Waterstone Financial/$WSBF
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Waterstone Financial
Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The majority of its revenue comes from the Community Banking segment.
- Ticker
- $WSBF
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 593
- Headquarters
- Wauwatosa, United States
- Website
- www.wsbonline.com
WSBF Metrics
BasicAdvanced
$357M
11.48
$1.73
0.71
$0.66
3.42%
Price and volume
Market cap
$357M
Beta
0.71
52-week high
$21.66
52-week low
$15.11
Average daily volume
58K
Dividend rate
$0.66
Financial strength
Dividend payout ratio (TTM)
35.94%
Profitability
Net profit margin (TTM)
20.00%
Operating margin (TTM)
25.13%
Effective tax rate (TTM)
20.97%
Revenue per employee (TTM)
$250,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
8.69%
Valuation
Price to earnings (TTM)
11.478
Price to revenue (TTM)
2.296
Price to book
1.02
Price to tangible book (TTM)
1.02
Price to free cash flow (TTM)
8.076
Free cash flow yield (TTM)
12.38%
Free cash flow per share (TTM)
2.459
Dividend yield (TTM)
3.32%
Forward dividend yield
3.42%
Growth
Revenue change (TTM)
12.13%
Earnings per share change (TTM)
53.05%
3-year revenue growth (CAGR)
1.85%
3-year earnings per share growth (CAGR)
42.97%
10-year earnings per share growth (CAGR)
8.98%
3-year dividend per share growth (CAGR)
-7.17%
10-year dividend per share growth (CAGR)
10.78%
Bulls say / Bears say
The core banking business is delivering stronger earnings: second-quarter net interest margin rose to 3.03% from 2.60% a year earlier, while community banking net interest income increased 16.1%. (WaterStone Bank)
Shareholder returns are substantial, with $6.5 million returned through dividends and buybacks in the second quarter; the company has since declared another $0.17 quarterly dividend. (WaterStone Bank, WaterStone Bank)
Credit quality remains favourable: nonperforming assets were 0.30% of total assets in June, down from 0.37% a year earlier, limiting evidence of current loan stress. (WaterStone Bank)
Mortgage banking remains exposed to pressure on loan-sale margins: its gross margin fell to 3.60% from 3.84%, and second-quarter pre-tax income dropped 20.2% year on year despite higher originations. (WaterStone Bank)
Loan growth is subdued: average loans held for investment increased just 0.6% year on year in the second quarter, limiting how much earnings can grow through balance-sheet expansion. (WaterStone Bank)
Credit costs warrant watching: the bank recorded a provision for funded-loan losses, partly reflecting commercial real estate risk factors, while past-due loans rose to 0.63% from 0.58% in the prior quarter. (U.S. Securities and Exchange Commission, WaterStone Bank)
Data summarised monthly by Lightyear AI. Last updated on 14 Oct 2026.
WSBF Financial Performance
Revenues and expenses
WSBF Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing WSBF
Fund name | Fund size | $WSBF weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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