Waterstone Financial, Inc. (WSBF) P/E Ratio History
Fairly ValuedTrading at 13.8x, near 5Y avg of 15.1x · 60th percentile · In line with own history · Data 2006–2026
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P/E Ratio Analysis
As of June 29, 2026, Waterstone Financial, Inc. (WSBF) trades at a price-to-earnings ratio of 13.8x, with a stock price of $20.36 and trailing twelve-month earnings per share of $1.68.
The current P/E is roughly in line with its 5-year average of 15.1x. Over the past five years, WSBF's P/E has ranged from a low of 5.1x to a high of 31.0x, placing the current valuation at the 60th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.2x, WSBF is roughly in line with its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 157.7x.
Relative to the broader market, WSBF trades at a notable discount to the S&P 500 median P/E of 25.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our WSBF DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
WSBF Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
WSBF P/E vs Peers
Mortgage originators and servicers peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 14.9 | 2.12 | +13% | |
| $463M | 10.8 | 0.64 | -7% | |
| $2B | 15.6 | 3.93 | +10% | |
| $115M | 11.4 | 0.35 | +27% | |
| $4B | 9.3Lowest | - | +59% | |
| $439M | 12.8 | 0.17Best | +344%Best | |
| $339M | 18.2 | - | -8% | |
| $3B | 14.4 | 4.69 | +5% | |
| $13B | 21.1 | - | -52% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
WSBF Historical P/E Data (2006–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $18.03 | $1.65 | 10.9x | -63% |
| FY2025 Q4 | Dec 31 2025 | $16.55 | $1.48 | 11.2x | -62% |
| FY2025 Q3 | - | $15.60 | $1.32 | 11.8x | -60% |
| FY2025 Q2 | Jun 30 2025 | $13.81 | $1.14 | 12.1x | -58% |
| FY2025 Q1 | Mar 31 2025 | $13.45 | $1.02 | 13.2x | -55% |
| FY2024 Q4 | - | $13.44 | $1.01 | 13.3x | -54% |
| FY2024 Q3 | Sep 30 2024 | $14.70 | $0.73 | 20.2x | -31% |
| FY2024 Q2 | Jun 30 2024 | $12.79 | $0.63 | 20.4x | -30% |
| FY2024 Q1 | Mar 31 2024 | $12.17 | $0.52 | 23.5x | -19% |
| FY2023 Q4 | Dec 31 2023 | $14.20 | $0.46 | 31.0x | +6% |
| FY2023 Q3 | Sep 30 2023 | $10.95 | $0.50 | 21.9x | -25% |
| FY2023 Q2 | Jun 30 2023 | $14.49 | $0.59 | 24.6x | -16% |
| FY2023 Q1 | Mar 31 2023 | $15.13 | $0.75 | 20.2x | -31% |
| FY2022 Q4 | Dec 31 2022 | $17.24 | $0.88 | 19.6x | -33% |
| FY2022 Q3 | Sep 30 2022 | $16.16 | $1.37 | 11.8x | -60% |
| FY2022 Q2 | - | $17.05 | $1.91 | 8.9x | -69% |
| FY2022 Q1 | - | $19.34 | $2.29 | 8.4x | -71% |
| FY2021 Q4 | Dec 31 2021 | $21.86 | $2.95 | 7.4x | -75% |
| FY2021 Q3 | - | $20.49 | $3.59 | 5.7x | -80% |
| FY2021 Q2 | Jun 30 2021 | $19.66 | $3.88 | 5.1x | -83% |
| FY2021 Q1 | Mar 31 2021 | $20.42 | $3.99 | 5.1x | -82% |
| FY2020 Q4 | - | $18.82 | $3.37 | 5.6x | -81% |
| FY2020 Q3 | Sep 30 2020 | $15.49 | $2.54 | 6.1x | -79% |
| FY2020 Q2 | - | $14.83 | $1.88 | 7.9x | -73% |
| FY2020 Q1 | - | $14.54 | $1.40 | 10.4x | -64% |
| FY2019 Q4 | - | $19.03 | $1.37 | 13.9x | -52% |
| FY2019 Q3 | Sep 30 2019 | $17.18 | $1.24 | 13.9x | -53% |
| FY2019 Q2 | Jun 30 2019 | $17.06 | $1.13 | 15.1x | -48% |
| FY2019 Q1 | Mar 31 2019 | $16.46 | $1.10 | 15.0x | -49% |
| FY2018 Q4 | Dec 31 2018 | $16.76 | $1.11 | 15.1x | -48% |
| FY2018 Q3 | Sep 30 2018 | $17.15 | $1.01 | 17.0x | -42% |
| FY2018 Q2 | Jun 30 2018 | $17.05 | $0.96 | 17.8x | -39% |
| FY2018 Q1 | Mar 31 2018 | $17.30 | $0.94 | 18.4x | -37% |
| FY2017 Q4 | Dec 31 2017 | $17.05 | $0.93 | 18.3x | -37% |
| FY2017 Q3 | Sep 30 2017 | $19.50 | $1.05 | 18.6x | -36% |
| FY2017 Q2 | Jun 30 2017 | $18.85 | $1.06 | 17.8x | -39% |
| FY2017 Q1 | Mar 31 2017 | $18.25 | $1.03 | 17.7x | -39% |
| FY2016 Q4 | Dec 31 2016 | $18.40 | $0.93 | 19.8x | -32% |
| FY2016 Q3 | Sep 30 2016 | $16.99 | $0.80 | 21.2x | -27% |
| FY2016 Q2 | - | $15.33 | $0.72 | 21.3x | -27% |
| FY2016 Q1 | - | $13.68 | $0.60 | 22.8x | -22% |
| FY2015 Q4 | - | $14.10 | $0.55 | 25.6x | -12% |
| FY2015 Q3 | Sep 30 2015 | $13.48 | $0.53 | 25.5x | -12% |
| FY2015 Q2 | - | $13.20 | $0.48 | 27.6x | -5% |
| FY2015 Q1 | - | $12.84 | $0.42 | 30.7x | +5% |
| FY2014 Q4 | Dec 31 2014 | $13.15 | $0.38 | 34.8x | +19% |
| FY2014 Q3 | - | $11.55 | $0.36 | 32.4x | +11% |
| FY2014 Q2 | Jun 30 2014 | $11.41 | $0.31 | 37.1x | +27% |
| FY2014 Q1 | Mar 31 2014 | $10.39 | $0.35 | 29.9x | +2% |
| FY2013 Q4 | - | $10.12 | $0.44 | 23.1x | -21% |
| FY2013 Q3 | Sep 30 2013 | $9.25 | $0.91 | 10.2x | -65% |
| FY2013 Q2 | Jun 30 2013 | $9.26 | $1.07 | 8.7x | -70% |
| FY2013 Q1 | Mar 31 2013 | $7.54 | $1.10 | 6.9x | -77% |
| FY2012 Q4 | Dec 31 2012 | $7.11 | $1.02 | 6.9x | -76% |
| FY2012 Q3 | Sep 30 2012 | $4.73 | $0.34 | 13.8x | -53% |
| FY2012 Q2 | Jun 30 2012 | $3.46 | $0.08 | 40.9x | +40% |
| FY2007 Q4 | Dec 31 2007 | $11.68 | $0.04 | 321.8x | +1002% |
| FY2007 Q3 | Sep 30 2007 | $14.81 | $0.09 | 164.2x | +463% |
| FY2007 Q2 | Jun 30 2007 | $15.07 | $0.11 | 139.0x | +376% |
| FY2007 Q1 | Mar 31 2007 | $15.93 | $0.21 | 76.3x | +162% |
| FY2006 Q4 | Dec 31 2006 | $16.24 | $0.23 | 71.6x | +145% |
| FY2006 Q3 | Sep 30 2006 | $16.08 | $0.26 | 62.7x | +115% |
Average P/E for displayed period: 29.2x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
20+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
WSBF — Frequently Asked Questions
Quick answers to the most common questions about buying WSBF stock.
What is WSBF's P/E ratio?
Waterstone Financial, Inc. (WSBF) trailing twelve-month P/E ratio is 13.8x, based on TTM diluted EPS of $1.68. The 5-year average P/E is 15.1x and the historical range spans 5.1x to 31.0x.
Is WSBF stock overvalued or undervalued?
WSBF trades at 13.8x P/E, near its 5-year average of 15.1x. The 60th percentile ranking within the 5.1x–31.0x historical range places valuation within normal bounds.
Is WSBF stock expensive?
WSBF is fairly valued relative to its own history. The current P/E of 13.8x is near the 5-year average of 15.1x (60th percentile of historical range).
What is WSBF's historical P/E range?
Over the past 5 years, WSBF's P/E ratio has ranged from 5.1x to 31.0x, with a median of 13.2x and an average of 15.1x. The current P/E of 13.8x places the stock at the 60th percentile of this range. Full historical data spans 2006–2026.
How does WSBF's P/E compare to the S&P 500?
WSBF trades at 13.8x P/E versus the S&P 500 median of 25.3x. The 45% discount to the market suggests lower growth expectations or perceived higher risk.
How does WSBF's valuation compare to Financial Services peers?
Waterstone Financial, Inc. P/E of 13.8x compares to the Financial Services sector median of 14.2x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is WSBF's PEG ratio?
WSBF PEG ratio is N/A, based on a P/E of 13.8x and EPS growth of 46.5%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is WSBF's earnings yield?
WSBF earnings yield is 7.27%, the inverse of its 13.8x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.