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Waterstone financial, inc.WSBF.US Overview

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WSBF Recent Performance

2.59%

Waterstone financial, inc.

0.23%

Avg of Sector

-0.49%

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WSBF Key Information

WSBF Valuation Metrics

WSBF Profile

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. The company 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. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. 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.

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WSBF FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

WSBF Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.62
PE Ratio (TTM)
10.85
Forward PE
20.70
PS Ratio (TTM)
2.27
PB Ratio
0.93
Price-to-FCF
-
METRIC
VALUE
vs. INDUSTRY
Gross Margin
91.49%
Net Margin
18.09%
Revenue Growth (YoY)
21.55%
Profit Growth (YoY)
11.20%
3-Year Revenue Growth
15.58%
3-Year Profit Growth
3.57%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.62
PE Ratio (TTM)
10.85
Forward PE
20.70
PS Ratio (TTM)
2.27
PB Ratio
0.93
Price-to-FCF
-
Gross Margin
91.49%
Net Margin
18.09%
Revenue Growth (YoY)
21.55%
Profit Growth (YoY)
11.20%
3-Year Revenue Growth
15.58%
3-Year Profit Growth
3.57%

  • When is WSBF's latest earnings report released?

    The most recent financial report for Waterstone financial, inc. (WSBF) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating WSBF's short-term business performance and financial health. For the latest updates on WSBF's earnings releases, visit this page regularly.

  • Where does WSBF fall in the P/E River chart?

    According to historical valuation range analysis, Waterstone financial, inc. (WSBF)'s current price-to-earnings (P/E) ratio is 13.06, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of WSBF?

    According to the latest financial report, Waterstone financial, inc. (WSBF) reported an Operating Profit of 7.55M with an Operating Margin of 15.34% this period, representing a growth of 94.59% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is WSBF's revenue growth?

    In the latest financial report, Waterstone financial, inc. (WSBF) announced revenue of 49.24M, with a Year-Over-Year growth rate of 62.88%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does WSBF have?

    At the end of the period, Waterstone financial, inc. (WSBF) held Total Cash and Cash Equivalents of 38.76M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does WSBF go with three margins increasing?

    In the latest report, Waterstone financial, inc. (WSBF) achieved the “three margins increasing” benchmark, with a gross margin of 71.94%%, operating margin of 15.34%%, and net margin of 12.18%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess WSBF's profit trajectory and future growth potential.

  • Is WSBF's EPS continuing to grow?

    According to the past four quarterly reports, Waterstone financial, inc. (WSBF)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.35. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of WSBF?

    Waterstone financial, inc. (WSBF)'s Free Cash Flow (FCF) for the period is 2.63M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 88.62% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of WSBF?

    The latest valuation data shows Waterstone financial, inc. (WSBF) has a Price-To-Earnings (PE) ratio of 13.06 and a Price/Earnings-To-Growth (PEG) ratio of -0.64. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.