 2024	Aquatic Capital Management LLC	sold off	-100	-16,000	-	-%
May 15, 2024	D. E. Shaw & Co., Inc.	new	-	150,555	150,555	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-57.99	-376,168	211,612	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	reduced	-15.13	-406,468	1,084,600	-%
May 15, 2024	Curi RMB Capital, LLC	unchanged	-	-36,934	221,421	-%
May 15, 2024	Mariner, LLC	reduced	-1.12	-23,590	131,034	-%
May 15, 2024	Royal Bank of Canada	reduced	-20.3	-87,000	187,000	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-22.35	-263,536	524,308	-%

Are Funds Buying or Selling WSBF?

Are funds buying WSBF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own WSBF

No. of Funds

Unveiling Waterstone Financial Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	renaissance technologies llc	6.27%	1,273,136	SC 13G/A
Feb 12, 2024	principal financial group inc	11.20%	2,275,957	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	8.0%	1,652,359	SC 13G/A
Jan 25, 2024	blackrock inc.	8.1%	1,671,665	SC 13G/A
Feb 13, 2023	renaissance technologies llc	6.07%	1,346,636	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	8.5%	1,887,890	SC 13G/A
Feb 07, 2023	blackrock inc.	7.9%	1,761,298	SC 13G/A
Feb 07, 2023	principal financial group inc	10.58%	2,345,712	SC 13G/A
Feb 11, 2022	renaissance technologies llc	7.23%	1,791,703	SC 13G/A
Feb 08, 2022	dimensional fund advisors lp	7.4%	1,856,166	SC 13G/A

Recent SEC filings of Waterstone Financial Inc

View All Filings

Date Filed	Form Type	Document
May 08, 2024	10-Q	Quarterly Report
Apr 30, 2024	8-K	Current Report
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	8-K	Current Report
Apr 23, 2024	8-K	Current Report
Apr 11, 2024	ARS	ARS
Apr 11, 2024	DEF 14A	DEF 14A
Mar 22, 2024	8-K	Current Report
Mar 19, 2024	4	Insider Trading

Peers (Alternatives to Waterstone Financial Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Waterstone Financial Inc News

Latest updates

Waterstone Financial Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	39.7%	21.00	15.00	22.00	24.00	22.00	24.00	27.00	31.00	15.00	42.00	53.00	52.00	56.00	66.00	76.00	67.00	31.00	34.00	37.00	35.00	24.00
EBITDA Margin	-0.8%	0.77*	0.78*	0.76*	0.78*	0.79*	0.87*	0.85*	0.81*	0.80*	0.76*	1.03*	1.33*	-	-	-	-	-	-	-	-	-
Interest Expenses	-5.3%	11.00	12.00	12.00	13.00	14.00	16.00	15.00	14.00	12.00	13.00	14.00	14.00	14.00	14.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00
Income Taxes	411.7%	2.00	-0.56	1.00	1.00	1.00	-0.28	2.00	2.00	2.00	3.00	5.00	6.00	7.00	9.00	9.00	7.00	2.00	3.00	4.00	3.00	2.00
Earnings Before Taxes	901.3%	5.00	-0.59	4.00	5.00	3.00	1.00	7.00	10.00	7.00	16.00	24.00	24.00	28.00	37.00	35.00	28.00	8.00	12.00	14.00	13.00	9.00
EBT Margin	18.9%	0.16*	0.13*	0.13*	0.16*	0.19*	0.25*	0.34*	0.40*	0.44*	0.45*	0.66*	0.88*	-	-	-	-	-	-	-	-	-
Net Income	7695.0%	3.00	-0.04	3.00	4.00	2.00	1.00	5.00	8.00	5.00	13.00	19.00	18.00	21.00	28.00	26.00	21.00	6.00	9.00	11.00	10.00	7.00
Net Income Margin	10.3%	0.12*	0.11*	0.11*	0.13*	0.16*	0.20*	0.27*	0.32*	0.34*	0.35*	0.50*	0.66*	-	-	-	-	-	-	-	-	-
Free Cashflow	-629.4%	-10.33	-1.42	45.00	-40.18	-31.44	71.00	17.00	-24.77	142	18.00	47.00	17.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.0%	2,235	2,213	2,221	2,230	2,114	2,032	1,975	1,941	2,005	2,216	2,234	2,202	2,189	2,185	2,221	2,218	2,057	1,996	2,005	2,015	1,929
Cash Equivalents	-100.0%	-	31.00	56.00	53.00	46.00	34.00	37.00	87.00	248	71.00	359	229	198	44.00	87.00	77.00	59.00	55.00	66.00	70.00	105
Net PPE	-0.3%	20.00	20.00	20.00	20.00	21.00	21.00	21.00	22.00	22.00	22.00	23.00	23.00	23.00	24.00	24.00	24.00	25.00	25.00	25.00	25.00	24.00
Liabilities	1.5%	1,897	1,869	1,875	1,874	1,749	1,661	1,599	1,555	1,592	1,783	1,792	1,770	1,767	1,771	1,821	1,832	1,685	1,603	1,618	1,628	1,544
Short Term Borrowings	-0.9%	146	147	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.00	-	-	-
Long Term Debt	3.8%	634	611	588	615	502	387	320	281	326	477	475	475	491	508	552	599	522	484	516	519	448
Shareholder's Equity	-1.8%	338	344	346	356	366	370	376	386	412	433	443	432	431	413	399	386	372	394	387	387	384
Retained Earnings	0.1%	270	270	273	272	272	274	278	276	273	273	277	263	262	245	229	206	188	197	192	184	177
Additional Paid-In Capital	-5.1%	99.00	104	110	117	123	129	131	138	161	175	179	182	183	181	183	193	199	212	212	332	331
Shares Outstanding	-2.0%	20.00	20.00	21.00	21.00	22.00	22.00	21.00	23.00	23.00	24.00	24.00	24.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	310	-	-	-	387	-	-	-	496	-	-	-	383	-	-	-	471	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-894.8%	-9,938	-999	44,885	-40,079	-31,384	71,468	17,034	-24,441	142,604	18,334	46,759	17,522	59,391	22,768	17,859	-96,546	-37,663	28,072	29,586	-115,641	17,764
Share Based Compensation	-89.1%	6.00	55.00	34.00	82.00	106	115	138	160	170	181	194	195	175	163	164	175	214	235	234	229	369
Cashflow From Investing	99.0%	-146	-14,439	-32,036	-66,208	-46,541	-159,973	-75,017	-67,083	-33,669	27,772	68,185	28,697	35,411	52,254	19,625	-19,511	-15,177	-1,761	-11,471	9,136	2,944
Cashflow From Financing	285.7%	19,377	-10,434	-11,746	113,285	85,475	62,206	8,731	-64,813	-207,127	-27,998	14,931	-15,881	8,832	-66,817	-27,841	133,852	37,664	-18,201	-22,070	71,817	-1,976
Dividend Payments	-100.0%	-	2,955	4,088	4,123	4,197	4,212	4,277	4,548	17,223	4,112	4,756	16,673	4,847	9,822	2,939	16,345	2,414	3,071	3,115	17,146	2,628
Buy Backs	-13.6%	5,346	6,189	6,680	7,322	5,841	2,634	7,250	24,191	13,755	5,514	3,506	1,149	7.00	3,520	12,326	6,151	14,245	40.00	8,301	6,457	7,969

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WSBF Income Statement

2024-03-31

Consolidated Statements of Income (Unaudited) - USD ($)
shares in Thousands, $ in Thousands

3 Months Ended

Mar. 31, 2024

Mar. 31, 2023

Loans

$ 24,484

$ 19,885

Mortgage-related securities

1,098

943

Debt securities, federal funds sold and short-term investments

1,323

1,062

Total interest income

26,905

21,890

Interest expense:

Deposits

8,970

4,088

Borrowings

6,798

4,007

Total interest expense

15,768

8,095

Net interest income

11,137

13,795

Provision for credit losses

^[1]

67

460

Net interest income after provision for credit losses

^[1]

11,070

13,335

Noninterest income:

Service charges on loans and deposits

424

430

Increase in cash surrender value of life insurance

348

325

Mortgage banking income

20,068

16,770

Other

408

1,029

Total noninterest income

21,248

18,554

Noninterest expenses:

Compensation, payroll taxes, and other employee benefits

19,876

20,052

Occupancy, office furniture, and equipment

2,108

2,263

Advertising

914

889

Data processing

1,206

1,122

Communications

226

251

Professional fees

743

416

Real estate owned

13

1

Loan processing expense

1,046

1,018

Other

1,418

3,095

Total noninterest expenses

27,550

29,107

Income before income taxes

4,768

2,782

Income tax expense

1,730

627

Net income

$ 3,038

$ 2,155

Income per share:

Basic earnings per share (in dollars per share)

$ 0.16

$ 0.1

Diluted earnings per share (in dollars per share)

$ 0.16

$ 0.1

Weighted average shares outstanding:

Basic (in shares)

19,021

20,890

Diluted (in shares)

19,036

20,980

[1]	The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

About Waterstone Financial Inc

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.

CEO	Mr. Douglas S. Gordon
WEBSITE	wsbonline.com
INDUSTRY	Banks Diversified
EMPLOYEES	742

Waterstone Financial Inc Frequently Asked Questions

What is the ticker symbol for Waterstone Financial Inc? What does WSBF stand for in stocks?

WSBF is the stock ticker symbol of Waterstone Financial Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Waterstone Financial Inc (WSBF)?

As of Fri May 17 2024, market cap of Waterstone Financial Inc is 257.92 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of WSBF stock?

You can check WSBF's fair value in chart for subscribers.

What is the fair value of WSBF stock?

You can check WSBF's fair value in chart for subscribers. The fair value of Waterstone Financial Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Waterstone Financial Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for WSBF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Waterstone Financial Inc a good stock to buy?

The fair value guage provides a quick view whether WSBF is over valued or under valued. Whether Waterstone Financial Inc is cheap or expensive depends on the assumptions which impact Waterstone Financial Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for WSBF.

What is Waterstone Financial Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, WSBF's PE ratio (Price to Earnings) is 25.14 and Price to Sales (PS) ratio is 3.14. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. WSBF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Waterstone Financial Inc's stock?

In the past 10 years, Waterstone Financial Inc has provided 0.061 (multiply by 100 for percentage) rate of return.