WSBF
Waterstone Financial, Inc.
Price Chart
Latest Quote
$18.76
Current Price| Previous Close | $18.29 |
| Open | $18.39 |
| Day High | $18.86 |
| Day Low | $17.66 |
| Volume | 76,061 |
Stock Information
| Quarterly Dividend / Yield | $0.60 / 3.20% |
| Shares Outstanding | 18.36M |
| Total Debt | $412.26M |
| Cash Equivalents | $71.11M |
| Revenue | $143.32M |
| Net Income | $26.40M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $346.25M |
| P/E Ratio | 12.68 |
| EPS (TTM) | $1.48 |
| Exchange | NMS |
đ Custom Metrics & Score
Score: 8/42| Debt to Equity | 1.31 |
| Debt to Earnings | 18.48 |
| Avg Revenue Growth | -11.98% |
| Profit Margin | 14.12% |
| Return on Equity | 5.51% |
| Avg FCF Growth | -16.69% |
| FCF Yield | 13.56% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $18.76 | 76,800 |
| 2026-01-30 | $18.29 | 40,500 |
| 2026-01-29 | $18.44 | 52,700 |
| 2026-01-28 | $17.03 | 41,400 |
| 2026-01-27 | $17.50 | 26,500 |
| 2026-01-26 | $17.55 | 37,500 |
| 2026-01-23 | $17.68 | 26,500 |
| 2026-01-22 | $18.35 | 32,100 |
| 2026-01-21 | $18.20 | 42,400 |
| 2026-01-20 | $17.42 | 39,300 |
| 2026-01-16 | $17.50 | 30,000 |
| 2026-01-15 | $17.64 | 41,600 |
| 2026-01-14 | $17.39 | 29,100 |
| 2026-01-13 | $17.03 | 24,900 |
| 2026-01-12 | $17.02 | 43,500 |
| 2026-01-09 | $16.94 | 75,000 |
| 2026-01-08 | $16.80 | 54,400 |
| 2026-01-07 | $16.52 | 57,900 |
| 2026-01-06 | $16.60 | 78,000 |
| 2026-01-05 | $16.54 | 49,000 |
About Waterstone Financial, Inc.
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, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as 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. It also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. The company was founded in 1921 and is based in Wauwatosa, Wisconsin.
đ° Latest News
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WSBF's Q3 Earnings Soar 73% Y/Y on Higher Loan Yield, Stock up 5%
Zacks âĸ 2025-10-29T17:31:00Z
Waterstone Financial (WSBF) Net Margin Surge Challenges Narrative of Weak Community Bank Profitability
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Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $132,380,000 | $127,972,000 | $157,765,000 | $254,100,000 |
| Operating Revenue | $132,380,000 | $127,972,000 | $157,765,000 | $254,100,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $67,000,000 | $48,993,000 | $13,291,000 | $14,368,000 |
| Selling And Marketing Expense | $3,554,000 | $3,779,000 | $3,976,000 | $3,528,000 |
| General And Administrative Expense | $81,078,000 | $84,096,000 | $99,565,000 | $135,115,000 |
| Professional Expense And Contract Services Expense | $3,184,000 | $2,686,000 | $1,815,000 | $1,275,000 |
| Other Non Interest Expense | $13,157,000 | $17,400,000 | $18,256,000 | $16,454,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Net Interest Income | $46,168,000 | $50,215,000 | $56,954,000 | $55,515,000 |
| Interest Income | $113,168,000 | $99,208,000 | $70,245,000 | $69,883,000 |
| Normalized Income | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Net Income From Continuing And Discontinued Operation | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Net Income Common Stockholders | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Net Income | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Net Income Including Noncontrolling Interests | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Net Income Continuous Operations | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Pretax Income | $24,002,000 | $11,032,000 | $24,479,000 | $92,106,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $1.01 | $0.46 | $0.89 | $2.96 |
| Basic EPS | $1.01 | $0.47 | $0.89 | $2.98 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,474,000 | $3,301,000 | $4,033,000 | $6,048,000 |
| Diluted Average Shares | $18,589,000 | $20,196,000 | $22,010,000 | $23,931,000 |
| Basic Average Shares | $18,556,000 | $20,158,000 | $21,884,000 | $23,741,000 |
| Diluted NI Availto Com Stockholders | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Tax Provision | $5,314,000 | $1,657,000 | $4,992,000 | $21,315,000 |
| Selling General And Administration | $84,632,000 | $87,875,000 | $103,541,000 | $138,643,000 |
| Salaries And Wages | $81,078,000 | $84,096,000 | $99,565,000 | $135,115,000 |
| Occupancy And Equipment | $7,573,000 | $8,323,000 | $8,706,000 | $9,612,000 |
| Other Gand A | - | - | - | $1,309,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $339,135,000 | $344,056,000 | $370,486,000 | $432,773,000 |
| Total Assets | $2,209,608,000 | $2,213,389,000 | $2,031,672,000 | $2,215,858,000 |
| Cash And Cash Equivalents | $35,459,000 | $30,928,000 | $35,959,000 | $362,741,000 |
| Cash Financial | $35,182,000 | $30,667,000 | $33,700,000 | $343,016,000 |
| Cash Cash Equivalents And Federal Funds Sold | $39,761,000 | $36,421,000 | $46,642,000 | $376,722,000 |
| Prepaid Assets | - | - | $59,783,000 | $45,148,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Debt | $408,094,000 | $433,072,000 | $349,741,000 | $112,259,000 |
| Total Debt | $443,553,000 | $464,000,000 | $385,700,000 | $475,000,000 |
| Long Term Debt And Capital Lease Obligation | $150,000,000 | $155,000,000 | $200,000,000 | $470,000,000 |
| Long Term Debt | $150,000,000 | $155,000,000 | $200,000,000 | $470,000,000 |
| Current Debt And Capital Lease Obligation | $293,553,000 | $309,000,000 | $185,700,000 | $5,000,000 |
| Current Debt | $293,553,000 | $309,000,000 | $185,700,000 | $5,000,000 |
| Other Current Borrowings | $293,553,000 | $309,000,000 | $185,700,000 | $5,000,000 |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $1,870,473,000 | $1,869,333,000 | $1,661,186,000 | $1,783,085,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $339,135,000 | $344,056,000 | $370,486,000 | $432,773,000 |
| Total Equity Gross Minority Interest | $339,135,000 | $344,056,000 | $370,486,000 | $432,773,000 |
| Stockholders Equity | $339,135,000 | $344,056,000 | $370,486,000 | $432,773,000 |
| Other Equity Interest | $-10,682,000 | $-11,869,000 | $-13,056,000 | $-14,243,000 |
| Gains Losses Not Affecting Retained Earnings | $-18,786,000 | $-17,792,000 | $-19,476,000 | $-1,135,000 |
| Other Equity Adjustments | $-18,786,000 | $-17,792,000 | $-19,476,000 | $-1,135,000 |
| Retained Earnings | $277,196,000 | $269,606,000 | $274,246,000 | $273,398,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Ordinary Shares Number | $19,343,251 | $20,314,786 | $22,174,225 | $24,795,124 |
| Share Issued | $19,343,251 | $20,314,786 | $22,174,225 | $24,795,124 |
| Tangible Book Value | $339,135,000 | $344,056,000 | $370,486,000 | $432,773,000 |
| Invested Capital | $782,688,000 | $808,056,000 | $756,186,000 | $907,773,000 |
| Total Capitalization | $489,135,000 | $499,056,000 | $570,486,000 | $902,773,000 |
| Additional Paid In Capital | $91,214,000 | $103,908,000 | $128,550,000 | $174,505,000 |
| Capital Stock | $193,000 | $203,000 | $222,000 | $248,000 |
| Common Stock | $193,000 | $203,000 | $222,000 | $248,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $208,549,000 | $204,907,000 | $196,588,000 | $179,016,000 |
| Available For Sale Securities | $52,768,000 | - | - | - |
| Net PPE | $19,389,000 | $19,995,000 | $21,105,000 | $22,273,000 |
| Accumulated Depreciation | $-34,828,000 | $-34,724,000 | $-33,495,000 | $-32,559,000 |
| Gross PPE | $54,217,000 | $54,719,000 | $54,600,000 | $54,832,000 |
| Machinery Furniture Equipment | $13,295,000 | $12,990,000 | $13,000,000 | $13,043,000 |
| Buildings And Improvements | $33,468,000 | $34,275,000 | $34,084,000 | $34,273,000 |
| Land And Improvements | $7,454,000 | $7,454,000 | $7,516,000 | $7,516,000 |
| Other Short Term Investments | $155,781,000 | $204,907,000 | $196,588,000 | $179,016,000 |
| Treasury Shares Number | - | $0 | - | - |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $46,964,000 | $-28,277,000 | $205,964,000 | $141,228,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $48,063,000 | $-27,577,000 | $206,665,000 | $142,006,000 |
| Cash Flow From Continuing Operating Activities | $48,063,000 | $-27,577,000 | $206,665,000 | $142,006,000 |
| Operating Gains Losses | $-83,960,000 | $-71,961,000 | $-76,156,000 | $-197,431,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-1,099,000 | $-700,000 | $-701,000 | $-778,000 |
| Investing Cash Flow | $-23,963,000 | $-159,224,000 | $-335,742,000 | $160,065,000 |
| Cash Flow From Continuing Investing Activities | $-23,963,000 | $-159,224,000 | $-335,742,000 | $160,065,000 |
| Net Other Investing Changes | $-3,933,000 | $-3,229,000 | $8,084,000 | $2,285,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-14,915,000 | $-26,032,000 | $-47,830,000 | $-10,176,000 |
| Financing Cash Flow | $-20,760,000 | $176,580,000 | $-201,003,000 | $-20,116,000 |
| Cash Flow From Continuing Financing Activities | $-20,760,000 | $176,580,000 | $-201,003,000 | $-20,116,000 |
| Net Other Financing Charges | $-977,000 | $1,273,000 | $1,240,000 | $572,000 |
| Cash Dividends Paid | $-11,268,000 | $-15,363,000 | $-30,260,000 | $-30,388,000 |
| Common Stock Dividend Paid | $-11,268,000 | $-15,363,000 | $-30,260,000 | $-30,388,000 |
| Net Common Stock Issuance | $-14,915,000 | $-26,032,000 | $-47,830,000 | $-10,176,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-175,000,000 | $-304,000,000 | $-470,000,000 | $0 |
| Issuance Of Debt | $170,000,000 | $259,000,000 | $200,000,000 | $0 |
| Interest Paid Supplemental Data | $66,273,000 | $47,738,000 | $12,892,000 | $14,546,000 |
| End Cash Position | $39,761,000 | $36,421,000 | $46,642,000 | $376,722,000 |
| Beginning Cash Position | $36,421,000 | $46,642,000 | $376,722,000 | $94,767,000 |
| Changes In Cash | $3,340,000 | $-10,221,000 | $-330,080,000 | $281,955,000 |
| Proceeds From Stock Option Exercised | $1,662,000 | $820,000 | $564,000 | $2,307,000 |
| Common Stock Payments | $-14,915,000 | $-26,032,000 | $-47,830,000 | $-10,176,000 |
| Net Issuance Payments Of Debt | $-164,535,000 | $224,270,000 | $-90,343,000 | $-30,947,000 |
| Net Short Term Debt Issuance | $-159,535,000 | $269,270,000 | $179,657,000 | $-30,947,000 |
| Net Long Term Debt Issuance | $-5,000,000 | $-45,000,000 | $-270,000,000 | $0 |
| Long Term Debt Payments | $-175,000,000 | $-304,000,000 | $-470,000,000 | $0 |
| Long Term Debt Issuance | $170,000,000 | $259,000,000 | $200,000,000 | $0 |
| Net Investment Purchase And Sale | $-4,349,000 | $-4,654,000 | $-39,251,000 | $-24,187,000 |
| Sale Of Investment | $31,042,000 | $24,851,000 | $50,746,000 | $49,500,000 |
| Purchase Of Investment | $-35,391,000 | $-29,505,000 | $-89,997,000 | $-73,687,000 |
| Net Intangibles Purchase And Sale | $2,110,000 | $3,530,000 | $0 | $12,448,000 |
| Sale Of Intangibles | $2,110,000 | $3,530,000 | $0 | $12,448,000 |
| Net PPE Purchase And Sale | $-1,099,000 | $-700,000 | $-701,000 | $-778,000 |
| Purchase Of PPE | $-1,099,000 | $-700,000 | $-701,000 | $-778,000 |
| Change In Working Capital | $-1,723,000 | $-4,272,000 | $3,330,000 | $-8,160,000 |
| Change In Other Working Capital | $-2,850,000 | $-2,674,000 | $3,625,000 | $-6,368,000 |
| Change In Other Current Liabilities | $-3,564,000 | $-1,533,000 | $-3,395,000 | - |
| Change In Other Current Assets | $2,971,000 | $-1,181,000 | $3,345,000 | - |
| Change In Payables And Accrued Expense | $727,000 | $1,255,000 | $399,000 | $-178,000 |
| Change In Payable | $727,000 | $1,255,000 | $399,000 | $-178,000 |
| Change In Account Payable | $727,000 | $1,255,000 | $399,000 | $-178,000 |
| Change In Prepaid Assets | $1,425,000 | $1,557,000 | $1,068,000 | $-2,558,000 |
| Change In Receivables | $-432,000 | $-1,696,000 | $-1,712,000 | $944,000 |
| Changes In Account Receivables | $-432,000 | $-1,696,000 | $-1,712,000 | $944,000 |
| Other Non Cash Items | $111,776,000 | $35,800,000 | $254,904,000 | $272,625,000 |
| Stock Based Compensation | $316,000 | $277,000 | $583,000 | $745,000 |
| Asset Impairment Charge | $-320,000 | $320,000 | $0 | $0 |
| Deferred Tax | $980,000 | $-1,073,000 | $-484,000 | $1,378,000 |
| Deferred Income Tax | $980,000 | $-1,073,000 | $-484,000 | $1,378,000 |
| Depreciation Amortization Depletion | $2,474,000 | $3,301,000 | $4,033,000 | $6,048,000 |
| Depreciation And Amortization | $2,474,000 | $3,301,000 | $4,033,000 | $6,048,000 |
| Depreciation | $2,474,000 | $3,301,000 | $4,033,000 | $6,048,000 |
| Gain Loss On Sale Of PPE | $-152,000 | $-583,000 | $0 | $-4,032,000 |
| Net Income From Continuing Operations | $18,688,000 | $9,375,000 | $19,487,000 | $70,791,000 |
| Income Tax Paid Supplemental Data | - | $1,169,000 | $4,090,000 | $22,663,000 |