Waterstone Financial, Inc. (WSBF) P/E Ratio History
Historical price-to-earnings valuation from 2006 to 2025
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WSBF Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Waterstone Financial, Inc. (WSBF) trades at a price-to-earnings ratio of 12.5x, with a stock price of $18.56 and trailing twelve-month earnings per share of $1.48.
The current P/E is 15% below its 5-year average of 14.8x. 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 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, WSBF is roughly in line with its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, WSBF trades at a notable discount to the S&P 500 median P/E of 25.1x. 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 P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 13.5 | 1.92 | +13% | |
| $416M | 9.8 | 0.57 | -7% | |
| $2B | 15.6 | 3.93 | +10% | |
| $115M | 11.3 | 0.35 | +27% | |
| $5B | 9.5Lowest | - | +59% | |
| $439M | 12.8 | 0.17Best | +344%Best | |
| $526M | 28.2 | - | -8% | |
| $3B | 13.6 | 4.41 | +5% | |
| $14B | 22.7 | - | -52% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
WSBF Historical P/E Data (2006–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $16.55 | $1.48 | 11.2x | -62% |
| FY2025 Q3 | $15.60 | $1.32 | 11.8x | -60% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $13.81 | $1.14 | 12.1x | -59% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $13.45 | $1.02 | 13.2x | -55% |
| FY2024 Q4 | $13.44 | $1.01 | 13.3x | -55% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $14.70 | $0.73 | 20.2x | -32% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $12.79 | $0.63 | 20.4x | -31% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $12.17 | $0.52 | 23.5x | -20% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $14.20 | $0.46 | 31.0x | +5% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $10.95 | $0.50 | 21.9x | -26% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $14.49 | $0.59 | 24.6x | -17% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $15.13 | $0.75 | 20.2x | -32% |
Average P/E for displayed period: 29.5x
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Start ComparisonWSBF — Frequently Asked Questions
Quick answers to the most common questions about buying WSBF stock.
Is WSBF stock overvalued or undervalued?
WSBF trades at 12.5x P/E, near its 5-year average of 14.8x. The 50th percentile ranking places valuation within normal historical bounds.
How does WSBF's valuation compare to peers?
Waterstone Financial, Inc. P/E of 12.5x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is WSBF's PEG ratio?
WSBF PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2006-2025.