Waterstone Financial, Inc. (WSBF)

Price$18.34

Value ScoreB

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)5.77%

Price vs S&P 500 (4W)-2.71%

VGM Score59.34

Market Capitalization$334.16M

P/E Ratio (Annual)12.66x

Indicated Dividend Yield (Annual)3.67%

All Metrics

P/CF (Annual)13.82x

Book Value / Share (Quarterly)$19.19

P/TBV (Annual)0.88x

Indicated Dividend (Annual)$0.68

Cash Flow / Share (Quarterly)$-0.28

Payout Ratio (TTM)36.32%

Price vs S&P 500 (YTD)0.91%

EPS (TTM)$1.66

10-Day Avg Trading Volume0.05M

EPS Excl Extra (TTM)$1.66

EPS (Annual)$1.48

Dividend / Share (Annual)$0.57

ROI (Annual)7.43%

P/E Basic Excl Extra (TTM)11.38x

EPS Growth (5Y)-14.83%

P/E Normalized (Annual)12.66x

ROA (Last FY)1.17%

EBITD / Share (TTM)$2.26

ROE (5Y Avg)7.48%

Cash Flow / Share (Annual)$1.25

P/B Ratio0.96x

P/B Ratio (Quarterly)0.94x

Net Income / Employee (Annual)$44,500

ROA (TTM)1.30%

EPS Growth QoQ (YoY)107.16%

EV / EBITDA (TTM)8.33x

EPS Incl Extra (Annual)$1.48

3-Month Avg Trading Volume0.06M

52-Week Price Return43.04%

EV / Free Cash Flow (Annual)14.78x

P/E Incl Extra (TTM)11.38x

Tangible BV / Share (Quarterly)$19.14

52-Week High$18.88

EPS Excl Extra (Annual)$1.48

CapEx CAGR (5Y)-0.59%

Tangible BV CAGR (5Y)-3.07%

26-Week Price Return21.70%

13-Week Price Return1.48%

Total Debt / Equity (Annual)0.02x

Enterprise Value$340.31M

Book Value / Share Growth (5Y)2.95%

3-Month Return Std Dev17.35%

Net Income / Employee (TTM)$49,500

EBITDA CAGR (5Y)-20.55%

EBITDA Interim CAGR (5Y)-22.31%

ROE (Last FY)7.56%

EPS Basic Excl Extra (Annual)$1.48

P/FCF (TTM)5.43x

EV / Free Cash Flow (TTM)15.13x

Total Debt / Equity (Quarterly)0.02x

EPS Incl Extra (TTM)$1.66

ROI (TTM)8.28%

Dividend Growth Rate (5Y)-13.90%

Tangible BV / Share (Annual)$18.97

Price vs S&P 500 (52W)14.84%

P/E Ratio (TTM)11.38x

EPS Growth TTM (YoY)64.05%

Year-to-Date Return11.84%

5-Day Price Return0.98%

EPS Normalized (Annual)$1.48

ROA (5Y Avg)1.32%

Month-to-Date Return2.72%

EBITD / Share (Annual)$2.01

EPS Growth (3Y)18.57%

P/CF (TTM)14.15x

ROI (5Y Avg)7.27%

P/E Excl Extra (TTM)11.38x

EPS Basic Excl Extra (TTM)$1.66

P/TBV (Quarterly)0.94x

Payout Ratio (Annual)40.78%

P/B Ratio (Annual)0.87x

Dividend / Share (TTM)$0.57

Book Value / Share (Annual)$19.03

Price vs S&P 500 (13W)-8.27%

Dividend Yield (TTM)3.19%

Beta0.74x

P/FCF (Annual)14.52x

ROE (TTM)8.48%

52-Week Low$12.71

vGradeB

gGradeC

mGradeB

vgmGradeC

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Analyst Recommendations

Oct 2023

Nov 2023

Dec 2023

Jan 2024

2.17

Industry Peers — Savings Institutions(37)

Symbol	Value Score	Growth Score	Momentum Score	Price
WSBFWaterstone Financial, Inc.	B	C	B	$18.34
HSBCHSBC Holdings PLC	C	D	A	$93.18
AXAxos Financial, Inc. Common Stock	C	B	D	$86.35
EBCEastern Bankshares, Inc. Common Stock	C	B	D	$19.46
TFSLTFS Financial Corporation	F	D	C	$15.66
BKUBankunited, Inc.	B	D	C	$45.80
PFSProvident Financial Services, Inc.	B	C	C	$21.84
CLBKColumbia Financial, Inc. Common Stock	F	D	B	$19.90
CFFNCapitol Federal Financial, Inc.	C	D	B	$7.69
HTBHomeTrust Bancshares, Inc.	C	B	C	$46.29
NFBKNorthfield Bancorp, Inc.	C	D	C	$14.18

About

Waterstone Financial Inc is a financial holding company providing community banking services, including consumer and business loans, deposits, and investment products. The company also operates a mortgage banking segment that originates residential loans for secondary market sales, with community banking generating the vast majority of revenue.