Symbols / WSBF Stock $17.91 -0.33% Waterstone Financial, Inc.

Financial Services • Banks - Regional • United States • NMS
WSBF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. William F. Bruss J.D.
Exch · Country NMS · United States
Market Cap 324.99M
Enterprise Value 679.53M
Income 29.36M
Sales 148.51M
FCF (ttm) —
Book/sh 19.95
Cash/sh 2.57
Employees 593
Insider 10d —
IPO Oct 05, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 36.36%
P/E 10.85
Forward P/E 17.73
PEG —
P/S 2.19
P/B 0.90
P/C —
EV/EBITDA —
EV/Sales 4.58
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.65
EPS next Y 1.01
EPS Growth 104.60%
Revenue Growth 17.20%
EPS Gr Q/Q 97.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-02-13
ROA 1.33%
ROE 8.52%
ROIC —
Gross Margin 0.00%
Oper. Margin 21.32%
Profit Margin 19.77%
Shs Outstand 18.15M
Shs Float 15.00M
Insider Own 18.69%
Instit Own 51.98%
Short Float 1.10%
Short Ratio 1.99
Short Interest 164.84K
52W High 18.88
vs 52W High -5.14%
52W Low 11.92
vs 52W Low 50.25%
Beta 0.77
Impl. Vol. 21.04%
Rel Volume 1.04
Avg Volume 63.02K
Volume 65.65K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $17.97
Price $17.91
Change -0.33%
About

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, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as 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 comprising mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$17.91
Latest analyst target
3. DCF / Fair value
$24.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$17.91
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2021-02-26 down Piper Sandler Overweight → Neutral $21
2020-07-29 main Piper Sandler — → Overweight $17
2017-10-31 down Piper Sandler Buy → Hold —
2016-08-02 up Piper Sandler Hold → Buy —
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-18 GORDON DOUGLAS S Director — 2,880 $18.11 $52,157
2026-02-06 GORDON DOUGLAS S Director — 6,765 $18.26 $123,563
2026-02-05 GORDON DOUGLAS S Director — 33,716 $18.25 $619,832
2026-02-04 LAWTON PATRICK S Director — 49,255 $18.53 $914,813
2026-02-02 GLYNN JULIE ANN Officer — 20,929 $18.17 $380,774
2026-02-02 GLYNN JULIE ANN Officer — 20,000 $17.35 $347,000
2025-10-27 HANSEN MICHAEL L Director — 81,413 $15.16 $1,234,221
2025-08-13 HANSEN MICHAEL L Director — 144,817 $13.92 $2,029,727
2025-08-11 HANSEN MICHAEL L Director — 2,757 $13.80 $38,047
2025-07-25 HANSEN MICHAEL L Director — 37,426 $13.80 $517,725
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
138.93
+4.94%
132.38
+3.44%
127.97
-18.88%
157.76
Operating Revenue
138.93
+4.94%
132.38
+3.44%
127.97
-18.88%
157.76
Selling General And Administration
82.50
-2.52%
84.63
-3.69%
87.88
-15.13%
103.54
Selling And Marketing Expense
2.88
-19.05%
3.55
-5.95%
3.78
-4.95%
3.98
General And Administrative Expense
79.62
-1.80%
81.08
-3.59%
84.10
-15.54%
99.56
Salaries And Wages
79.62
-1.80%
81.08
-3.59%
84.10
-15.54%
99.56
Other Gand A
—
—
—
—
Reconciled Depreciation
2.55
+3.03%
2.47
-25.05%
3.30
-18.15%
4.03
Net Income
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Pretax Income
33.45
+39.34%
24.00
+117.57%
11.03
-54.93%
24.48
Net Interest Income
56.73
+22.89%
46.17
-8.06%
50.22
-11.83%
56.95
Interest Expense
59.37
-11.38%
67.00
+36.75%
48.99
+268.62%
13.29
Interest Income
116.11
+2.60%
113.17
+14.07%
99.21
+41.23%
70.25
Tax Provision
7.04
+32.54%
5.31
+220.70%
1.66
-66.81%
4.99
Tax Rate For Calcs
0.00
-4.52%
0.00
+47.33%
0.00
-26.47%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Net Income From Continuing Operation Net Minority Interest
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Net Income From Continuing And Discontinued Operation
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Net Income Continuous Operations
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Normalized Income
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Net Income Common Stockholders
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Diluted EPS
1.48
+46.53%
1.01
+119.57%
0.46
-48.31%
0.89
Basic EPS
1.48
+46.53%
1.01
+114.89%
0.47
-47.19%
0.89
Basic Average Shares
17.84
-3.87%
18.56
-7.95%
20.16
-7.89%
21.88
Diluted Average Shares
17.87
-3.88%
18.59
-7.96%
20.20
-8.24%
22.01
Diluted NI Availto Com Stockholders
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Occupancy And Equipment
7.19
-5.00%
7.57
-9.01%
8.32
-4.40%
8.71
Other Non Interest Expense
14.35
+9.06%
13.16
-24.39%
17.40
-4.69%
18.26
Professional Expense And Contract Services Expense
2.83
-10.96%
3.18
+18.54%
2.69
+47.99%
1.81
Line Item Trend 2023-12-31
Total Assets
2,213.39
Cash And Cash Equivalents
30.93
Cash Financial
30.67
Other Short Term Investments
204.91
Prepaid Assets
—
Net PPE
20.00
Gross PPE
54.72
Accumulated Depreciation
-34.72
Land And Improvements
7.45
Buildings And Improvements
34.27
Machinery Furniture Equipment
12.99
Investments And Advances
204.91
Total Liabilities Net Minority Interest
1,869.33
Current Debt And Capital Lease Obligation
309.00
Current Debt
309.00
Other Current Borrowings
309.00
Long Term Debt And Capital Lease Obligation
155.00
Long Term Debt
155.00
Stockholders Equity
344.06
Common Stock Equity
344.06
Capital Stock
0.20
Common Stock
0.20
Preferred Stock
0.00
Share Issued
20.31
Ordinary Shares Number
20.31
Treasury Shares Number
0.00
Additional Paid In Capital
103.91
Retained Earnings
269.61
Gains Losses Not Affecting Retained Earnings
-17.79
Other Equity Adjustments
-17.79
Total Equity Gross Minority Interest
344.06
Total Capitalization
499.06
Invested Capital
808.06
Total Debt
464.00
Net Debt
433.07
Net Tangible Assets
344.06
Tangible Book Value
344.06
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
36.42
Other Equity Interest
-11.87
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
24.18
-49.68%
48.06
+274.29%
-27.58
-113.34%
206.66
Cash Flow From Continuing Operating Activities
24.18
-49.68%
48.06
+274.29%
-27.58
-113.34%
206.66
Net Income From Continuing Operations
26.40
+41.28%
18.69
+99.34%
9.38
-51.89%
19.49
Depreciation Amortization Depletion
2.55
+3.03%
2.47
-25.05%
3.30
-18.15%
4.03
Depreciation
2.55
+3.03%
2.47
-25.05%
3.30
-18.15%
4.03
Depreciation And Amortization
2.55
+3.03%
2.47
-25.05%
3.30
-18.15%
4.03
Other Non Cash Items
70.68
-36.77%
111.78
+212.22%
35.80
-85.96%
254.90
Stock Based Compensation
0.30
-6.01%
0.32
+14.08%
0.28
-52.49%
0.58
Asset Impairment Charge
0.00
+100.00%
-0.32
-200.00%
0.32
0.00
Deferred Tax
0.71
-27.14%
0.98
+191.33%
-1.07
-121.69%
-0.48
Deferred Income Tax
0.71
-27.14%
0.98
+191.33%
-1.07
-121.69%
-0.48
Operating Gains Losses
-80.72
+3.86%
-83.96
-16.67%
-71.96
+5.51%
-76.16
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.15
+73.93%
-0.58
0.00
Change In Working Capital
5.66
+428.21%
-1.72
+59.67%
-4.27
-228.29%
3.33
Change In Receivables
-0.48
-10.65%
-0.43
+74.53%
-1.70
+0.93%
-1.71
Changes In Account Receivables
-0.48
-10.65%
-0.43
+74.53%
-1.70
+0.93%
-1.71
Change In Prepaid Assets
1.31
-7.72%
1.43
-8.48%
1.56
+45.79%
1.07
Change In Payables And Accrued Expense
0.22
-70.01%
0.73
-42.07%
1.25
+214.54%
0.40
Change In Payable
0.22
-70.01%
0.73
-42.07%
1.25
+214.54%
0.40
Change In Account Payable
0.22
-70.01%
0.73
-42.07%
1.25
+214.54%
0.40
Change In Other Working Capital
-2.11
+26.00%
-2.85
-6.58%
-2.67
-173.77%
3.62
Change In Other Current Assets
2.15
-27.70%
2.97
+351.57%
-1.18
-135.31%
3.35
Change In Other Current Liabilities
4.56
+227.97%
-3.56
-132.49%
-1.53
+54.85%
-3.40
Investing Cash Flow
-8.74
+63.51%
-23.96
+84.95%
-159.22
+52.58%
-335.74
Cash Flow From Continuing Investing Activities
-8.74
+63.51%
-23.96
+84.95%
-159.22
+52.58%
-335.74
Net PPE Purchase And Sale
-1.17
-6.01%
-1.10
-57.00%
-0.70
+0.14%
-0.70
Purchase Of PPE
-1.17
-6.01%
-1.10
-57.00%
-0.70
+0.14%
-0.70
Capital Expenditure
-1.17
-6.01%
-1.10
-57.00%
-0.70
+0.14%
-0.70
Net Investment Purchase And Sale
-13.09
-200.92%
-4.35
+6.55%
-4.65
+88.14%
-39.25
Purchase Of Investment
-50.01
-41.31%
-35.39
-19.95%
-29.50
+67.22%
-90.00
Sale Of Investment
36.92
+18.95%
31.04
+24.91%
24.85
-51.03%
50.75
Net Intangibles Purchase And Sale
0.00
-100.00%
2.11
-40.23%
3.53
0.00
Net Other Investing Changes
0.31
+107.91%
-3.93
-21.80%
-3.23
-139.94%
8.08
Financing Cash Flow
15.91
+176.63%
-20.76
-111.76%
176.58
+187.85%
-201.00
Cash Flow From Continuing Financing Activities
15.91
+176.63%
-20.76
-111.76%
176.58
+187.85%
-201.00
Net Issuance Payments Of Debt
-34.26
+79.18%
-164.53
-173.36%
224.27
+348.24%
-90.34
Issuance Of Debt
130.00
-23.53%
170.00
-34.36%
259.00
+29.50%
200.00
Repayment Of Debt
-90.00
+48.57%
-175.00
+42.43%
-304.00
+35.32%
-470.00
Long Term Debt Issuance
130.00
-23.53%
170.00
-34.36%
259.00
+29.50%
200.00
Long Term Debt Payments
-90.00
+48.57%
-175.00
+42.43%
-304.00
+35.32%
-470.00
Net Long Term Debt Issuance
40.00
+900.00%
-5.00
+88.89%
-45.00
+83.33%
-270.00
Net Short Term Debt Issuance
-74.26
+53.45%
-159.53
-159.25%
269.27
+49.88%
179.66
Net Common Stock Issuance
-16.21
-8.68%
-14.91
+42.71%
-26.03
+45.57%
-47.83
Common Stock Payments
-16.21
-8.68%
-14.91
+42.71%
-26.03
+45.57%
-47.83
Common Stock Dividend Paid
-10.77
+4.44%
-11.27
+26.65%
-15.36
+49.23%
-30.26
Cash Dividends Paid
-10.77
+4.44%
-11.27
+26.65%
-15.36
+49.23%
-30.26
Repurchase Of Capital Stock
-16.21
-8.68%
-14.91
+42.71%
-26.03
+45.57%
-47.83
Proceeds From Stock Option Exercised
2.40
+44.71%
1.66
+102.68%
0.82
+45.39%
0.56
Net Other Financing Charges
-2.63
-169.60%
-0.98
-176.75%
1.27
+2.66%
1.24
Changes In Cash
31.35
+838.50%
3.34
+132.68%
-10.22
+96.90%
-330.08
Beginning Cash Position
39.76
+9.17%
36.42
-21.91%
46.64
-87.62%
376.72
End Cash Position
71.11
+78.84%
39.76
+9.17%
36.42
-21.91%
46.64
Free Cash Flow
23.02
-50.99%
46.96
+266.09%
-28.28
-113.73%
205.96
Interest Paid Supplemental Data
59.16
-10.74%
66.27
+38.83%
47.74
+270.29%
12.89
Income Tax Paid Supplemental Data
5.01
+109.84%
2.39
+104.36%
1.17
-71.42%
4.09
Sale Of Intangibles
0.00
-100.00%
2.11
-40.23%
3.53
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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