NASDAQ · Banks - Regional

Waterstone Financial, Inc. (WSBF) Stock

$19.48 -0.51% NASDAQ: WSBF Financial Services

Valuation

MetricValue
Price$19.48
Market Cap$351.67M
P/E Ratio11.59
P/B Ratio0.98
P/S Ratio2.22
EPS (TTM)$1.48
52-Week High$21.66
52-Week Low$14.52
Dividend Yield3.41%

Financials & Margins

MetricValue
ROE8.64%
ROA1.34%
ROCE4.74%
Gross Margin16.83%
Operating Margin16.34%
Net Margin18.58%
Debt/Equity1.19
Current Ratio0.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$268.0M$171.0M$177.0M$199.0M$202.0M
Operating Profit$92.0M$24.0M$11.0M$24.0M$33.0M
Net Profit$71.0M$19.0M$9.0M$19.0M$26.0M
EPS$2.96$0.89$0.46$1.01$1.48
Op Margin34.3%14.3%6.2%12.0%16.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.2B$2.0B$2.2B$2.2B$2.3B
Total Liabilities$1.8B$1.7B$1.9B$1.9B$1.9B
Cash$363.0M$36.0M$31.0M$35.0M$64.0M
Borrowings$477.0M$387.0M$466.0M$447.0M$412.0M

Latest News

Waterstone Financial Declares Regular Quarterly Cash Dividend GlobeNewswire · Jun 23, 2026 The Zacks Analyst Blog NVIDIA, Mastercard, AbbVie, Waterstone and Precipio Zacks · May 13, 2026 Top Stock Reports for NVIDIA, Mastercard & AbbVie Zacks · May 12, 2026 Waterstone Financial's Q1 Earnings Jump Y/Y on Mortgage Growth Zacks · Apr 29, 2026 Waterstone Financial Expands Share Repurchase Program MT Newswires · Apr 27, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$142.0M$207.0M$-28.0M$48.0M$19.0M
Investing Cash Flow$159.0M$-336.0M$-160.0M$-25.0M$-5.0M
Financing Cash Flow$39.0M$-80.0M$-32.0M$155.0M$59.0M
Net Cash Flow$282.0M$-330.0M$-10.0M$3.0M$31.0M
Free Cash Flow$141.0M$206.0M$-28.0M$47.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.23
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y43.10%
Return 3Y47.29%
Return 5Y29.28%

Ownership

Insiders Held18.63%
Institutions Held53.39%
Institutions Float Held65.62%
Institutional HolderSharesReport Date
Blackrock Inc.1,505,9892026-03-31
Dimensional Fund Advisors LP1,413,5022026-03-31
Renaissance Technologies, LLC1,094,4712026-03-31
Vanguard Capital Management LLC700,2372026-03-31
State Street Corporation394,5152026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCMLBayCom Corp $30.53 -1.01% 25.99 $333.06M 3.85%
CBANColony Bankcorp, Inc. $19.97 -1.67% 12.39 $422.53M 2.35%
CZNCCitizens & Northern Corp $24.94 -1.31% 17.37 $446.84M 4.37%
FNLCFirst Bancorp, Inc (ME) $32.97 -1.41% 10.03 $371.76M 4.44%
FSBWFS Bancorp, Inc. $44.10 -0.50% 9.98 $326.98M 2.62%

About Waterstone Financial, Inc.

Waterstone Financial, Inc. is led by CEO William F. Bruss, publicly traded since 2005.

Waterstone Financial, Inc. (WSBF) stock trades at $19.48 with a market capitalization of $351.67M. The stock is valued at a price-to-earnings (P/E) ratio of 11.59, price-to-book of 0.98, price-to-sales of 2.22. Over the past 52 weeks the stock has ranged between $14.52 and $21.66, and currently trades 10.1% below its 52-week high. It pays a dividend yielding 3.41%.

On profitability, Waterstone Financial, Inc. generates a return on equity (ROE) of 8.64%, return on capital employed of 4.74%, an operating margin of 16.34%, a net profit margin of 18.58%.

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