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Financial Services - Banks - Regional - NASDAQ - US
$ 12.235
-0.575 %
$ 236 M
Market Cap
11.99
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one WSBF stock under the worst case scenario is HIDDEN Compared to the current market price of 12.2 USD, Waterstone Financial, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one WSBF stock under the base case scenario is HIDDEN Compared to the current market price of 12.2 USD, Waterstone Financial, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one WSBF stock under the best case scenario is HIDDEN Compared to the current market price of 12.2 USD, Waterstone Financial, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WSBF

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$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
113 M REVENUE
14.07%
106 M OPERATING INCOME
864.74%
18.7 M NET INCOME
99.34%
48.1 M OPERATING CASH FLOW
274.29%
-24 M INVESTING CASH FLOW
84.95%
-20.8 M FINANCING CASH FLOW
-11.76%
31.4 M REVENUE
7.41%
0 OPERATING INCOME
0.00%
5.21 M NET INCOME
10.19%
23.4 M OPERATING CASH FLOW
-68.38%
7.3 M INVESTING CASH FLOW
142.86%
-32.4 M FINANCING CASH FLOW
43.15%
Balance Sheet Waterstone Financial, Inc.
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Current Assets 1.91 B
Cash & Short-Term Investments 244 M
Receivables 1.66 B
Other Current Assets 0
Non-Current Assets 19.4 M
Long-Term Investments 0
PP&E 19.4 M
Other Non-Current Assets 0
12.66 %86.33 %Total Assets$1.9b
Current Liabilities 294 M
Accounts Payable 0
Short-Term Debt 294 M
Other Current Liabilities 0
Non-Current Liabilities 150 M
Long-Term Debt 150 M
Other Non-Current Liabilities 0
66.18 %33.82 %Total Liabilities$443.6m
EFFICIENCY
Earnings Waterfall Waterstone Financial, Inc.
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Revenue 113 M
Cost Of Revenue 0
Gross Profit 113 M
Operating Expenses 6.74 M
Operating Income 106 M
Other Expenses 87.7 M
Net Income 18.7 M
120m120m100m100m80m80m60m60m40m40m20m20m00113m0113m(7m)106m(88m)19mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
94.05% OPERATING MARGIN
94.05%
16.51% NET MARGIN
16.51%
5.51% ROE
5.51%
0.85% ROA
0.85%
4.30% ROIC
4.30%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Waterstone Financial, Inc.
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250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 18.7 M
Depreciation & Amortization 2.47 M
Capital Expenditures 0
Stock-Based Compensation 316 K
Change in Working Capital 0
Others 23.6 M
Free Cash Flow 47 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Waterstone Financial, Inc.
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WSBF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.11% DIVIDEND YIELD
0.15 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.050.050.120.120.50.120.50.120.50.20.70.20.150.150.050.050.120.50.120.120.120.20.50.20.20.150.150.050.080.120.120.120.120.20.20.20.150.050.200.080.260.120.480.120.860.120.860.120.480.31.120.20.720.21.400.150.700.151.050.350.300.152015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 19
6. Ownership
Insider Ownership Waterstone Financial, Inc.
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Sold
0-3 MONTHS
1.88 M USD 4
3-6 MONTHS
1.62 M USD 2
6-9 MONTHS
562 K USD 2
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Waterstone Financial Announces Director Retirement WAUWATOSA, Wis., April 17, 2025 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (the “Company”), announced today that Michael Hansen has decided to retire as a Director of the Company and its wholly-owned subsidiary WaterStone Bank SSB. globenewswire.com - 2 weeks ago
Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2024 WAUWATOSA, Wis., Jan. 28, 2025 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $5.2 million, or $0.28 per diluted share, for the quarter ended December 31, 2024, compared to net loss of $40,000, or less than $0.01 per diluted share, for the quarter ended December 31, 2023. Net income per diluted share was $1.01 for the year ended December 31, 2024, compared to net income per diluted share of $0.46 for the year ended December 31, 2023. globenewswire.com - 3 months ago
Waterstone Financial Declares Regular Quarterly Cash Dividend WAUWATOSA, Wis., Dec. 19, 2024 (GLOBE NEWSWIRE) -- On December 19, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share. The dividend is payable on February 3, 2025, to shareholders of record at the close of business on January 8, 2025. globenewswire.com - 4 months ago
Waterstone Financial Declares Regular Quarterly Cash Dividend WAUWATOSA, Wis., Sept. 24, 2024 (GLOBE NEWSWIRE) -- On September 24, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share. The dividend is payable on November 1, 2024, to shareholders of record at the close of business on October 8, 2024. globenewswire.com - 7 months ago
Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2024 WAUWATOSA, Wis., July 25, 2024 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $5.7 million, or $0.31 per diluted share, for the quarter ended June 30, 2024 compared to net income of $4.0 million, or $0.20 per diluted share for the quarter ended June 30, 2023.  Net income per diluted share was $0.47 for the six months ended June 30, 2024, compared to net income per diluted share of $0.30 for the six months ended June 30, 2023. globenewswire.com - 9 months ago
Waterstone Financial Declares Regular Quarterly Cash Dividend WAUWATOSA, Wis., June 18, 2024 (GLOBE NEWSWIRE) -- On June 18, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share.  The dividend is payable on August 1, 2024, to shareholders of record at the close of business on July 8, 2024. globenewswire.com - 10 months ago
Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2024 WAUWATOSA, Wis., April 30, 2024 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.0 million, or $0.16 per diluted share, for the quarter ended March 31, 2024 compared to net income of $2.2 million, or $0.10 per diluted share for the quarter ended March 31, 2023.  The current year reflects a $0.04 per share one-time charge related to a change in Wisconsin state tax law, as described below. globenewswire.com - 1 year ago
Waterstone Financial, Inc. Announces Expansion of Share Repurchase Program WAUWATOSA, Wis., April 23, 2024 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF) (the "Company") announced that on April 23, 2024, its Board of Directors authorized the repurchase of up to an additional 2,000,000 shares of the Company's outstanding shares of common stock under its existing repurchase program. Prior to this authorization, 224,852 shares remained available to repurchase under the existing program.  Combined with the shares authorized today, the total 2,224,852 shares available for repurchase represent approximately 11.2% of the Company's issued and outstanding shares of common stock as of April 23, 2024.  The timing of the repurchases will depend on certain factors, including but not limited to market conditions and prices, available funds and alternative uses of capital. The stock repurchase program may be carried out through open-market repurchases, block trades, negotiated private transactions and pursuant to a trading plan that will be adopted in accordance with Rule 10b5-1 under the Securities Exchange Act of 1934. Any repurchased shares will be treated as authorized but unissued by the Company. The repurchase program may be suspended, terminated or modified at any time for any reason, including market conditions, the cost of repurchasing shares, the availability of alternative investment opportunities, liquidity, and other factors deemed appropriate. The repurchase program does not obligate the Company to repurchase any particular number of shares. globenewswire.com - 1 year ago
Waterstone Financial Declares Regular Quarterly Cash Dividend WAUWATOSA, Wis., March 22, 2024 (GLOBE NEWSWIRE) -- On March 21, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share.  The dividend is payable on May 1, 2024, to shareholders of record at the close of business on April 8, 2024. globenewswire.com - 1 year ago
Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2023 WAUWATOSA, Wis., Jan. 30, 2024 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported a net loss of $40,000, or less than $0.01 per diluted share, for the quarter ended December 31, 2023, compared to net income of $935,000, or $0.04 per diluted share for the quarter ended December 31, 2022. Net income per diluted share was $0.46 for the twelve months ended December 31, 2023, compared to net income per diluted share of $0.89 for the twelve months ended December 31, 2022. globenewswire.com - 1 year ago
Waterstone Financial Declares Regular Quarterly Cash Dividend WAUWATOSA, Wis., Dec. 21, 2023 (GLOBE NEWSWIRE) -- On December 21, 2023, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share. The dividend is payable on February 1, 2024, to shareholders of record at the close of business on January 8, 2024. globenewswire.com - 1 year ago
Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2023 WAUWATOSA, Wis., Oct. 24, 2023 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.3 million, or $0.16 per diluted share for the quarter ended September 30, 2023, compared to $5.3 million, or $0.25 per diluted share for the quarter ended September 30, 2022. globenewswire.com - 1 year ago
8. Profile Summary

Waterstone Financial, Inc. WSBF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 236 M
Dividend Yield 1.11%
Description 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.
Contact 11200 West Plank Court, Wauwatosa, WI, 53226 https://www.wsbonline.com
IPO Date Oct. 5, 2005
Employees 600
Officers Mr. Jeffrey R. McGuiness President & Chief Executive Officer of Waterstone Mortgage Corporation Mr. Mark Raymond Gerke CPA Executive Vice President, Chief Financial Officer & Chief Accounting Officer Mr. Kyle J. Mertz Controller Mr. William F. Bruss J.D. Chief Executive Officer, President, General Counsel & Secretary