Waterstone Financial, Inc. (WSBF)

Price$18.28

Favorite Metrics

Price vs S&P 500 (26W)19.22%

Price vs S&P 500 (4W)-0.90%

Market Capitalization$340.21M

P/E Ratio (Annual)12.89x

Indicated Dividend Yield (Annual)3.67%

All Metrics

P/CF (Annual)14.07x

Book Value / Share (Quarterly)$19.03

P/TBV (Annual)0.88x

Indicated Dividend (Annual)$0.60

Cash Flow / Share (Quarterly)$1.25

Payout Ratio (TTM)40.78%

Price vs S&P 500 (YTD)9.32%

EPS (TTM)$1.48

10-Day Avg Trading Volume0.08M

EPS Excl Extra (TTM)$1.48

EPS (Annual)$1.48

Dividend / Share (Annual)$0.57

ROI (Annual)7.43%

P/E Basic Excl Extra (TTM)12.89x

EPS Growth (5Y)-14.83%

P/E Normalized (Annual)12.89x

ROA (Last FY)1.17%

EBITD / Share (TTM)$2.01

ROE (5Y Avg)7.48%

Cash Flow / Share (Annual)$1.25

P/B Ratio0.97x

P/B Ratio (Quarterly)0.87x

Net Income / Employee (Annual)$0

ROA (TTM)1.18%

EPS Growth QoQ (YoY)55.51%

EV / EBITDA (TTM)9.62x

EPS Incl Extra (Annual)$1.48

3-Month Avg Trading Volume0.06M

52-Week Price Return55.45%

EV / Free Cash Flow (Annual)15.05x

P/E Incl Extra (TTM)12.89x

Tangible BV / Share (Quarterly)$18.97

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 Return23.20%

13-Week Price Return8.87%

Total Debt / Equity (Annual)0.02x

Enterprise Value$346.384

Book Value / Share Growth (5Y)2.95%

3-Month Return Std Dev27.42%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)-20.55%

EBITDA Interim CAGR (5Y)-23.40%

ROE (Last FY)7.56%

EPS Basic Excl Extra (Annual)$1.48

P/FCF (TTM)5.53x

EV / Free Cash Flow (TTM)15.05x

Total Debt / Equity (Quarterly)0.02x

EPS Incl Extra (TTM)$1.48

ROI (TTM)7.45%

Dividend Growth Rate (5Y)-13.90%

Tangible BV / Share (Annual)$18.97

Price vs S&P 500 (52W)25.62%

P/E Ratio (TTM)12.89x

EPS Growth TTM (YoY)47.43%

Year-to-Date Return11.96%

5-Day Price Return-1.23%

EPS Normalized (Annual)$1.48

ROA (5Y Avg)1.32%

Month-to-Date Return2.77%

EBITD / Share (Annual)$2.01

EPS Growth (3Y)18.57%

P/CF (TTM)14.07x

ROI (5Y Avg)7.27%

P/E Excl Extra (TTM)12.89x

EPS Basic Excl Extra (TTM)$1.48

P/TBV (Quarterly)0.88x

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)8.18%

Dividend Yield (TTM)3.17%

Beta0.78x

P/FCF (Annual)14.78x

ROE (TTM)7.67%

52-Week Low$11.61

Analyst Recommendations

Oct 2023

Nov 2023

Dec 2023

Jan 2024

2.17

Industry Peers — Savings Institutions(36)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
WSBFWaterstone Financial, Inc.	0.87x	7.67%	1.18%	—	$18.28
HSBCHSBC Holdings PLC	1.38x	14.21%	0.85%	—	$90.52
AXAxos Financial, Inc. Common Stock	1.67x	16.59%	1.75%	—	$94.74
EBCEastern Bankshares, Inc. Common Stock	1.01x	2.29%	0.33%	—	$20.73
TFSLTFS Financial Corporation	1.97x	4.79%	0.52%	—	$14.50
BKUBankunited, Inc.	1.10x	8.99%	0.76%	—	$46.89
PFSProvident Financial Services, Inc.	0.91x	10.62%	1.18%	—	$22.24
CLBKColumbia Financial, Inc. Common Stock	1.40x	4.58%	0.48%	—	$18.17
CFFNCapitol Federal Financial, Inc.	0.86x	6.99%	0.75%	—	$7.55
HTBHomeTrust Bancshares, Inc.	1.25x	11.00%	1.41%	—	$44.63
NFBKNorthfield Bancorp, Inc.	0.69x	0.11%	0.01%	—	$13.87

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.