Financial Services -
Banks - Regional - NASDAQ - US
$ 12.35
-0.0808 %
$ 238 M
Market Cap
12.12
P/E
1. INTRINSIC VALUE
Balance Sheet
Waterstone Financial, Inc.
| 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 | 156 M |
| PP&E | 19.4 M |
| Other Non-Current Assets | -156 M |
| Current Liabilities | 468 M |
| Accounts Payable | 0 |
| Short-Term Debt | 294 M |
| Other Current Liabilities | 174 M |
| Non-Current Liabilities | 150 M |
| Long-Term Debt | 150 M |
| Other Non-Current Liabilities | 0 |
EFFICIENCY
Earnings Waterfall
Waterstone Financial, Inc.
| Revenue | 113 M |
| Cost Of Revenue | 0 |
| Gross Profit | 113 M |
| Operating Expenses | 6.74 M |
| Operating Income | 23.5 M |
| Other Expenses | 4.8 M |
| Net Income | 18.7 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Waterstone Financial, Inc.
| Net Income | 18.7 M |
| Depreciation & Amortization | 2.47 M |
| Capital Expenditures | 0 |
| Stock-Based Compensation | 316 K |
| Change in Working Capital | 1.34 M |
| Others | 25.6 M |
| Free Cash Flow | 47 M |
Wall Street Analysts Price Targets
Waterstone Financial, Inc.
WSBF has no price targets from Wall Street.
4. DIVIDEND
ANALYSIS
1.12%
DIVIDEND YIELD
0.15 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Waterstone Financial, Inc.
Sold
0-3 MONTHS
565 K USD 2
3-6 MONTHS
1.99 M USD 2
6-9 MONTHS
1.5 M USD 4
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, Inc. Announces Results of Operations for the Quarter Ended March 31, 2025
WAUWATOSA, Wis., April 22, 2025 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.0 million, or $0.17 per diluted share, for the quarter ended March 31, 2025, compared to $3.0 million, or $0.16 per diluted share, for the quarter ended March 31, 2024.
globenewswire.com
- 4 weeks ago
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
- 1 month 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
- 5 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
- 11 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
8. Profile
Summary
Waterstone Financial, Inc. WSBF
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 238 M
Dividend Yield
1.12%
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