Trailing Dividend / Share
$0.60
Waterstone Financial, Inc. (WSBF) Dividend History
Income profile from 2014 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
3.0%
Payout Ratio
40.8%
Sustainable
Dividend Streak
0 years
WSBF Dividend Income Check
Safety
40.8% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 3.2% and trend is falling.
WSBF Dividend Scorecard
Yield & Income
Dividend Yield3.0%
Trailing DPS$0.60
FrequencyQuarterly
Payments / 12M5
Payout Safety
Earnings Payout40.8%
Earnings SafetySustainable
FCF PayoutN/A
FCF SafetyUnknown
Piotroski F-Score7/9
Growth
Growth Streak0 years
3Y CAGR-22.7%
5Y CAGR-14.1%
Yield on Cost (5Y)3.2%
YOC Trendfalling
Total Returns
Buyback Yield4.4%
Total Shareholder Yield7.4%
1Y Total Return48.4%
5Y Total Return19.9%
Div Contribution (5Y)20.0%
Estimated $10K growth (return + dividends):
5Y ago$11,98910Y ago$19,20020Y ago$20,472
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
WSBF Income Growth Story
Dividend per share and yield on cost over time (13 years of payments)
WSBF Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Waterstone Financial, Inc. distributes 40.8% of earnings as dividends (Sustainable).
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
WSBF does not have a current streak of consecutive dividend increases, with a 3-year CAGR of -22.7% and 5-year CAGR of -14.1%.
Total Shareholder Returns
Beyond cash dividends, WSBF returns capital through share repurchases. The combined picture: 3.0% dividend yield, 4.4% buyback yield, 7.4% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.2% and is currently falling. The 5-year total return is 19.9%, with dividends contributing 20.0% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $19,200 today.
WSBF Recent Dividend Payments
Last 20 payments · Quarterly
TTM Total$3.94
Avg/Payment$0.1970
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jul 8, 2026Latest | $0.1700 | — | 3.18% | Aug 3, 2026 |
| Apr 8, 2026 | $0.1700 | ↑ +13.3% | 3.38% | May 1, 2026 |
| Jan 8, 2026 | $0.1500 | — | 3.57% | Feb 2, 2026 |
| Oct 8, 2025 | $0.1500 | — | 3.99% | Nov 3, 2025 |
| Jul 8, 2025 | $0.1500 | — | 4.32% | Aug 1, 2025 |
| Apr 8, 2025 | $0.1500 | — | 4.88% | May 1, 2025 |
| Jan 8, 2025 | $0.1500 | — | 4.75% | Feb 3, 2025 |
| Oct 8, 2024 | $0.1500 | — | 4.35% | Nov 1, 2024 |
WSBF Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
3.0%
#3 of 8
Safety
Sustainable
40.8% payout
Streak
0Y
-14.1% 5Y CAGR
Total Shareholder
7.4%
#2 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd WSBFWaterstone Financial… | $368M | 3.0% | 40.8% | 0 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.6B | 2.9% | 42.9% | 13 | Sustainable |
 BSVNBank7 Corp. | $463M | 2.0% | 21.7% | 7 | Sustainable |
2nd  LKFNLakeland Financial C… | $1.6B | 3.2% | 49.7% | 14 | Sustainable |
 MGYRMagyar Bancorp, Inc. | $115M | 1.6% | 18.7% | 4 | Sustainable |
 PFSIPennyMac Financial S… | $4.5B | 1.3% | 12.5% | 2 | Sustainable |
 GHLDGuild Holdings Compa… | $439M | 2.5% | 31.6% | 1 | Sustainable |
1st  UWMCUWM Holdings Corpora… | $339M | 100.0% | 26.2% | 0 | Sustainable |
WSBF Annual Dividend History (2003–2026)
24 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.49 | — | 3 | — | — | — | 2.6% |
| 2025 | $0.60 | 0.0% | 4 | $1.48 | 40.5% | 2.47x | 3.2% |
| 2024 | $0.60 | -20.0% | 4 | $1.01 | 59.4% | 1.68x | 3.2% |
| 2023 | $0.75 | -42.3% | 4 | $0.46 | 163.0% | 0.61x | 4.0% |
| 2022 | $1.30 | -0.0% | 4 | $0.89 | 146.1% | 0.68x | 7.0% |
| 2021 | $1.30 | 1.6% | 5 | $2.96 | 43.9% | 2.28x | 7.0% |
| 2020 | $1.28 | 30.6% | 6 | $3.30 | 38.8% | 2.58x | 6.8% |
| 2019 | $0.98 | 0.0% | 5 | $1.37 | 71.5% | 1.40x | 5.2% |
| 2018 | $0.98 | 0.0% | 5 | $1.11 | 88.3% | 1.13x | 5.2% |
| 2017 | $0.98 | 276.9% | 5 | $0.93 | 105.4% | 0.95x | 5.2% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
12+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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WSBF — Frequently Asked Questions
Quick answers to the most common questions about buying WSBF stock.
How much dividend does WSBF pay per share?
Waterstone Financial, Inc. (WSBF) pays a trailing 12-month dividend of $0.60 per share, with a current dividend yield of +3.0%. Payments are made Quarterly.
When is WSBF's next ex-dividend date?
WSBF's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. WSBF typically pays dividends Quarterly.
Is WSBF's dividend safe?
WSBF's dividend safety is rated "Sustainable" based on an earnings payout ratio of +40.8% and FCF payout ratio of N/A. The dividend history does not yet show a prolonged growth streak.
How many years has WSBF increased its dividend?
WSBF has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is -14.1%.
How often does WSBF pay dividends?
Waterstone Financial, Inc. pays dividends Quarterly. The trailing 12-month total is $0.60 per share. Dividend data on this page covers 12+ years from 2014 to 2026.
How much would $10,000 invested in WSBF grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in WSBF five years ago would be worth approximately $11,989 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is WSBF's yield on cost for long-term holders?
WSBF's yield on cost — the current dividend divided by the original purchase price — is +3.2% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +3.0% market yield, thanks to the lower original cost basis.