Waterstone Financial, Inc. (WSBF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 293 | 254 | 158 | 128 | 132 | 142 | 106 | - |
| Operating profit | $m | 33 | 20 | ||||||
| Net profit | $m | 81 | 71 | 19 | 9 | 19 | 26 | 30 | - |
| EPS reported | $ | 1.48 | 1.72 | ||||||
| Operating cashflow per share | $ | 1.07 | 2.59 | ||||||
| Capex per share | $ | 0.07 | 0.11 | ||||||
| FCF per share | $ | 1.00 | 2.48 | ||||||
| Free cash flow | $m | 18 | 43 | ||||||
| Net debt | $m | 178 | 136 | ||||||
| Book value equity | $m | 349 | 351 | ||||||
| Book value per share | $ | 19.56 | 20.29 | ||||||
| Number of shares | m | 17.87 | 17.31 | ||||||
| DPS (TTM paid) | $ | 0.60 | 0.81 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.18 | 11.74 | ||||||
| P/B LTM | x | 0.84 | 0.84 | ||||||
| P/S LTM | x | 2.08 | 2.79 | ||||||
| P/FCF LTM | x | 16.53 | 6.90 | ||||||
| EV/EBITDA LTM | x | 17.88 | 30.40 | ||||||
| EV/Sales LTM | x | 3.19 | 4.61 | ||||||
| Earnings Yield LTM | % | +8.94% | +8.52% | ||||||
| FCF Yield | % | +6.05% | +14.49% | ||||||
| Quality | |||||||||
| ROE | % | +7.56% | +8.64% | ||||||
| ROIC | % | +3.21% | +1.89% | ||||||
| Operating margin | % | +16.59% | +12.28% | ||||||
| Gross margin | % | +71.24% | +65.42% | ||||||
| FCF/Sales | % | +8.86% | +26.40% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +46.53% | +70.30% | ||||||
| Sales Growth YoY | % | +7.44% | -20.18% | ||||||
| Net Income Growth YoY | % | +41.28% | +61.06% | ||||||
| FCF Growth | % | -61.98% | -8.92% | ||||||
| Operating Profit Growth | % | +39.34% | -17.11% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.65% | +3.09% | ||||||
| Dividend Growth | % | 0.00% | +35.00% | ||||||
| Payout Ratio | % | +40.72% | +35.63% | ||||||
| FCF/Debt | x | 0.04 | 0.10 | ||||||
| Net Debt/EBITDA | x | 9.68 | 17.65 | ||||||
| EBIT/Net interest | x | 0.56 | 0.35 | ||||||
| Net debt/market cap | % | +1.40% | +1.10% | ||||||
| Net debt/Equity | x | 0.51 | 0.39 | ||||||
| Gross debt/equity | x | 1.18 | 1.17 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Waterstone Financial, Inc. (WSBF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.
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