Waterstone Financial, Inc.(WSBF)Earnings, Financials & Key RatiosWaterstone Financial, Inc. (WSBF) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the bank maintains a stable equity-to-assets ratio of 0.15, the high volatility in operating cash flow and reliance on mortgage-related non-interest income, which accounted for 41.1% of revenue in 2026Q1, warrants a cautious approach.
Waterstone Financial, Inc. (WSBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Waterstone Financial, Inc. (WSBF) EPS & revenue vs analyst estimates — last 4 quarters
| 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 |
Recent stock market news and headlines for Waterstone Financial, Inc. (WSBF)
WAUWATOSA, Wis., June 23, 2026 (GLOBE NEWSWIRE) -- On June 23, 2026, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share.
Key metrics vs top competitors for Waterstone Financial, Inc. (WSBF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $20.18 | $364.31M | 13.64 | 1.12% | 13.1% | 7.67% | 2.99% | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $47.34 | $450.65M | 10.52 | -3.87% | 31.77% | 18.18% | — | |
| $61.64 | $1.54B | 15.37 | -1.93% | 25.81% | 14.79% | — | |
| $17.83 | $115.23M | 11.43 | 12.08% | 18.32% | 9.28% | — | |
| $84.30 | $4.4B | 9.06 | 173.81% | 14.31% | 12.02% | — |
Waterstone Financial, Inc. (WSBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Waterstone Financial, Inc. (WSBF) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 19, 2026·SEC
Apr 27, 2026·SEC
Apr 23, 2026·SEC
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Waterstone Financial, Inc. (WSBF) stock FAQ — growth, dividends, profitability & financials explained
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 $29.4M in net income for fiscal year 2025 (13.1% net margin).
Yes, Waterstone Financial, Inc. (WSBF) pays a dividend with a yield of 2.99%. 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.
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.
