Waterstone Financial, Inc. (WSBF) stock
WSBFNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 16/304% below fair value
$20.14+0.06 (+0.30%)
Close on Nov 12, 2026Market cap $362.06MP/E 11.7Yield 2.98%
Waterstone Financial statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Q3 FY2026, expected soon
- Last ex-dividend date
- Oct 8, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.03
- 1.52
- P/OCF Ratio
- 8.09
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 2.19
- 2.95
- EV / FCF
- 7.70
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -4.46%
- 0.35%
- Shares Change (QoQ)
- -0.94%
- 0.00%
- Float
- 17M
- 17M
- Shares Held by Insiders
- 4.78%
- 6.05%
- Shares Held by Institutions
- 54.4%
- 61.3%
Short sellingIndustry
- Short Interest
- 436,085
- –
- Short Interest Change
- -1.02%
- -4.13%
- Short % of Float
- 2.55%
- 3.58%
- Short % of Shares Outstanding
- 2.43%
- 3.18%
- Days to Cover
- 10.05
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $21.66
- –
- 52-Week Low
- $15.11
- –
- 20-Day Moving Average
- $19.95
- –
- 50-Day Moving Average
- $20.22
- –
- 200-Day Moving Average
- $19.31
- –
- Average True Range (14)
- $0.51
- –
- Price Change (1 Week)
- 0.40%
- 0.51%
- Price Change (1 Month)
- 2.08%
- 4.83%
- Price Change (3 Months)
- -5.27%
- -3.58%
- Price Change (6 Months)
- 10.8%
- 10.8%
- Price Change (YTD)
- 21.7%
- 19.6%
- Price Change (1 Year)
- 29.5%
- 25.4%
- Price Change (3 Years)
- 77.8%
- 76.7%
- Price Change (5 Years)
- -8.83%
- 26.5%
- Price Change (10 Years)
- 14.4%
- 67.0%
- Average Volume (10 Days)
- 44,984
- –
- Average Volume (20 Days)
- 44,729
- –
- Average Volume (90 Days)
- 68,980
- –
- Relative Volume
- 0.43
- 0.67
- Relative Strength Index (14)
- 51.7
- 52.6
- Volatility (1 Year)
- 21.9%
- 24.4%
- Beta (5 Years)
- 0.53
- 0.63
MarginsIndustry
- Pretax Margin
- 25.4%
- 36.9%
- FCF Margin
- 28.5%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 8.69%
- 10.8%
- Return on Assets (ROA)
- 1.33%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 12.4%
- 11.8%
- Net Income Growth (YoY)
- 45.4%
- 22.7%
- EPS Growth (YoY)
- 50.9%
- 21.6%
- FCF Growth (YoY)
- -49.6%
- 27.5%
- Revenue Growth (3Y CAGR)
- -4.42%
- 5.82%
- Revenue Growth (5Y CAGR)
- -13.8%
- 6.17%
- EPS Growth (3Y CAGR)
- 18.5%
- 1.31%
- EPS Growth (5Y CAGR)
- -14.8%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.07
- 0.04
- Revenue Per Employee
- $253.21K
- $359.04K
- Profits Per Employee
- $50.76K
- $110.51K
- Employee Count
- 593
- 492
- WACC
- 7.52%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $38.08M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $32.75M
- $166.15M
- Net Cash Per Share
- $1.82
- $8.19
- Equity (Book Value)
- $351.13M
- $570.13M
- Book Value Per Share
- $19.53
- $28.22
- Tangible Book Value
- $351.13M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.97M
- -$4.27M
- FCF Per Share
- $2.38
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 8.31%
- 8.32%
- FCF Yield
- 11.8%
- 9.23%
- Dividend Yield
- 2.98%
- 2.44%
- Buyback Yield
- 4.04%
- 1.80%
- Shareholder Yield
- 7.02%
- 3.22%
- Dividend Per Share
- $0.60
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 35.9%
- 29.0%
- FCF Payout Ratio
- 25.3%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $7.98M
- $16.14M
- Effective Tax Rate
- 21.0%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $27.49
- $45.31
- Graham Upside
- 36.5%
- 18.8%
- Altman Z-Score
- 0.37
- 0.22
- Piotroski F-Score
- 6
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | WSBF | S&P 500 | Difference | WSBF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +2.2% | -2.7% | +4.9 pts | ||
| 3 months | -3.3% | -1.7% | −1.5 pts | ||
| Year to date | +26.1% | +11.9% | +14.2 pts | ||
| 1 year | +34.3% | +12.0% | +22.3 pts | ||
| 3 years | +103.7% | +78.2% | +25.5 pts | +26.8% | +21.2% |
| 5 years | +16.6% | +73.2% | −56.6 pts | +3.1% | +11.6% |
| 10 years | +99.9% | +309.6% | −209.7 pts | +7.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M WSBF shares were sold short on Oct 30, 2026, down 1.0% from the previous report, or 2.55% of the shares available to trade. At recent volumes it would take 10.1 days to buy them back. Over the last 20 sessions, 49.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 436,085 | -1.0% | 43,399 | 10.1 |
| Oct 15, 2026 | 440,566 | +17.5% | 73,695 | 6.0 |
| Sep 30, 2026 | 375,057 | -10.9% | 90,932 | 4.1 |
| Sep 15, 2026 | 420,725 | -2.7% | 107,650 | 3.9 |
| Aug 31, 2026 | 432,184 | +9.1% | 63,209 | 6.8 |
| Aug 14, 2026 | 396,115 | +21.2% | 51,604 | 7.7 |
| Jul 31, 2026 | 326,899 | +3.1% | 66,116 | 4.9 |
| Jul 15, 2026 | 317,146 | -4.8% | 82,499 | 3.8 |
| Jun 30, 2026 | 333,190 | +13.1% | 113,820 | 2.9 |
| Jun 15, 2026 | 294,485 | +24.1% | 53,128 | 5.5 |
| May 29, 2026 | 237,358 | +26.2% | 48,815 | 4.9 |
| May 15, 2026 | 188,145 | +8.1% | 58,496 | 3.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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