WSBF logo

WATERSTONE FINANCIAL INC

WSBFNASDAQ
πŸ† #3222 by market capEarnings Oct 22US Equity
$19.98β–Ό $0.22 (βˆ’1.09%)
πŸŒ™ After hours$19.98β–² 0.00%Regular close Β· extended-hours price shown
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🏦Market Cap
$361M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+1.1%
Slowing
πŸ“ŠGross Margin
65.4%
High
πŸ’΅FCF Margin
26.4%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
56
Weak
No chart data available for WSBF.

Trading Snapshot

Day Range
$19.70 – $20.16
52-Week Range
$14.52 – $21.66
Volume
$2.61B
Avg Volume
$1.90B
Shares Outstanding
18.1M
Next Earnings
Nov 14, 2026

Fundamentals Snapshot

Annual Revenue
$202M
Last Q Revenue
$7M
P/E Ratio
11.6
P/S Ratio
2.2x
EPS (TTM)
$1.75
Dividend Yield
3.20%
Dilution (1yr)
βˆ’2.9%

Why Investors Own WSBF

  • βœ“High-growth profile β€” revenue up -5.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 48% gross margin and 28% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

WSBF logo

WATERSTONE FINANCIAL INC

WSBF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$202Mβ–² +1.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
71.2%β–² +7.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$33Mβ–² +39.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$18Mβ–Ό βˆ’62.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
17.9Mβ–Ό βˆ’2.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$348Mβ–² +$63M YoY
StockOtter Β· stockotter.space

About WATERSTONE FINANCIAL INC

Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
56/100

Analyst Price Target

β“˜
Average Target
$24.49
β–² +22.6% Upside
High Target$27.38
Low Target$20.59
Based on 34 analysts

Latest News & Updates

Zacks Investment ResearchΒ·4d ago

WSBF vs. TSBK: Which Community Lender is the Better Buy?

The U.S. savings and loan industry is navigating a mixed operating backdrop. Interest rates remain elevated after the Federal Reserve's September 2026 rate hike, but loan demand is expected to stay resilient, supported b

GlobeNewsWireΒ·7d ago

Waterstone Financial Declares Regular Quarterly Cash Dividend

WAUWATOSA, Wis., Sept. 22, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share.

Defense WorldΒ·19d ago

Analyzing China Minsheng (OTCMKTS:CMAKY) & Waterstone Financial (NASDAQ:WSBF)

Waterstone Financial (NASDAQ: WSBF - Get Free Report) and China Minsheng (OTCMKTS:CMAKY - Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the st

Zacks Investment ResearchΒ·26d ago

WSBF Surges 43% in a Year: Reason to Buy the Stock Now?

Improving margins, stronger mortgage volumes, loan growth and solid credit quality are strengthening Waterstone Financial's earnings outlook and financial flexibility.

Defense WorldΒ·27d ago

BlackRock Inc. Buys New Shares in Waterstone Financial, Inc. $WSBF

BlackRock Inc. purchased a new stake in Waterstone Financial, Inc. (NASDAQ: WSBF) during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The fund purchased 1,641,76

Defense WorldΒ·29d ago

Connor Clark & Lunn Investment Management Ltd. Purchases New Shares in Waterstone Financial, Inc. $WSBF

Connor Clark and Lunn Investment Management Ltd. purchased a new position in Waterstone Financial, Inc. (NASDAQ: WSBF) in the undefined quarter, according to the company in its most recent Form 13F filing with the Securi