Waterstone Financial (WSBF) Stock Price, News & Analysis

Company Overview

Waterstone Financial, Inc. (NASDAQ: WSBF) is the bank holding company for WaterStone Bank, a community-focused financial institution headquartered in Brookfield, Wisconsin. Through its subsidiary, the company offers a comprehensive suite of banking products and services to individuals, small and mid-sized businesses, and professional practices across southeastern Wisconsin and northeastern Illinois. Its core offerings include checking and savings accounts, commercial and residential mortgage lending, business and industrial loans, and treasury management services.

On the commercial side, WaterStone Bank provides tailored financing solutions such as commercial real estate loans, equipment financing, lines of credit, and SBA-guaranteed loans. The bank’s treasury management division supports clients with cash-flow optimization tools, merchant services, ACH origination, and payment processing. For consumers and small businesses, WaterStone offers fixed- and adjustable-rate mortgages, home equity lines of credit, mobile and online banking platforms, debit and credit card services, and a variety of deposit products designed to meet evolving customer needs.

The banking operations trace their origins to community banking efforts in the greater Milwaukee area, growing through both organic expansion and selective acquisitions. Over time, management has focused on integrating local expertise with modern delivery channels, investing in digital platforms and financial technology to enhance customer experience while preserving the personal touch of a community bank. This hybrid model has supported steady deposit growth and diversified loan portfolios.

Waterstone Financial’s leadership team is composed of seasoned banking professionals led by Chief Executive Officer Steve Olwig and Chief Financial Officer Lance Golobic, under the oversight of an independent board of directors. The company emphasizes community engagement and supports local development initiatives, reinforcing its commitment to economic development and customer-driven service across its regional footprint.

Key Stats

• Today's Range: $13.35 to $13.63
• 50-Day Range: $12.44 to $14.20
• 52-Week Range: $11.61 to $16.86
• Volume: 40,082 shs
• Average Volume: 44,258 shs
• Market Capitalization: $258.04 million
• P/E Ratio: 13.11
• Dividend Yield: 4.49%
• Price Target: N/A
• Consensus Rating: N/A

Waterstone Financial Stock Analysis - MarketRank™

Waterstone Financial scored higher than 65% of companies evaluated by MarketBeat, and ranked 482nd out of 933 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Waterstone Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Waterstone Financial is 13.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Waterstone Financial is 13.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

Waterstone Financial has a P/B Ratio of 0.76. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.07% 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 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Waterstone Financial has recently decreased by 89.06%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Waterstone Financial is a leading dividend payer. It pays a dividend yield of 4.48%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Waterstone Financial is 58.82%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.07% 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 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Waterstone Financial has recently decreased by 89.06%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.6 / 5
• News Sentiment: N/A

News Sentiment

Waterstone Financial has a news sentiment score of 0.83. 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 news sentiment score is similar to the average news sentiment of Finance companies.

Company Ownership

• Score: 1.7 / 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

Only 7.40% 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.

WSBF Stock Analysis - Frequently Asked Questions

How have WSBF shares performed this year?

Waterstone Financial's stock was trading at $13.44 at the start of the year. Since then, WSBF shares have decreased by 0.5% and is now trading at $13.37.

How were Waterstone Financial's earnings last quarter?

Waterstone Financial, Inc. (NASDAQ:WSBF) released its earnings results on Tuesday, April, 22nd. The savings and loans company reported $0.17 earnings per share (EPS) for the quarter. The savings and loans company had revenue of $29.67 million for the quarter. Waterstone Financial had a trailing twelve-month return on equity of 5.51% and a net margin of 9.38%.

How do I buy shares of Waterstone Financial?

Shares of WSBF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Waterstone Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Waterstone Financial investors own include American Water Works (AWK), The RMR Group (RMR), Waste Connections (WCN), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC), AU Optronics (AUOTY) and Voyager Therapeutics (VYGR).

Company Calendar

• Record date for 5/1 Dividend: 4/08/2025
• Ex-Dividend for 5/1 Dividend: 4/08/2025
• Last Earnings: 4/22/2025
• Dividend Payable: 5/01/2025
• Record date for 8/1 Dividend: 7/08/2025
• Ex-Dividend for 8/1 Dividend: 7/08/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/24/2025
• Dividend Payable: 8/01/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:WSBF
• CIK: 1569994
• Web: www.wsbonline.com
• Phone: (414) 761-1000
• Fax: 414-918-0890
• Employees: 600
• Year Founded: 1921

Profitability

• EPS (Trailing Twelve Months): $1.02
• Trailing P/E Ratio: 13.16
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $18.69 million
• Net Margins: 9.38%
• Pretax Margin: 11.61%
• Return on Equity: 5.51%
• Return on Assets: 0.84%

Debt

• Debt-to-Equity Ratio: 1.16
• Current Ratio: 1.31
• Quick Ratio: 1.22

Sales & Book Value

• Annual Sales: $202.47 million
• Price / Sales: 1.28
• Cash Flow: $1.12 per share
• Price / Cash Flow: 12.01
• Book Value: $17.50 per share
• Price / Book: 0.77

Miscellaneous

• Outstanding Shares: 19,300,000
• Free Float: 17,867,000
• Market Cap: $259.10 million
• Optionable: Optionable
• Beta: 0.73