Waterstone Financial (WSBF) Stock Price, News & Analysis

Company Overview

Waterstone Financial, Inc. (NASDAQ: WSBF) is a bank holding company headquartered in Wauwatosa, Wisconsin. Its principal subsidiary, WaterStone Bank, is a community-focused financial institution serving individuals, families and businesses in southeastern Wisconsin.

WaterStone Bank provides a range of banking products and services, including checking and savings accounts, certificates of deposit, consumer loans, residential mortgage lending, home equity financing, commercial real estate loans, construction financing and commercial business loans. The bank also offers online and mobile banking services and other customary deposit and cash-management solutions.

WaterStone Bank traces its roots to 1921 and has developed from a local savings institution into a full-service community bank. Waterstone Financial’s operations remain concentrated in Wisconsin, with an emphasis on relationship banking and lending to local households and businesses. The company is led through its holding-company and bank management structure, with current leadership and operating priorities disclosed in its public filings.

Key Stats

• Today's Range: $21.37 to $21.59
• 50-Day Range: $19.35 to $21.51
• 52-Week Range: $14.52 to $21.66
• Volume: 1,430 shs
• Average Volume: 65,621 shs
• Market Capitalization: $385.44 million
• P/E Ratio: 12.45
• Dividend Yield: 3.17%
• Price Target: N/A
• Consensus Rating: Buy

Waterstone Financial Stock Analysis - MarketRank™

Waterstone Financial scored higher than 38% of companies evaluated by MarketBeat, and ranked 693rd out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Waterstone Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Waterstone Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Waterstone Financial is 12.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.19.

Price to Earnings Ratio vs. Sector

The P/E ratio of Waterstone Financial is 12.42, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.68.

Price to Book Value per Share Ratio

Waterstone Financial has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.56% of the float of Waterstone Financial has been sold short.

Short Interest Ratio / Days to Cover

Waterstone Financial has a short interest ratio ("days to cover") of 6.84.

Change versus previous month

Short interest in Waterstone Financial has recently increased by 9.11%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Waterstone Financial pays a meaningful dividend of 3.18%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Waterstone Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Waterstone Financial is 39.53%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: 1.71

News Sentiment

Waterstone Financial has a news sentiment score of 1.71. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.88 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Waterstone Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Waterstone Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

6.00% of the stock of Waterstone Financial is held by insiders.

Percentage Held by Institutions

62.71% of the stock of Waterstone Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 8/3 Dividend: 7/08/2026
• Ex-Dividend for 8/3 Dividend: 7/08/2026
• Last Earnings: 7/23/2026
• Dividend Payable: 8/03/2026
• Today: 9/14/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:WSBF
• CIK: 1569994
• Web: www.wsbonline.com
• Phone: (414) 761-1000
• Fax: 414-918-0890
• Employees: 593
• Year Founded: 1921

Profitability

• EPS (Trailing Twelve Months): $1.72
• Trailing P/E Ratio: 12.45
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $26.40 million
• Net Margins: 14.57%
• Pretax Margin: 18.44%
• Return on Equity: 8.64%
• Return on Assets: 1.33%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.01
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $201.29 million
• Price / Sales: 1.91
• Cash Flow: $1.57 per share
• Price / Cash Flow: 13.62
• Book Value: $18.93 per share
• Price / Book: 1.13

Miscellaneous

• Outstanding Shares: 17,980,000
• Free Float: 16,898,000
• Market Cap: $385.44 million
• Optionable: Optionable
• Beta: 0.71