Waterstone Financial, Inc. (WSBF) — Analysis Summary
Waterstone Financial, Inc. (WSBF) has a market cap of $354.33M with year-over-year revenue growth of +22.9%. Net margin stands at 46.5%. The stock trades at a P/E ratio of 11.8.
Key Takeaways
- Revenue changed +22.9% year-over-year
- Net margin of 46.5%
- P/E ratio of 11.8
Compared to other companies in the SAVINGS INSTITUTION, FEDERALLY CHARTERED sector, WSBF posted revenue growth of +22.9% and trades at a P/E of 11.8.
Waterstone Financial, Inc. (WSBF)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 7.4x — highly leveraged, potential refinancing risk
Interest coverage at 0.0x — earnings do not cover interest payments
Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The majority of its revenue comes from the Community Banking segment.
Sector
SAVINGS INSTITUTION, FEDERALLY CHARTERED
Employees
593
Headquarters
WAUWATOSA, WI
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$0.68
Dividend Yield
3.45%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.