(WSBF) Waterstone Financial - Ratings and Ratios
Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US94188P1012
WSBF: Banking, Mortgage, Loans, Insurance, Investments, Credit Cards
Waterstone Financial, Inc. (NASDAQ:WSBF) is a bank holding company for WaterStone Bank SSB, offering a range of financial services in southeastern Wisconsin. The company operates through two primary segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products, including deposit solutions, credit and debit cards, residential mortgages, home equity loans, business loans, and investment services. It also offers insurance products and trust management accounts. The Mortgage Banking segment focuses on originating residential mortgage loans for sale in the secondary market. Additionally, the company invests in a portfolio of securities, including mortgage-backed securities, government-sponsored bonds, and municipal obligations. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, Waterstone Financial, Inc. was formerly known as Wauwatosa Holdings, Inc. and changed its name in August 2008. Its website can be accessed at https://www.wsbonline.com.
Exchange: NASDAQ
Type: common stock
Country Origin: United States
GICS Sub Industry: Commercial & Residential Mortgage Finance
Last Price: $14.07
SMA 20: $14.10
SMA 50: $13.60
SMA 200: $13.79
ATR: $0.40
P/E: 21.18
P/E Forward: 0.00
P/B: 0.81
P/S: 2.02
RoE: 3.93
3-Month Forecast:
Based on the technical and fundamental data, Waterstone Financial, Inc. is expected to maintain a stable performance. The stock price is currently trading near its 20-day SMA ($14.10), indicating potential consolidation. The low ATR ($0.40) suggests limited volatility in the near term. Fundamentally, the P/B ratio of 0.81 indicates undervaluation relative to book value, while the P/E of 21.18 reflects a premium for earnings. With a RoE of 3.93%, the companys profitability is moderate. Overall, the stock is likely to remain range-bound, with upside potential if the P/E compresses or if the company demonstrates improved earnings growth.
Additional Sources for WSBF Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
WSBF Stock Overview
| Market Cap in USD | 295m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2005-10-05 |
WSBF Stock Ratings
| Growth 5y | 8.77% |
| Fundamental | 2.34% |
| Dividend | 30.6% |
| Rel. Strength | -1.11 |
| Analysts | 3/5 |
| Fair Price Momentum | 13.41 USD |
| Fair Price DCF | 55.80 USD |
WSBF Dividends
| Dividend Yield 12m | 4.41% |
| Yield on Cost 5y | 5.22% |
| Annual Growth 5y | -14.06% |
| Payout Consistency | 93.1% |
WSBF Growth Ratios
| Growth Correlation 3m | 51.7% |
| Growth Correlation 12m | 50.9% |
| Growth Correlation 5y | -24% |
| CAGR 5y | 3.18% |
| CAGR/Max DD 5y | 0.06 |
| Sharpe Ratio 12m | 0.37 |
| Alpha | 9.57 |
| Beta | 0.642 |
| Volatility | 29.09% |
| Current Volume | 27.1k |
| Average Volume 20d | 31.6k |
As of March 31, 2025, the stock is trading at USD 13.46 with a total of 27,100 shares traded.
Over the past week, the price has changed by -1.90%, over one month by -5.34%, over three months by +2.56% and over the past year by +17.97%.
Neither. Based on ValueRay Fundamental Analyses, Waterstone Financial is currently (March 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 2.34 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of WSBF as of March 2025 is 13.41. This means that WSBF is currently overvalued and has a potential downside of -0.37%.
Waterstone Financial has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold WSBF.
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
According to ValueRays Forecast Model, WSBF Waterstone Financial will be worth about 14.5 in March 2026. The stock is currently trading at 13.46. This means that the stock has a potential upside of +7.73%.
| Issuer | Forecast | Upside |
|---|---|---|
| Wallstreet Target Price | 12.5 | -7.1% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 14.5 | 7.7% |