Waterstone Financial (WSBF) Stock Price, News & Analysis

Company Overview

Waterstone Financial, Inc. is a bank holding company based in Glendale, Wisconsin, that provides a broad range of financial services to individuals, businesses and institutions. Its primary operations are conducted through its wholly owned subsidiary, Waterstone Bank, which offers deposit products, loan facilities and treasury management services. The company focuses on delivering relationship-based banking solutions tailored to the needs of small and medium-sized enterprises as well as retail customers.

In addition to traditional commercial and consumer banking, Waterstone Financial supports its clients with specialized financing, including real estate, equipment and asset-based lending. The company’s treasury management platform features cash management, electronic banking and deposit services, while its branch network provides personalized service for routine transactions and advisory needs.

Waterstone Financial also operates a dedicated mortgage origination platform that originates and services residential and commercial mortgage loans. Through its lending arm, the company offers fixed-rate and adjustable-rate mortgage products, refinancing solutions and construction financing. It leverages its underwriting expertise and local market knowledge to facilitate mortgage lending across multiple states.

Headquartered in the Milwaukee metropolitan area, Waterstone Financial maintains a regional footprint with branch locations primarily in southeastern Wisconsin and the Phoenix metropolitan region of Arizona. Since its incorporation, the company has pursued a measured growth strategy, combining organic expansion with targeted acquisitions to broaden its product offerings and geographic reach.

Key Stats

• Today's Range: $14.72 to $15.23
• 50-Day Range: $13.19 to $14.99
• 52-Week Range: $11.61 to $16.86
• Volume: 35,279 shs
• Average Volume: 50,616 shs
• Market Capitalization: $275.89 million
• P/E Ratio: 12.96
• Dividend Yield: 4.06%
• Price Target: N/A
• Consensus Rating: N/A

Waterstone Financial Stock Analysis - MarketRank™

Waterstone Financial scored higher than 68% of companies evaluated by MarketBeat, and ranked 490th out of 925 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 12.96, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Waterstone Financial is 12.96, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.30.

Price to Book Value per Share Ratio

Waterstone Financial has a P/B Ratio of 0.84. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.70% 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 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Waterstone Financial has recently increased by 18.83%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Waterstone Financial is a leading dividend payer. It pays a dividend yield of 4.08%, 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 52.63%. 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

0.70% 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 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Waterstone Financial has recently increased by 18.83%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: N/A

News Sentiment

Waterstone Financial has a news sentiment score of 1.69. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

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

Search Interest

1 people have searched for WSBF on MarketBeat in the last 30 days.

MarketBeat Follows

1 people have added Waterstone Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Waterstone Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,585,720.00 in 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 beginning of 2025. Since then, WSBF stock has increased by 9.9% and is now trading at $14.77.

How were Waterstone Financial's earnings last quarter?

Waterstone Financial, Inc. (NASDAQ:WSBF) issued its quarterly earnings data on Tuesday, July, 22nd. The savings and loans company reported $0.43 earnings per share for the quarter. The savings and loans company had revenue of $38.04 million for the quarter. Waterstone Financial had a trailing twelve-month return on equity of 6.07% and a net margin of 10.47%.

Who are Waterstone Financial's major shareholders?

Waterstone Financial's top institutional shareholders include Bridgeway Capital Management LLC (2.35%), Geode Capital Management LLC (2.11%), CSM Advisors LLC (1.02%) and Arrowstreet Capital Limited Partnership (1.02%). Insiders that own company stock include Douglas S Gordon, Stephen J Schmidt, Patrick S Lawton, Mark Raymond Gerke, Ellen Syburg Bartel and Michael L Hansen.
View institutional ownership trends.

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 8/1 Dividend: 7/08/2025
• Ex-Dividend for 8/1 Dividend: 7/08/2025
• Last Earnings: 7/22/2025
• Dividend Payable: 8/01/2025
• Today: 9/06/2025
• Next Earnings (Estimated): 10/28/2025
• 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): $1.14
• Trailing P/E Ratio: 12.96
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $18.69 million
• Net Margins: 10.47%
• Pretax Margin: 12.97%
• Return on Equity: 6.07%
• Return on Assets: 0.93%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.02
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $130.70 million
• Price / Sales: 2.11
• Cash Flow: $1.11 per share
• Price / Cash Flow: 13.32
• Book Value: $17.50 per share
• Price / Book: 0.84

Miscellaneous

• Outstanding Shares: 18,679,000
• Free Float: 17,297,000
• Market Cap: $275.89 million
• Optionable: Optionable
• Beta: 0.75