WSBF
Waterstone Financial, Inc. [WSBF] Stock Forecast
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In the News
Waterstone (WSBF) Cuts Dividend to Improve Capital Allocation
Waterstone Financial (WSBF) cuts quarterly dividend by 25% to 15 cents per share to enhance capital distributions. It plans to reallocate lowered dividends to repurchase shares.
Waterstone Financial (WSBF) Q2 Earnings and Revenues Miss Estimates
Waterstone Financial (WSBF) came out with quarterly earnings of $0.20 per share, missing the Zacks Consensus Estimate of $0.27 per share. This compares to earnings of $0.36 per share a year ago.
4 Reasons Why Waterstone (WSBF) is an Attractive Pick Now
Amid the current macroeconomic backdrop, Waterstone (WSBF) looks promising on earnings and balance sheet growth, and capital deployments.
Waterstone Financial (WSBF) Rolls Out 2M Share Buyback Plan
Waterstone Financial (WSBF) announces a repurchase plan of up to 2 million shares. Also, a quarterly dividend of 20 cents per share provides a steady income stream for investors.
Waterstone Financial (WSBF) Q1 Earnings and Revenues Surpass Estimates
Waterstone Financial (WSBF) came out with quarterly earnings of $0.10 per share, beating the Zacks Consensus Estimate of $0.07 per share. This compares to earnings of $0.23 per share a year ago.
Waterstone Financial (WSBF) Q4 Earnings and Revenues Lag Estimates
Waterstone (WSBF) delivered earnings and revenue surprises of -73.33% and 8.13%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
Waterstone Financial (WSBF) Q3 Earnings Miss Estimates
Waterstone (WSBF) delivered earnings and revenue surprises of -13.79% and 8.64%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?
Should Value Investors Buy Waterstone Financial (WSBF) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Are Investors Undervaluing Waterstone Financial (WSBF) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Is Waterstone Financial (WSBF) Stock Undervalued Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
WSBF Financial details
WSBF Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2023-12-31
| Metric | History | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 6.9 | 11.97 | 10.7 | 7.21 | 9.02 | |
| Net income per share | 1.38 | 3.32 | 2.98 | 0.89 | 0.47 | |
| Operating cash flow per share | -1.55 | -3.83 | 6.51 | 9.44 | -3.45 | |
| Free cash flow per share | -1.67 | -3.88 | 6.47 | 9.41 | -3.5 | |
| Cash per share | 9.23 | 9.63 | 22.82 | 10.63 | 11.7 | |
| Book value per share | 15.13 | 16.89 | 18.23 | 16.93 | 17.07 | |
| Tangible book value per share | 58.66 | 16.89 | 18.23 | 16.93 | 17.07 | |
| Share holders equity per share | 15.13 | 16.89 | 18.23 | 16.93 | 17.07 | |
| Interest debt per share | 19.77 | 21.42 | 20.61 | 18.23 | 31.47 | |
| Market cap | 495.18M | 460.41M | 518.98M | 377.28M | 286.24M | |
| Enterprise value | 903.58M | 883.49M | 631.24M | 727.02M | 866.37M | |
| P/E ratio | 13.79 | 5.67 | 7.33 | 19.36 | 30.53 | |
| Price to sales ratio | 2.76 | 1.57 | 2.04 | 2.39 | 1.57 | |
| POCF ratio | -12.31 | -4.92 | 3.36 | 1.83 | -4.11 | |
| PFCF ratio | -11.43 | -4.86 | 3.38 | 1.83 | -4.06 | |
| P/B Ratio | 1.26 | 1.11 | 1.2 | 1.02 | 0.83 | |
| PTB ratio | 1.26 | 1.11 | 1.2 | 1.02 | 0.83 | |
| EV to sales | 5.03 | 3.02 | 2.48 | 4.61 | 4.76 | |
| Enterprise value over EBITDA | 17.29 | 7.77 | 6.43 | 25.5 | 509.63 | |
| EV to operating cash flow | -22.47 | -9.44 | 4.09 | 3.52 | -12.44 | |
| EV to free cash flow | -20.85 | -9.32 | 4.11 | 3.53 | -12.29 | |
| Earnings yield | 0.07 | 0.18 | 0.14 | 0.05 | 0.03 | |
| Free cash flow yield | -0.09 | -0.21 | 0.3 | 0.55 | -0.25 | |
| Debt to equity | 1.24 | 1.21 | 1.1 | 1.04 | 1.78 | |
| Debt to assets | 0.24 | 0.23 | 0.21 | 0.19 | 0.28 | |
| Net debt to EBITDA | 7.81 | 3.72 | 1.14 | 12.27 | 341.25 | |
| Current ratio | 1.6 | 8.12 | 108.35 | 1.25 | 0.07 | |
| Interest coverage | 1.73 | 4.33 | 6.41 | 1.84 | 6.58 | |
| Income quality | -1.12 | -1.15 | 2.18 | 10.61 | -7.43 | |
| Dividend Yield | 0.05 | 0.07 | 0.06 | 0.08 | 0.05 | |
| Payout ratio | 0.72 | 0.39 | 0.43 | 1.55 | 1.64 | |
| Sales general and administrative to revenue | 0.57 | 0.47 | 0.53 | 0.63 | 0.46 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.1 | 0.08 | 0.09 | 0.1 | 0.84 | |
| Capex to operating cash flow | 0.08 | 0.01 | -0.01 | 0 | 0.01 | |
| Capex to revenue | -0.02 | 0 | 0 | 0 | 0 | |
| Capex to depreciation | -0.66 | -0.22 | -0.13 | -0.17 | -0.52 | |
| Stock based compensation to revenue | 0.01 | 0 | 0 | 0 | 0 | |
| Graham number | 21.67 | 35.5 | 34.97 | 18.42 | 13.36 | |
| ROIC | 0.04 | 0.09 | 0.08 | 0.03 | 0.14 | |
| Return on tangible assets | 0.02 | 0.04 | 0.04 | 0.01 | 0.03 | |
| Graham Net | -8.84 | -62.78 | -52.29 | -65.28 | -59.95 | |
| Working capital | 89.72M | 206.54M | 536.76M | 46.85M | -461.49M | |
| Tangible asset value | 1.33B | 239.88M | 239.08M | 167.83M | -1.51B | |
| Net current asset value | -229.93M | -1.54B | -1.24B | -1.43B | -1.83B | |
| Invested capital | 1.24 | 1.21 | 1.1 | 1.04 | 1.78 | |
| Average receivables | 0 | 0 | 0 | 0 | 822.83M | |
| Average payables | 0 | 0 | 0 | 0 | 0 | |
| Average inventory | 0 | 0 | 0 | 0 | -807.5M | |
| Days sales outstanding | 0 | 0 | 0 | 0 | 3.3K | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | -385.28K | |
| Receivables turnover | 0 | 0 | 0 | 0 | 0.11 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.09 | 0.2 | 0.16 | 0.05 | 0.03 | |
| Capex per share | -0.12 | -0.05 | -0.03 | -0.03 | -0.04 |
Quarterly Fundamentals Overview
Last date of statement is 2023-12-31 for Q4
| Metric | History | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 1.43 | 1.5 | 1.73 | 1.68 | 2.25 | |
| Net income per share | 0.04 | 0.1 | 0.2 | 0.16 | 0 | |
| Operating cash flow per share | 3.22 | -1.5 | -1.97 | 2.24 | -0.88 | |
| Free cash flow per share | 3.22 | -1.5 | -1.97 | 2.24 | -0.9 | |
| Cash per share | 10.49 | 11.81 | 12.2 | 12.53 | 12.17 | |
| Book value per share | 16.71 | 17.51 | 17.45 | 17.32 | 17.75 | |
| Tangible book value per share | 16.71 | 17.51 | 17.45 | 17.32 | 17.75 | |
| Share holders equity per share | 16.71 | 17.51 | 17.45 | 17.32 | 17.75 | |
| Interest debt per share | 17.62 | 24.35 | 29.78 | 24.97 | 31.88 | |
| Market cap | 382.28M | 316.07M | 295.36M | 218.98M | 275.2M | |
| Enterprise value | 732.02M | 770.38M | 837.24M | 647.92M | 855.32M | |
| P/E ratio | 102.21 | 36.67 | 18.43 | 16.83 | -1.72K | |
| Price to sales ratio | 12.08 | 10.09 | 8.37 | 6.54 | 6.32 | |
| POCF ratio | 5.35 | -10.07 | -7.37 | 4.88 | -16.12 | |
| PFCF ratio | 5.35 | -10.05 | -7.35 | 4.89 | -15.73 | |
| P/B Ratio | 1.03 | 0.86 | 0.83 | 0.63 | 0.8 | |
| PTB ratio | 1.03 | 0.86 | 0.83 | 0.63 | 0.8 | |
| EV to sales | 23.13 | 24.59 | 23.74 | 19.34 | 19.63 | |
| Enterprise value over EBITDA | 458.37 | 214.17 | 143.61 | 145.01 | 828 | |
| EV to operating cash flow | 10.24 | -24.55 | -20.89 | 14.44 | -50.09 | |
| EV to free cash flow | 10.25 | -24.51 | -20.84 | 14.48 | -48.9 | |
| Earnings yield | 0 | 0.01 | 0.01 | 0.01 | 0 | |
| Free cash flow yield | 0.19 | -0.1 | -0.14 | 0.2 | -0.06 | |
| Debt to equity | 1.04 | 1.37 | 1.67 | 1.4 | 1.78 | |
| Debt to assets | 0.19 | 0.24 | 0.27 | 0.22 | 0.28 | |
| Net debt to EBITDA | 219 | 126.3 | 92.95 | 96 | 561.59 | |
| Current ratio | 1.25 | 1.17 | 0.62 | 1.58 | 0.07 | |
| Interest coverage | 0.13 | 0.34 | 0.44 | 0.26 | 5.38 | |
| Income quality | 76.44 | -14.56 | -10 | 13.8 | 426.9 | |
| Dividend Yield | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | |
| Payout ratio | 4.5 | 1.95 | 1.03 | 1.26 | -73.88 | |
| Sales general and administrative to revenue | 0.67 | 0.64 | 0.63 | 0.64 | 0.46 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.1 | 0 | 0 | 0 | 0.84 | |
| Capex to operating cash flow | 0 | 0 | 0 | 0 | 0.02 | |
| Capex to revenue | 0 | 0 | 0 | 0 | -0.01 | |
| Capex to depreciation | -0.06 | -0.06 | -0.14 | -0.18 | -0.4 | |
| Stock based compensation to revenue | 0 | 0 | 0 | 0 | 0 | |
| Graham number | 3.98 | 6.38 | 8.79 | 7.96 | 0.91 | |
| ROIC | 0 | 0 | 0 | 0 | 0 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -64.43 | -71.9 | -79.74 | -81.23 | -84.37 | |
| Working capital | 46.85M | 36.12M | -151.86M | 91.56M | -461.49M | |
| Tangible asset value | 167.83M | 365.81M | 355.76M | 346.33M | -1.51B | |
| Net current asset value | -1.43B | -1.5B | -1.63B | -1.62B | -1.83B | |
| Invested capital | 1.04 | 1.37 | 1.67 | 1.4 | 1.78 | |
| Average receivables | 0 | 0 | 0 | 0 | 0 | |
| Average payables | 0 | 0 | 0 | 0 | 0 | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 0 | 0 | 0 | 0 | 0 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0 | 0.01 | 0.01 | 0.01 | 0 | |
| Capex per share | 0 | 0 | -0.01 | -0.01 | -0.02 |
WSBF Frequently Asked Questions
What is Waterstone Financial, Inc. stock symbol ?
Waterstone Financial, Inc. is a US stock , located in Wauwatosa of Wi and trading under the symbol WSBF
What is Waterstone Financial, Inc. stock quote today ?
Waterstone Financial, Inc. stock price is $10.89 today.
Is Waterstone Financial, Inc. stock public?
Yes, Waterstone Financial, Inc. is a publicly traded company.
Company Profile
- Volume Average 54.66K
- Market Capitalization 227M
- Employee 698
- CEO Mr. William F. Bruss
- Headquarters Wauwatosa,WI,US
- IPO Date 2005-10-05
-
Website
https://www.wsbonline.com 
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 Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. The company also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
