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Waterstone Financial, Inc.(WSBF)Earnings, Financials & Key Ratios
WSBF•NASDAQ•Banking & Credit
$18.56
$341M mkt cap·12.5× P/E·Price updated May 7, 2026
AboutWaterstone 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.Show more
- Net Interest Income$57M+22.9%
- Total Revenue$202M+1.1%
- Net Income$26M+41.3%
- Return on Equity7.67%+40.2%
- Net Interest Margin2.51%+20.2%
- Efficiency Ratio54.65%+0.4%
- ROA1.18%+39.8%
- Equity / Assets15.46%+0.7%
- Book Value per Share19.56+7.2%
- Tangible BV/Share19.56+7.4%
- Debt/Equity1.18-10.4%
WSBF Key Insights
Waterstone Financial, Inc. (WSBF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 54.7% efficiency ratio
- ✓Well capitalized: 15.5% equity/assets
- ✓Healthy dividend yield of 3.2%
- ✓Share count reduced 3.9% through buybacks
- ✓Diversified revenue: 42.4% from non-interest income
✗Weaknesses
- ✗Profits declining 20.1% over 5 years
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
WSBF Price & Volume
Waterstone Financial, Inc. (WSBF) stock price & volume — 10-year historical chart
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WSBF Growth Metrics
Waterstone Financial, Inc. (WSBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years1.94%
5 Years-8.7%
3 Years5.63%
TTM-
Profit CAGR
10 Years4.77%
5 Years-20.11%
3 Years10.65%
TTM41.28%
EPS CAGR
10 Years10.21%
5 Years-14.82%
3 Years18.47%
TTM46.53%
Return on Capital
10 Years5.4%
5 Years4.11%
3 Years2.67%
Last Year2.58%
WSBF Recent Earnings
Waterstone Financial, Inc. (WSBF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (38%)●Beat Revenue 6/12 qtrs (75%)
Q2 2026Latest
Apr 23, 2026EPS
$0.34
Est $0.66
-48.5%
Revenue
$49M
Est $66M
-25.2%
Q1 2026
Jan 28, 2026EPS
$0.44
Est $0.33
+33.3%
Revenue
$32M
Est $41M
-22.9%
Q4 2025
Oct 23, 2025EPS
$0.45
Revenue
$51M
Q3 2025
Jul 22, 2025EPS
$0.43
Revenue
$52M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.34vs $0.66-48.5% | $49Mvs $66M-25.2% |
| Q1 2026 | Jan 28, 2026 | $0.44vs $0.33+33.3% | $32Mvs $41M-22.9% |
| Q4 2025 | Oct 23, 2025 | $0.45 | $51M |
| Q3 2025 | Jul 22, 2025 | $0.43 | $52M |
Based on last 12 quarters of dataView full earnings history →
WSBF Peer Comparison
Waterstone Financial, Inc. (WSBF) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.35B | 45.07 | 13.53 | 10.36% | 9.51% | 0.17 | ||
 BSVN | 415.88M | 43.95 | 9.77 | -3.87% | 18.21% | |||
 LKFN | 1.63B | 62.60 | 15.61 | -1.93% | 14.19% | 0.24 | ||
 MGYR | 114.53M | 17.68 | 11.33 | 12.08% | 9.18% | 0.41 | ||
 PFSI | 4.62B | 88.65 | 9.53 | 173.81% | 12.02% | 5.35 | ||
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 10.27% | 2.42 | ||
 UWMC | 525.75M | 3.38 | 28.17 | 65.83% | 1.67% | 9.06 | ||
 RKT | 39.9B | 14.13 | -282.60 | 27.37% | -0.57% |
Compare WSBF vs Peers
Waterstone Financial, Inc. (WSBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
WSBF Income Statement
Waterstone Financial, Inc. (WSBF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 50.73M | 54.18M | 52.2M | 53.5M | 55.52M | 56.95M | 50.22M | 46.17M | 56.73M |
| NII Growth % | 16.78% | 6.79% | -3.65% | 2.5% | 3.77% | 2.59% | -11.83% | -8.06% | 22.89% |
| Net Interest Margin % | 2.81% | 2.83% | 2.61% | 2.45% | 2.51% | 2.8% | 2.27% | 2.09% | 2.51% |
| Interest Income | 67.09M | 73.7M | 79.74M | 78.48M | 69.88M | 70.25M | 99.21M | 113.17M | 116.11M |
| Interest Expense | 16.36M | 19.52M | 27.54M | 24.98M | 14.37M | 13.29M | 48.99M | 67M | 59.37M |
| Loan Loss Provision | -1.17M | -1.06M | -900K | 6.34M | -3.99M | 968K | 656K | -168K | -1.39M |
| Non-Interest Income | 121.35M | 114.83M | 127.46M | 239.37M | 198.59M | 100.81M | 77.76M | 86.21M | 85.5M |
| Non-Interest Income % | 64.4% | 60.91% | 61.52% | 75.31% | 73.97% | 58.93% | 43.94% | 43.24% | 42.41% |
| Total Revenue | 188.45M▲ 0% | 188.53M▲ 0.0% | 207.2M▲ 9.9% | 317.86M▲ 53.4% | 268.47M▼ 15.5% | 171.06M▼ 36.3% | 176.97M▲ 3.5% | 199.38M▲ 12.7% | 201.61M▲ 1.1% |
| Revenue Growth % | 0.65% | 0.04% | 9.91% | 53.4% | -15.54% | -36.28% | 3.45% | 12.67% | 1.12% |
| Non-Interest Expense | 128.82M | 129.78M | 132.99M | 178.41M | 165.98M | 132.32M | 116.28M | 108.55M | 110.18M |
| Efficiency Ratio | 68.36% | 68.84% | 64.18% | 56.13% | 61.83% | 77.35% | 65.71% | 54.44% | 54.65% |
| Operating Income | 44.43M▲ 0% | 40.28M▼ 9.3% | 47.57M▲ 18.1% | 108.12M▲ 127.3% | 92.11M▼ 14.8% | 24.48M▼ 73.4% | 11.03M▼ 54.9% | 24M▲ 117.6% | 33.45M▲ 39.3% |
| Operating Margin % | 23.58% | 21.37% | 22.96% | 34.01% | 34.31% | 14.31% | 6.23% | 12.04% | 16.59% |
| Operating Income Growth % | 5.81% | -9.35% | 18.11% | 127.26% | -14.81% | -73.42% | -54.93% | 117.57% | 39.34% |
| Pretax Income | 44.43M▲ 0% | 40.28M▼ 9.3% | 47.57M▲ 18.1% | 108.12M▲ 127.3% | 92.11M▼ 14.8% | 24.48M▼ 73.4% | 11.03M▼ 54.9% | 24M▲ 117.6% | 33.45M▲ 39.3% |
| Pretax Margin % | 23.58% | 21.37% | 22.96% | 34.01% | 34.31% | 14.31% | 6.23% | 12.04% | 16.59% |
| Income Tax | 18.47M | 9.53M | 11.67M | 26.97M | 21.32M | 4.99M | 1.66M | 5.31M | 7.04M |
| Effective Tax Rate % | 41.57% | 23.65% | 24.53% | 24.95% | 23.14% | 20.39% | 15.02% | 22.14% | 21.06% |
| Net Income | 25.96M▲ 0% | 30.75M▲ 18.4% | 35.9M▲ 16.7% | 81.14M▲ 126.0% | 70.79M▼ 12.8% | 19.49M▼ 72.5% | 9.38M▼ 51.9% | 18.69M▲ 99.3% | 26.4M▲ 41.3% |
| Net Margin % | 13.78% | 16.31% | 17.33% | 25.53% | 26.37% | 11.39% | 5.3% | 9.37% | 13.1% |
| Net Income Growth % | 1.69% | 18.45% | 16.74% | 126.01% | -12.76% | -72.47% | -51.89% | 99.34% | 41.28% |
| Net Income (Continuing) | 25.96M | 30.75M | 35.9M | 81.14M | 70.79M | 19.49M | 9.38M | 18.69M | 26.4M |
| EPS (Diluted) | 0.93▲ 0% | 1.11▲ 19.4% | 1.37▲ 23.4% | 3.30▲ 140.9% | 2.96▼ 10.3% | 0.89▼ 69.9% | 0.46▼ 48.3% | 1.01▲ 119.6% | 1.48▲ 46.5% |
| EPS Growth % | 0% | 19.35% | 23.42% | 140.88% | -10.3% | -69.93% | -48.31% | 119.57% | 46.53% |
| EPS (Basic) | 0.95 | 1.12 | 1.38 | 3.32 | 2.98 | 0.89 | 0.47 | 1.01 | 1.48 |
| Diluted Shares Outstanding | 27.9M | 27.63M | 26.25M | 24.61M | 23.93M | 22.01M | 20.2M | 18.59M | 17.87M |
WSBF Balance Sheet
Waterstone Financial, Inc. (WSBF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 231.28M | 246.72M | 240.07M | 235.54M | 541.76M | 232.55M | 235.84M | 191.24M | 294.41M |
| Cash & Due from Banks | 31.57M | 61M | 61.6M | 75.92M | 362.74M | 35.96M | 30.67M | 35.46M | 63.56M |
| Short Term Investments | 199.71M | 185.72M | 178.48M | 159.62M | 179.02M | 196.59M | 204.91M | 155.78M | 230.85M |
| Total Investments | 1.63B | 1.69B | 1.77B | 1.92B | 1.68B | 1.82B | 2.02B | 2.01B | 2.03B |
| Investments Growth % | 0.83% | 4.05% | 4.78% | 8.1% | -12.31% | 8.23% | 10.73% | -0.44% | 1.35% |
| Long-Term Investments | 1.43B | 1.51B | 1.6B | 1.76B | 1.5B | 1.62B | 1.81B | 1.85B | 1.86B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.66B |
| Goodwill & Intangibles | 888K | 109K | 0 | 5.98M | 1.55M | 3.44M | 1.81M | 732K | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 888K | 109K | 0 | 5.98M | 1.55M | 3.44M | 1.81M | 732K | 0 |
| PP&E (Net) | 22.94M | 24.52M | 25.03M | 23.72M | 22.27M | 21.11M | 20M | 19.39M | 18.86M |
| Other Assets | 104.46M | 114.15M | 104.27M | 103.48M | 102.38M | 91.18M | 145.09M | 147.24M | -1.86B |
| Total Current Assets | 251.36M | 269.19M | 271.29M | 293.09M | 586.9M | 292.33M | 235.84M | 191.24M | 1.95B |
| Total Non-Current Assets | 1.56B | 1.65B | 1.73B | 1.89B | 1.63B | 1.74B | 1.98B | 2.02B | 18.86M |
| Total Assets | 1.81B▲ 0% | 1.92B▲ 6.0% | 2B▲ 4.2% | 2.18B▲ 9.4% | 2.22B▲ 1.4% | 2.03B▼ 8.3% | 2.21B▲ 8.9% | 2.21B▼ 0.2% | 2.26B▲ 2.3% |
| Asset Growth % | 0.88% | 6.03% | 4.23% | 9.43% | 1.43% | -8.31% | 8.94% | -0.17% | 2.26% |
| Return on Assets (ROA) | 1.44% | 1.65% | 1.84% | 3.88% | 3.22% | 0.92% | 0.44% | 0.84% | 1.18% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 386.29M | 435.05M | 483.56M | 508.07M | 477.13M | 386.78M | 466.05M | 446.52M | 412.26M |
| Net Debt | 354.71M | 374.05M | 421.97M | 432.15M | 114.39M | 350.82M | 435.39M | 411.06M | 348.7M |
| Long-Term Debt | 340M | 430M | 470M | 470M | 470M | 200M | 155M | 150M | 190M |
| Short-Term Debt | 46.28M | 5.05M | 13.56M | 38.07M | 7.13M | 185.7M | 309M | 296.52M | 222.26M |
| Other Liabilities | 40.63M | 42.16M | 51.32M | 78.53M | 72.57M | 75.39M | 212.66M | 64.06M | 1.5B |
| Total Current Liabilities | 1.01B | 1.04B | 1.08B | 1.22B | 1.24B | 1.39B | 1.5B | 1.66B | 222.26M |
| Total Non-Current Liabilities | 380.63M | 472.16M | 521.32M | 548.52M | 542.57M | 275.39M | 367.65M | 214.06M | 1.69B |
| Total Liabilities | 1.39B | 1.52B | 1.6B | 1.77B | 1.78B | 1.66B | 1.87B | 1.87B | 1.91B |
| Total Equity | 412.1M▲ 0% | 399.68M▼ 3.0% | 393.69M▼ 1.5% | 413.12M▲ 4.9% | 432.77M▲ 4.8% | 370.49M▼ 14.4% | 344.06M▼ 7.1% | 339.13M▼ 1.4% | 349.39M▲ 3.0% |
| Equity Growth % | 0.34% | -3.02% | -1.5% | 4.94% | 4.76% | -14.39% | -7.13% | -1.43% | 3.02% |
| Equity / Assets (Capital Ratio) | 22.81% | 20.87% | 19.72% | 18.91% | 19.53% | 18.24% | 15.54% | 15.35% | 15.46% |
| Return on Equity (ROE) | 6.31% | 7.58% | 9.05% | 20.12% | 16.74% | 4.85% | 2.62% | 5.47% | 7.67% |
| Book Value per Share | 14.77 | 14.46 | 15.00 | 16.79 | 18.08 | 16.83 | 17.04 | 18.24 | 19.56 |
| Tangible BV per Share | 14.74 | 14.46 | 15.00 | 16.55 | 18.02 | 16.68 | 16.95 | 18.20 | 19.56 |
| Common Stock | 295K | 285K | 271K | 251K | 248K | 222K | 203K | 193K | 184K |
| Additional Paid-in Capital | 326.65M | 232.41M | 212M | 180.68M | 174.5M | 128.55M | 103.91M | 91.21M | 78.01M |
| Retained Earnings | 183.36M | 187.15M | 197.39M | 245.29M | 273.4M | 274.25M | 269.61M | 277.2M | 292.96M |
| Accumulated OCI | -477K | -2.36M | 642K | 2.33M | -1.14M | -19.48M | -17.79M | -18.79M | -21.76M |
| Treasury Stock | -78.74M | -97.92M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
WSBF Cash Flow Statement
Waterstone Financial, Inc. (WSBF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 107.1M | 41.5M | -40.22M | -93.58M | 142.01M | 206.66M | -27.58M | 48.06M | 19.02M |
| Operating CF Growth % | 545.09% | -61.25% | -196.91% | -132.68% | 251.75% | 45.53% | -113.34% | 274.29% | -60.42% |
| Net Income | 25.96M | 30.75M | 35.9M | 81.14M | 70.79M | 19.49M | 9.38M | 18.69M | 26.4M |
| Depreciation & Amortization | 2.16M | 4.73M | 4.7M | 5.61M | 6.05M | 4.03M | 3.3M | 2.47M | 0 |
| Deferred Taxes | 3.08M | 535K | 639K | -2.62M | 1.38M | -484K | -1.07M | 980K | 0 |
| Other Non-Cash Items | 74.77M | 6.11M | -80.06M | -179.88M | 71.2M | 179.72M | -35.19M | 27.33M | -13.04M |
| Working Capital Changes | -2.73M | -2.38M | -2.46M | 1.44M | -8.16M | 3.33M | -4.27M | -1.72M | 5.66M |
| Cash from Investing | -94.88M | -78.44M | -1.15M | 37.19M | 160.06M | -335.74M | -159.22M | -23.96M | -3.58M |
| Purchase of Investments | -22.97M | 0 | 0 | -29.5M | -73.69M | -90M | -29.5M | -35.39M | 0 |
| Sale/Maturity of Investments | 16.13M | 10.44M | 8.08M | 50.54M | 49.5M | 50.75M | 24.85M | 31.04M | 0 |
| Net Investment Activity | -6.83M | 10.44M | 8.08M | 21.05M | -24.19M | -39.25M | -4.65M | -4.35M | 0 |
| Acquisitions | 0 | -163K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -86.47M | -84.75M | -6.12M | 17.37M | 185.03M | -295.79M | -153.87M | -18.52M | -3.58M |
| Cash from Financing | -10.83M | 74.43M | 29.57M | 76.86M | -20.12M | -201M | 176.58M | -20.76M | 15.91M |
| Dividends Paid | -26.95M | -27.05M | -25.96M | -31.52M | -30.39M | -30.26M | -15.36M | -11.27M | -10.77M |
| Share Repurchases | -2.19M | -19.2M | -22.77M | -36.24M | -10.18M | -47.83M | -26.03M | -14.91M | -16.21M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.4M |
| Net Stock Activity | -2.19M | -19.2M | -22.77M | -36.24M | -10.18M | -47.83M | -26.03M | -14.91M | -13.8M |
| Debt Issuance (Net) | -870K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 19.18M | 71.91M | 29.78M | 120.11M | 51.4M | -32.57M | -6.29M | 169.96M | 74.74M |
| Net Change in Cash | 1.39M▲ 0% | 37.49M▲ 2597.4% | -11.8M▼ 131.5% | 20.47M▲ 273.4% | 281.95M▲ 1277.6% | -330.08M▼ 217.1% | -10.22M▲ 96.9% | 3.34M▲ 132.7% | 31.35M▲ 838.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 47.22M | 48.61M | 86.1M | 74.3M | 94.77M | 376.72M | 46.64M | 36.42M | 39.76M |
| Cash at End | 48.61M | 86.1M | 74.3M | 94.77M | 376.72M | 46.64M | 36.42M | 39.76M | 71.11M |
| Interest Paid | 16.39M | 19.01M | 27.38M | 25.41M | 14.55M | 12.89M | 47.74M | 66.27M | 59.16M |
| Income Taxes Paid | 17.08M | 10.17M | 10.7M | 29.48M | 22.66M | 4.09M | 1.17M | 0 | 5.01M |
| Free Cash Flow | 105.52M▲ 0% | 37.54M▼ 64.4% | -43.33M▼ 215.4% | -94.81M▼ 118.8% | 141.23M▲ 249.0% | 205.96M▲ 45.8% | -28.28M▼ 113.7% | 46.96M▲ 266.1% | 17.86M▼ 62.0% |
| FCF Growth % | 519.61% | -64.42% | -215.43% | -118.79% | 248.96% | 45.84% | -113.73% | 266.09% | -61.98% |
WSBF Banking Ratios
Waterstone Financial, Inc. (WSBF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.36% | 6.31% | 7.58% | 9.05% | 20.12% | 16.74% | 4.85% | 2.62% | 5.47% | 7.67% |
| Return on Assets (ROA) | 1.44% | 1.44% | 1.65% | 1.84% | 3.88% | 3.22% | 0.92% | 0.44% | 0.84% | 1.18% |
| Net Interest Margin | 2.43% | 2.81% | 2.83% | 2.61% | 2.45% | 2.51% | 2.8% | 2.27% | 2.09% | 2.51% |
| Efficiency Ratio | 66.53% | 68.36% | 68.84% | 64.18% | 56.13% | 61.83% | 77.35% | 65.71% | 54.44% | 54.65% |
| Equity / Assets | 22.94% | 22.81% | 20.87% | 19.72% | 18.91% | 19.53% | 18.24% | 15.54% | 15.35% | 15.46% |
| Book Value / Share | 15 | 14.77 | 14.46 | 15 | 16.79 | 18.08 | 16.83 | 17.04 | 18.24 | 19.56 |
| NII Growth | 11.84% | 16.78% | 6.79% | -3.65% | 2.5% | 3.77% | 2.59% | -11.83% | -8.06% | 22.89% |
| Dividend Payout | 27.09% | 103.81% | 87.96% | 72.31% | 38.84% | 42.93% | 155.28% | 163.87% | 60.3% | 40.78% |
WSBF SEC Filings & Documents
Waterstone Financial, Inc. (WSBF) SEC filings — annual & quarterly reports (10-K, 10-Q)
WSBF Frequently Asked Questions
Waterstone Financial, Inc. (WSBF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Waterstone Financial, Inc. (WSBF) grew revenue by 1.1% over the past year. Growth has been modest.
Yes, Waterstone Financial, Inc. (WSBF) is profitable, generating $26.4M in net income for fiscal year 2025 (13.1% net margin).
Dividend & Returns
Yes, Waterstone Financial, Inc. (WSBF) pays a dividend with a yield of 3.25%. This makes it attractive for income-focused investors.
Waterstone Financial, Inc. (WSBF) has a return on equity (ROE) of 7.7%. This is below average, suggesting room for improvement.
Industry Metrics
Waterstone Financial, Inc. (WSBF) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
Waterstone Financial, Inc. (WSBF) has an efficiency ratio of 54.7%. This is excellent, indicating strong cost control.
Explore More WSBF
Waterstone Financial, Inc. (WSBF) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates