WSBF Stock Price, Waterstone Financial Inc Quote, Chart

Market Summary

USD12.22+0.15

Delayed

1.24%

WSBF Stock Price

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WSBF RSI Chart

WSBF Valuation

Market Cap

245.0M

Price/Earnings (Trailing)

26.14

Price/Sales (Trailing)

2.96

EV/EBITDA

12.79

Price/Free Cashflow

-8.67

WSBF Price/Sales (Trailing)

WSBF Profitability

EBT Margin

13.32%

Return on Equity

2.72%

Return on Assets

0.42%

Free Cashflow Yield

-11.54%

WSBF Fundamentals

WSBF Revenue

Revenue (TTM)

82.9M

Rev. Growth (Yr)

-37.9%

Rev. Growth (Qtr)

-31.59%

WSBF Earnings

Earnings (TTM)

9.4M

Earnings Growth (Yr)

-104.28%

Earnings Growth (Qtr)

-101.23%

Breaking Down WSBF Revenue

Last 7 days

3.7%

Last 30 days

6.6%

Last 90 days

-1.9%

Trailing 12 Months

-9.6%

How does WSBF drawdown profile look like?

WSBF Financial Health

Debt/Equity

1.78

Debt/Cashflow

-0.05

WSBF Investor Care

Dividend Yield

5.73%

Dividend/Share (TTM)

0.7

Buy Backs (1Y)

9.09%

Diluted EPS (TTM)

0.46

Historical Charts for Stock Metrics

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

Net sales

Year	Q1	Q2	Q3	Q4
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 02, 2024	Quent Capital, LLC	unchanged	-	-2.00	8.00	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
May 01, 2024	BNP PARIBAS FINANCIAL MARKETS	added	62.91	29,003	102,204	-%
Apr 30, 2024	Private Wealth Management Group, LLC	reduced	-67.69	-1,334	512	-%
Apr 30, 2024	Avior Wealth Management, LLC	new	-	48.00	48.00	-%
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	reduced	-9.22	-112,000	392,000	-%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-15.3	-399,924	1,059,420	-%
Apr 25, 2024	nVerses Capital, LLC	new	-	37,727	37,727	0.09%
Apr 24, 2024	Robeco Institutional Asset Management B.V.	sold off	-100	-170,414	-	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-57.02	-16,000	9,000	-%

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
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
Mar 08, 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	547.1B	174.7B	-3.92%	42.05%	10.87	3.13	53.11%	19.83%
BAC	291.2B	127.4B	-0.53%	37.98%	11.64	2.29	44.27%	-12.56%
WFC	208.9B	85.8B	4.90%	63.21%	11.13	2.44	35.02%	26.14%
C	117.3B	125.0B	-0.29%	36.99%	14.68	0.94	37.85%	-
CFG	16.2B	10.2B	1.35%	42.41%	10.1	1.59	44.53%	-22.43%
KEY	14.1B	8.1B	-2.10%	67.08%	16.1	1.73	32.15%	-50.93%
MID-CAP
CMA	7.0B	4.2B	-1.32%	70.01%	10.12	1.66	34.68%	-45.96%
ZION	6.5B	3.9B	2.66%	119.02%	9.51	1.64	45.91%	-25.03%
ABCB	3.4B	1.3B	6.52%	67.99%	12.78	2.69	43.24%	-22.35%
ASB	3.3B	1.8B	5.32%	45.11%	20.6	1.8	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.3M	152.4M	-5.17%	46.88%	39.76	2.59	16.94%	-73.84%
AROW	391.6M	162.6M	-0.59%	18.78%	13.02	2.41	25.39%	-38.37%
ACNB	282.2M	96.6M	-4.87%	20.96%	8.91	2.92	11.02%	-11.37%
ASRV	41.8M	60.9M	-2.01%	-14.98%	-12.5	0.69	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	-31.6%	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	26.00
EBITDA Margin	-10.7%	0.78*	0.87*	1.09*	1.18*	1.22*	1.40*	1.64*	1.85*	2.20*	2.45*	2.52*	2.48*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.9%	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	13.00
Income Taxes	-211.0%	-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	2.00
Earnings Before Taxes	-115.9%	-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	7.00
EBT Margin	-13.6%	0.13*	0.15*	0.22*	0.29*	0.35*	0.56*	0.82*	1.01*	1.32*	1.57*	1.67*	1.68*	-	-	-	-	-	-	-	-	-
Net Income	-101.2%	-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	6.00
Net Income Margin	-12.9%	0.11*	0.13*	0.18*	0.23*	0.28*	0.44*	0.64*	0.78*	1.01*	1.19*	1.26*	1.26*	-	-	-	-	-	-	-	-	-
Free Cashflow	-103.2%	-1.42	45.00	-40.18	-31.44	71.00	17.00	-24.77	142	31.00	47.00	17.00	59.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-0.4%	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	1,915
Cash Equivalents	-45.0%	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	86.00
Net PPE	-0.2%	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	25.00
Liabilities	-0.3%	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	1,516
Short Term Borrowings	-	147	-	-	-	1.00	-	-	-	-	-	-	-	-	-	-	-	14.00	-	-	-	5.00
Long Term Debt	3.9%	611	588	615	502	387	320	281	326	477	475	475	491	508	552	599	522	484	516	519	448	435
Shareholder's Equity	-0.7%	344	346	356	366	370	376	386	412	433	443	432	431	413	399	386	372	394	387	387	384	400
Retained Earnings	-1.1%	270	273	272	272	274	278	276	273	273	277	263	262	245	229	206	188	197	192	184	177	187
Additional Paid-In Capital	-5.6%	104	110	117	123	129	131	138	161	175	179	182	183	181	183	193	199	212	212	332	331	232
Shares Outstanding	-2.6%	20.00	21.00	21.00	22.00	22.00	21.00	23.00	23.00	24.00	24.00	24.00	24.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	310	-	-	-	387	-	-	-	496	-	-	-	383	-	-	-	471	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-102.2%	-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	65,247
Share Based Compensation	61.8%	55.00	34.00	82.00	106	115	138	160	170	181	194	195	175	163	164	175	214	235	234	229	369	433
Cashflow From Investing	54.9%	-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	-29,189
Cashflow From Financing	11.2%	-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	-8,813
Dividend Payments	-27.7%	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	3,264
Buy Backs	-7.4%	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	9,749

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WSBF Income Statement

2023-12-31

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

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Dec. 31, 2021

Loans

$ 90,148

$ 62,935

$ 64,366

Mortgage-related securities

4,053

3,241

1,954

Debt securities, federal funds sold and short-term investments

5,007

4,069

3,563

Total interest income

99,208

70,245

69,883

Interest expense:

Deposits

25,738

4,863

4,420

Borrowings

23,255

8,428

9,948

Total interest expense

48,993

13,291

14,368

Net interest income

50,215

56,954

55,515

Provision (credit) for credit losses (1)

^[1]

656

968

(3,990)

Net interest income after provision (credit) for credit losses (1)

^[1]

49,559

55,986

59,505

Noninterest income:

Service charges on loans and deposits

1,819

2,202

3,325

Increase in cash surrender value of life insurance

1,710

1,738

1,615

Mortgage banking income

75,686

99,560

191,035

Other

1,970

2,055

7,220

Total noninterest income

81,185

105,555

203,195

Noninterest expenses:

Compensation, payroll taxes, and other employee benefits

84,096

99,565

135,115

Occupancy, office furniture, and equipment

8,323

8,706

9,612

Advertising

3,779

3,976

3,528

Data processing

4,653

4,470

3,950

Communications

988

1,189

1,309

Professional fees

2,686

1,815

1,275

Real estate owned

4

19

3

Loan processing expense

3,428

4,744

4,610

Other

11,755

12,578

11,192

Total noninterest expenses

119,712

137,062

170,594

Income before income taxes

11,032

24,479

92,106

Income tax expense

1,657

4,992

21,315

Net income

$ 9,375

$ 19,487

$ 70,791

Income per share:

Basic income per share (in dollars per share)

$ 0.47

$ 0.89

$ 2.98

Diluted income per share (in dollars per share)

$ 0.46

$ 0.89

$ 2.96

Weighted average shares outstanding:

Basic (in shares)

20,158

21,884

23,741

Diluted (in shares)

20,196

22,010

23,931

[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 03 2024, market cap of Waterstone Financial Inc is 245.05 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 03 2024, WSBF's PE ratio (Price to Earnings) is 26.14 and Price to Sales (PS) ratio is 2.96. 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 0.054 (multiply by 100 for percentage) rate of return.