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Waterstone 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, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as 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. It also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. The company was founded in 1921 and is based in Wauwatosa, Wisconsin. more
| Time Frame | WSBF | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | 0.39% | 0.97% | 0.42% |
| 1-Month Return | 4.25% | -1.97% | 1.02% |
| 3-Month Return | 19.4% | 2.03% | 4.93% |
| 6-Month Return | 26.82% | -1.36% | 7.32% |
| 1-Year Return | 25.16% | 1.48% | 12.16% |
| 3-Year Return | 13.36% | 46.32% | 71.63% |
| 5-Year Return | -9.06% | 59.43% | 76.95% |
| 10-Year Return | 32.17% | 201.25% | 252.5% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 268.47M | 171.06M | 176.97M | 199.38M | 201.61M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":63.72,"profit":true},{"date":"2023-12-31","value":65.92,"profit":true},{"date":"2024-12-31","value":74.27,"profit":true},{"date":"2025-12-31","value":75.1,"profit":true}] |
| Cost of Revenue | 10.38M | 14.26M | 49.65M | 66.83M | 57.98M | [{"date":"2021-12-31","value":15.53,"profit":true},{"date":"2022-12-31","value":21.34,"profit":true},{"date":"2023-12-31","value":74.29,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":86.75,"profit":true}] |
| Gross Profit | 258.09M | 156.80M | 127.32M | 132.55M | 143.31M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":60.75,"profit":true},{"date":"2023-12-31","value":49.33,"profit":true},{"date":"2024-12-31","value":51.36,"profit":true},{"date":"2025-12-31","value":55.53,"profit":true}] |
| Gross Margin | 96.13% | 91.66% | 71.94% | 66.48% | 71.09% | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":95.35,"profit":true},{"date":"2023-12-31","value":74.84,"profit":true},{"date":"2024-12-31","value":69.15,"profit":true},{"date":"2025-12-31","value":73.94,"profit":true}] |
| Operating Expenses | 165.98M | 132.32M | 116.28M | 108.55M | 98.44M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":79.72,"profit":true},{"date":"2023-12-31","value":70.06,"profit":true},{"date":"2024-12-31","value":65.4,"profit":true},{"date":"2025-12-31","value":59.31,"profit":true}] |
| Operating Income | 92.11M | 24.48M | 11.03M | 24.00M | 44.88M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":26.58,"profit":true},{"date":"2023-12-31","value":11.98,"profit":true},{"date":"2024-12-31","value":26.06,"profit":true},{"date":"2025-12-31","value":48.72,"profit":true}] |
| Total Non-Operating Income/Expense | 39.71M | 39.61M | 70.42M | 35.82M | - | [{"date":"2021-12-31","value":56.39,"profit":true},{"date":"2022-12-31","value":56.25,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":50.87,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 92.11M | 24.48M | 11.03M | 24.00M | 33.45M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":26.58,"profit":true},{"date":"2023-12-31","value":11.98,"profit":true},{"date":"2024-12-31","value":26.06,"profit":true},{"date":"2025-12-31","value":36.31,"profit":true}] |
| Income Taxes | 21.32M | 4.99M | 1.66M | 5.31M | 7.04M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":23.42,"profit":true},{"date":"2023-12-31","value":7.77,"profit":true},{"date":"2024-12-31","value":24.93,"profit":true},{"date":"2025-12-31","value":33.04,"profit":true}] |
| Income After Taxes | 70.79M | 19.49M | 9.38M | 18.69M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":27.53,"profit":true},{"date":"2023-12-31","value":13.24,"profit":true},{"date":"2024-12-31","value":26.4,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 70.79M | 19.49M | 10.35M | 18.69M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":27.53,"profit":true},{"date":"2023-12-31","value":14.62,"profit":true},{"date":"2024-12-31","value":26.4,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 70.79M | 19.49M | 9.38M | 18.69M | 26.40M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":27.53,"profit":true},{"date":"2023-12-31","value":13.24,"profit":true},{"date":"2024-12-31","value":26.4,"profit":true},{"date":"2025-12-31","value":37.3,"profit":true}] |
| EPS (Diluted) | 2.95 | 0.88 | 0.46 | 1.01 | 1.04 | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":29.83,"profit":true},{"date":"2023-12-31","value":15.59,"profit":true},{"date":"2024-12-31","value":34.13,"profit":true},{"date":"2025-12-31","value":35.41,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| WSBF | |
|---|---|
| Cash Ratio | 1.68 |
| Current Ratio | 11.12 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| WSBF | |
|---|---|
| ROA (LTM) | 1.06% |
| ROE (LTM) | 6.95% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| WSBF | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.85 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.15 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| WSBF | |
|---|---|
| Trailing PE | 11.65 |
| Forward PE | NM |
| P/S (TTM) | 2.34 |
| P/B | 0.95 |
| EV/R | 5.37 |
| EV/Ebitda | NM |
| PEG | NM |
Waterstone Financial Inc (WSBF) share price today is $18.16
Yes, Indians can buy shares of Waterstone Financial Inc (WSBF) on Vested. To buy
Yes, you can purchase fractional shares of Waterstone Financial Inc (WSBF) via the Vested app. You can start investing in Waterstone Financial Inc (WSBF) with a minimum investment of $1.
You can invest in shares of Waterstone Financial Inc (WSBF) via Vested in three simple steps:
The 52-week high price of Waterstone Financial Inc (WSBF) is $18.88. The 52-week low price of Waterstone Financial Inc (WSBF) is $11.27.
The price-to-earnings (P/E) ratio of Waterstone Financial Inc (WSBF) is
The price-to-book (P/B) ratio of Waterstone Financial Inc (WSBF) is 0.95
The dividend yield of Waterstone Financial Inc (WSBF) is 3.86%
The market capitalization of Waterstone Financial Inc (WSBF) is $329.19M
The stock symbol (or ticker) of Waterstone Financial Inc is WSBF
Consider the share price of Waterstone Financial Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Waterstone Financial Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Waterstone Financial Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Waterstone Financial Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Waterstone Financial Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Waterstone Financial Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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