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Company Analysis

Waterstone Financial, Inc. WSBF

A comprehensive view of key metrics, scores, and financial health for Waterstone Financial, Inc.

Overview of Waterstone Financial, Inc.

WSBF NMS
Financial Services Banks - Regional Small Cap
Waterstone Financial, Inc. (WSBF), is a Small Cap company, in the Banks - Regional industry, last closed at $17.54, about 16.5% undervalued vs fair value, +27.2% 1Y return, ranked 390/1004 in sector.
$17.54
-0.57%
As of March 13, 2026
Previous close • Vol 90d: 25.5%
52-Week Range
Market Cap
$320.60M
Enterprise Value
$669.30M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.wsbonline.com
HQ Wauwatosa, WI
Employees 593
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$38
Current: $17.54 +17% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$113.2M
14.1%%
Interest Expense
$59.4M
Net Interest Income
$46.2M
-8.1%%
Total Revenue
$201.6M
52.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$26.2M
140.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Waterstone Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
25
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
19
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing WSBF's balance between Growth (35.1%), Profitability (29.8%), and Safety (35.1%). Growth 35% Safety 35% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

34th percentile vs peers
34
Key Signals
Rev Growth YoY 52.3% 44p Asset Growth YoY 2.3% 36p Revenue CAGR 3Y 8.5% 19p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 34)

Profitability

29th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

34th percentile vs peers
34
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Waterstone Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.43
- - -
+16.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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