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Waterstone Financial (WSBF)
NASDAQ:WSBF
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Waterstone Financial
(NASDAQ:WSBF)
65Neutral
Waterstone Financial (WSBF) vs. S&P 500 (SPY)
Market Cap
$260.24M
Dividend Yield4.45%
Average Volume (3M)48.71K
Price to Earnings (P/E)13.4
Beta (1Y)1.08
Revenue Growth12.23%
EPS Growth119.35%
CountryUS
Employees698
SectorFinancial
Sector Strength81
IndustryBanking
Share Statistics
EPS (TTM)1.01
Shares Outstanding19,319,807
10 Day Avg. Volume41,590
30 Day Avg. Volume48,711
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)N/A
Price to Sales (P/S)1.92
Price to Cash Flow (P/CF)2.80
P/FCF Ratio1.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Waterstone Financial Business Overview & Revenue Model
Company DescriptionWaterstone Financial, Inc. (WSBF) is a bank holding company headquartered in Wauwatosa, Wisconsin. It operates primarily through its subsidiary, WaterStone Bank, which provides a wide range of financial services including personal and business banking solutions, mortgage lending, and investment services. The bank serves individual and commercial clients with a focus on community banking, offering products such as checking and savings accounts, home loans, and commercial real estate financing.
How the Company Makes MoneyWaterstone Financial makes money primarily through interest income earned on loans and investments, as well as non-interest income from service fees and charges. The company's key revenue streams include interest from mortgage loans, commercial real estate loans, and consumer loans. Additionally, Waterstone generates income from fees associated with deposit account services, transaction fees, and investment advisory services. The company's earnings are also influenced by its ability to manage interest rate risk and maintain a robust asset-liability management strategy.
Waterstone Financial Financial Statement Overview
Summary
Waterstone Financial shows mixed financial health. Revenue growth is positive but declining in momentum, with high profit margins. The balance sheet is strong with no debt but has a modest ROE. Cash flow variability signals potential liquidity challenges.Income Statement
Waterstone Financial's recent revenue growth rate of 14.05% from 2023 to 2024 shows positive momentum, but it's a significant decline from prior years. The company's gross profit margin and net profit margin for 2024 are strong at 100% and 16.51%, respectively, indicating efficient cost management. However, the EBIT margin has shown volatility over the years, and the absence of EBITDA data limits a comprehensive analysis of operating efficiency.65
Positive
Balance Sheet
The company's balance sheet is stable with a debt-to-equity ratio of 0 in 2024, showing no financial leverage risk. The equity ratio of 15.35% highlights a conservative capital structure, though lower than desired for high growth potential. Return on Equity (ROE) for 2024 is relatively modest at 5.51%, reflecting limited returns on shareholder investments despite low debt levels.70
Positive
Cash Flow
The cash flow performance of Waterstone Financial shows variability, with free cash flow turning positive in 2024 after a negative previous year, indicating improved cash generation. The operating cash flow to net income ratio is low, highlighting potential challenges in converting income into cash. The free cash flow to net income ratio for 2024 is also low, suggesting constraints in cash available for growth and investment.60
Neutral
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 113.17M | 99.21M | 157.76M | 254.10M | 292.87M | Gross Profit |
| 113.17M | 99.21M | 157.76M | 254.10M | 292.87M | EBIT |
| 106.43M | 11.03M | 24.48M | 92.11M | 108.12M | EBITDA |
| 0.00 | 0.00 | 28.51M | 98.16M | 113.72M | Net Income Common Stockholders |
| 18.69M | 9.38M | 19.49M | 70.79M | 81.14M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 243.73M | 36.42M | 232.55M | 541.76M | 235.54M | Total Assets |
| 2.21B | 2.21B | 2.03B | 2.22B | 2.18B | Total Debt |
| 443.55M | 464.00M | 385.70M | 475.00M | 499.00M | Net Debt |
| 408.09M | 433.07M | 349.74M | 112.26M | 423.08M | Total Liabilities |
| 1.87B | 1.87B | 1.66B | 1.78B | 1.77B | Stockholders Equity |
| 339.13M | 344.06M | 370.49M | 432.77M | 413.12M |
| Cash Flow | Free Cash Flow | |||
| 46.96M | -28.28M | 205.96M | 153.68M | -94.81M | Operating Cash Flow |
| 48.06M | -27.58M | 206.66M | 154.45M | -93.58M | Investing Cash Flow |
| -23.96M | -159.22M | -335.74M | 147.62M | 37.19M | Financing Cash Flow |
| -20.76M | 176.58M | -201.00M | -20.12M | 76.86M |
Waterstone Financial Technical Analysis
Neutral
13.61
Price Trends
13.60
Positive
14.16
Negative
13.86
Negative
Market Momentum
-0.09
Positive
43.65
Neutral
27.14
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSBF, the sentiment is Neutral. The current price of 13.61 is below the 20-day moving average (MA) of 14.07, above the 50-day MA of 13.60, and below the 200-day MA of 13.86, indicating a neutral trend. The MACD of -0.09 indicates Positive momentum. The RSI at 43.65 is Neutral, neither overbought nor oversold. The STOCH value of 27.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for WSBF.
Waterstone Financial Risk Analysis
Waterstone Financial disclosed 39 risk factors in its most recent earnings report. Waterstone Financial reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Waterstone Financial Peers Comparison
Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $6.58B | 12.26 | 9.06% | 2.71% | 16.39% | -13.25% | |
72 Outperform | $788.59M | 18.72 | 5.04% | 4.01% | 4.64% | -28.68% | |
68 Neutral | $1.21B | 18.26 | 5.60% | 2.76% | 4.29% | -9.78% | |
65 Neutral | $260.24M | 13.40 | 5.47% | 4.45% | 12.23% | 119.35% | |
63 Neutral | $13.85B | 10.47 | 9.22% | 4.23% | 17.31% | -7.79% | |
63 Neutral | $742.83M | 8.83 | 13.66% | 1.33% | 4.19% | -7.40% | |
62 Neutral | $3.14B | 10.97 | 9.69% | 3.91% | 21.10% | -4.20% |
* Financial Sector Average
Performance Comparison
WSBF
Waterstone Financial
13.61
2.75
25.32%
BHLB
Berkshire Hills
25.75
4.58
21.63%
FULT
Fulton Financial
17.50
3.16
22.04%
HFWA
Heritage Financial
23.24
5.62
31.90%
ONB
Old National Bancorp Capital
20.20
4.26
26.73%
OSBC
Old Second Bancorp
16.18
3.16
24.27%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.