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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 Framework: Banks & Lenders Small Cap
Waterstone Financial, Inc. (WSBF), is a Small Cap company, in the Banks - Regional industry, last closed at $19.62, about 4.1% undervalued vs fair value, +46.0% 1Y return, ranked 381/1037 in sector.
Metrics Rev Growth 52.3% ROE 7.7% Gross Margin 71.2%
USD 19.62
1.45%
(Delayed)
• Vol 90d: 19.6%
52-Week Range
Market Cap
$349.10M
Enterprise Value
$697.80M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 21 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$20
$38
Current: $19.62 +4% 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

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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.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
30
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
27
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing WSBF's balance between Growth (25.9%), Profitability (29.4%), and Safety (44.7%). Growth 26% Safety 45% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

35th percentile vs peers
36
Key Signals
EPS Growth YoY 1.17 91p Asset Growth YoY 2.3% 36p NII Growth YoY -8.1% 16p Equity Growth YoY -1.4% 10p
Strengths
  • EPS Growth YoY in top 20% of peers (1.17, 91th percentile)
  • Equity/Assets in top 20% of peers (15.5%, 85th percentile)
  • Debt/Assets in top 20% of peers (18.2%, 84th percentile)
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (-8.1%)
  • Equity Growth YoY in bottom 20% of peers (-1.4%)
  • Growth below peer median (percentile: 35)

Profitability

40th percentile vs peers
41
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
62
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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$20.43
- - -
+4.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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