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Equity
Waterstone Financial Inc(WSBF)
USD --+0.00%
Reward44Moderate
Risk61Medium-High
📊75%Data
Strong 17% profit margin · 3.9% dividend yield
WSBF
+0.0 · +0.00%
USD · NASDAQ
Waterstone Financial Inc | Financial Services
Balanced
Market Cap:285.90M
ℹ️
Reward Rating
44
Moderate
Bottom 25% (model universe)
75% data coverage
ℹ️
Risk Rating
61
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on WSBF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $12.50.

What is Waterstone Financial Inc?

operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States.

WSBF · Verdict

Moderate reward · elevated risk

WSBF has limited near-term tailwinds — valuation and balance sheet weigh on the model output.

Based on 88% data coverage

WSBF · Verdict

What’s working & what to watch

Watchouts 4

  • Valuation21/100

    Weak vs peers

  • Balance sheet32/100

    Net debt/EBITDA 10.4×

  • Cash flow41/100

    1% free-cash-flow margin

  • Growth42/100

    Rev +5.6% CAGR · earnings +10.7%

Model-based scoring. For information only — not financial advice.

What is Waterstone Financial Inc?

operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 285.90M, and a P/E ratio of 11.6x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (44)

The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap285.90M
P/E Ratio11.6466
Dividend Yield3.86%
52 Week High18.88
52 Week Low11.2706
Last AnnualDecember
IPO Date10/5/2005
IncorporatedUSA
Shares Outstanding18M
No. of Employees600
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.83
CurrencyUSD
Websitewww.wsbonline.com
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