Waterstone Financial, Inc. (WSBF) Stock Price

WSBFStock

$21.07+44.61%52W

Market Cap$378.78M

P/E14.30x

PEG Ratio—

Div yield3.67%

Beta0.74

WSBF Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)6.51%

Price vs S&P 500 (4W)-0.10%

VGM Score56.81

P/E Ratio (Annual)14.30x

Indicated Dividend Yield (Annual)3.67%

P/CF (Annual)15.61x

Book Value / Share (Quarterly)$19.53

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)14.49%

EPS (TTM)$1.73

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$1.73

EPS (Annual)$1.48

Dividend / Share (Annual)$0.57

ROI (Annual)7.43%

P/E Basic Excl Extra (TTM)12.54x

EPS Growth (5Y)-14.83%

P/E Normalized (Annual)14.30x

ROA (Last FY)1.17%

EBITD / Share (TTM)$2.26

ROE (5Y Avg)7.48%

Cash Flow / Share (Annual)$1.25

P/B Ratio1.07x

P/B Ratio (Quarterly)1.07x

Net Income / Employee (Annual)$44,500

ROA (TTM)1.33%

EPS Growth QoQ (YoY)14.73%

EV / EBITDA (TTM)8.33x

EPS Incl Extra (Annual)$1.48

3-Month Avg Trading Volume0.07M

52-Week Price Return44.61%

EV / Free Cash Flow (Annual)16.40x

P/E Incl Extra (TTM)12.54x

Tangible BV / Share (Quarterly)$19.14

52-Week High$21.50

EPS Excl Extra (Annual)$1.48

CapEx CAGR (5Y)-0.59%

Tangible BV CAGR (5Y)-3.07%

26-Week Price Return18.44%

13-Week Price Return12.79%

Total Debt / Equity (Annual)0.02x

Enterprise Value$377.47M

Book Value / Share Growth (5Y)2.95%

3-Month Return Std Dev20.32%

Net Income / Employee (TTM)$50,800

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)6.14x

EV / Free Cash Flow (TTM)15.13x

Total Debt / Equity (Quarterly)0.02x

EPS Incl Extra (TTM)$1.73

ROI (TTM)8.51%

Dividend Growth Rate (5Y)-13.90%

Tangible BV / Share (Annual)$18.97

Price vs S&P 500 (52W)26.05%

P/E Ratio (TTM)12.54x

EPS Growth TTM (YoY)52.04%

Year-to-Date Return27.31%

5-Day Price Return-0.52%

EPS Normalized (Annual)$1.48

ROA (5Y Avg)1.32%

Month-to-Date Return2.68%

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)12.54x

EPS Basic Excl Extra (TTM)$1.73

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)10.84%

Dividend Yield (TTM)2.83%

Beta0.74x

P/FCF (Annual)16.40x

ROE (TTM)8.64%

52-Week Low$14.43

vGradeB

gGradeD

mGradeB

vgmGradeC

WSBF Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2023	Jul 25, 2023	—	$0.20	—
Q1 2023	Apr 25, 2023	$0.08	$0.10	+25.00%(+$0.02)
Q4 2022	Jan 26, 2023	$0.15	$0.04	-73.33%(-$0.11)
Q3 2022	Oct 26, 2022	$0.29	$0.25	-13.79%(-$0.04)

WSBF 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	D	B	$21.07
HSBCHSBC Holdings PLC	B	C	B	$103.53
AXAxos Financial, Inc. Common Stock	C	B	C	$97.85
EBCEastern Bankshares, Inc. Common Stock	D	B	C	$22.29
TFSLTFS Financial Corporation	F	D	C	$17.53
BKUBankunited, Inc.	B	D	D	$46.39
PFSProvident Financial Services, Inc.	B	C	C	$23.51
CLBKColumbia Financial, Inc. Common Stock	F	F	A	$11.56
CFFNCapitol Federal Financial, Inc.	C	D	B	$8.66
HTBHomeTrust Bancshares, Inc.	C	B	D	$46.91
NFBKNorthfield Bancorp, Inc.	C	D	C	$15.31
KRNYKearny Financial Corporation	C	D	A	$9.82
NRIMNorthrim BanCorp Inc	B	D	D	$25.65
PDLBPonce Financial Group, Inc. Common Stock	C	A	B	$20.45
FMAOFarmers & Merchants Bancorp, Inc.	C	B	A	$34.25
FNRNFirst Northern Community Bancorp Common stock	D	D	C	$17.12
WNEBWestern New England Bancorp, Inc.	C	D	D	$13.72
FCAPFirst Capital Inc	C	B	B	$62.38
CZWICitizens Community Bancorp, Inc.	C	D	C	$21.02
FNWDFinward Bancorp Common Stock	C	C	B	$43.35
BVFLBV Financial, Inc. Common Stock	C	C	C	$21.35
BCBPBCB Bancorp Inc (NJ)	B	C	F	$8.60
FGBIFIRST GUARANTY BANCSHARES INC	B	C	D	$8.72
LSBKLake Shore Bancorp, Inc.	D	D	B	$17.18
MGYRMagyar Bancorp, Inc.	B	B	C	$19.48
SFBCSound Financial Bancorp, Inc.	D	D	D	$46.80
PROVProvident Financial Hldgs	C	D	C	$18.35
BYFCBroadway Financial Corp/Del	D	F	A	$12.31
RVSBRiverview Bancorp Inc	C	D	F	$5.16
FDSBFifth District Bancorp, Inc. Common Stock	D	A	B	$18.25
CPBICentral Plains Bancshares, Inc. Common Stock	D	F	B	$20.98
FSEAFirst Seacoast Bancorp, Inc. Common Stock	F	D	D	$17.18
HFBLHome Federal Bancorp, Inc. of Louisiana	B	C	C	$25.41
CLSTCatalyst Bancorp, Inc. Common Stock	D	D	C	$17.50
NSTSNSTS Bancorp, Inc. Common Stock	B	A	C	$13.99
KFFBKentucky First Federal Bancorp	D	A	A	$6.19
IROQIF Bancorp, Inc.	D	D	F	$0.00
SIFIHarbor Ares Systematic Multi-Sector Income ETF	—	—	D	$43.38

About Waterstone Financial, Inc.

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.