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Waterstone Financial, Inc.

$21.37 +$4.91 (+29.83%)
NASDAQ · 11 Sep 2026 20:00 UTC
Previous Close
$21.36
Day Range
$21.26$21.66
Year Range
$14.52$21.66
Market Cap
385.79M
AVG Volume
71.26K
Trailing/Forward PE
12.42/-
PEG ratio
0.24
Dividend Yield
2.99%
Next Earnings Date
2026-10-22
Primary Exchange
NASDAQUS
Revenue (USD)
0100M200M300M400M2016201720182019202020212022202320242025
WSBF Revenue (USD) by year
PeriodRevenue (USD)
2025201.61M
2024199.38M
2023176.97M
2022171.06M
2021268.47M
2020317.86M
2019207.2M
2018185.8M
2017191.51M
2016190.1M
Net Income (USD)
025M50M75M100M2016201720182019202020212022202320242025
WSBF Net Income (USD) by year
PeriodNet Income (USD)
202526.4M
202418.69M
20239.38M
202219.49M
202170.79M
202081.14M
201935.9M
201830.75M
201725.96M
201625.53M
Operating Income (USD)
050M100M150M2016201720182019202020212022202320242025
WSBF Operating Income (USD) by year
PeriodOperating Income (USD)
202533.45M
202424M
202311.03M
202224.48M
202192.11M
2020108.12M
201947.57M
201840.28M
201744.43M
201641.99M
EBITDA (USD)
050M100M150M2016201720182019202020212022202320242025
WSBF EBITDA (USD) by year
PeriodEBITDA (USD)
202535.99M
202426.48M
202314.33M
202228.51M
202198.16M
2020115.06M
201950.26M
201842.77M
201746.59M
201645.26M
Cash Flows (USD)
-200M-100M0100M200M300M2016201720182019202020212022202320242025
WSBF Cash Flows (USD) by year
PeriodCash Flows (USD)
202523.02M
202446.96M
2023-28.28M
2022205.96M
2021153.68M
2020-101.79M
2019-43.33M
201838.97M
2017105.52M
2016-25.15M
EPS (USD)
012342016201720182019202020212022202320242025
WSBF EPS (USD) by year
PeriodEPS (USD)
20251.48
20241.01
20230.46
20220.88
20212.95
20203.37
20191.37
20181.11
20170.93
20160.93
Expenses (USD)
050M100M150MSG&ACapex2016201720182019202020212022202320242025
WSBF Expenses (USD) by year
PeriodExpenses (USD)
20256.88M
202485.73M
202388.58M
2022103.34M
2021140.73M
2020145.29M
2019110.08M
2018107.12M
2017104.05M
2016100.96M
Cash & Debt (USD)
0200M400M600MCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
WSBF Cash & Debt (USD) by year
PeriodCash & Debt (USD)
2025234.22M
2024191.24M
2023235.84M
2022232.55M
2021541.76M
2020235.54M
2019240.07M
2018246.72M
2017231.28M
2016247.18M
Debt ratios
-0.500.511.5220182019202020212022202320242025
WSBF Debt ratios by year
PeriodDebt ratios
20251.69
20241.52
20230.9
20220.53
2021-0.21
20201.07
20191.32
20181.15
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
WSBF Margins by year
PeriodMargins
202571.24%
202466.48%
202371.94%
202291.66%
202196.13%
202090.15%
201987.14%
201890.06%
201792.07%
201689.13%
Return on Capital
0%5%10%15%20%2016201720182019202020212022202320242025
WSBF Return on Capital by year
PeriodReturn on Capital
20257.56%
20245.51%
20232.72%
20225.26%
202116.36%
202019.64%
20199.12%
20187.69%
20176.3%
20166.22%
Shares Outstanding
010M20M30M2016201720182019202020212022202320242025
WSBF Shares Outstanding by year
PeriodShares Outstanding
202517.84M
202418.34M
202319.38M
202220.97M
202123.6M
202023.7M
201925.59M
201826.99M
201727.52M
201627.22M
Dividends (USD)
00.511.52017201820192020202120222023202420252026
WSBF Dividends (USD) by year
PeriodDividends (USD)
20260.49
20250.6
20240.6
20230.75
20221.3
20211.3
20201.28
20190.98
20180.98
20170.98
Employee Count
02505007501K2016201720182019202020212022202320242025
WSBF Employee Count by year
PeriodEmployee Count
2025593
2024600
2023698
2022742
2021870
2020812
2019824
2018888
2017927
2016895
Book Value Per Share (USD)
051015202016201720182019202020212022202320242025
WSBF Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202519.59
202418.5
202317.75
202217.67
202118.34
202017.43
201915.39
201814.81
201714.97
201615.09
Total Assets (USD)
01B2B3B2016201720182019202020212022202320242025
WSBF Total Assets (USD) by year
PeriodTotal Assets (USD)
20252.26B
20242.21B
20232.22B
20222.03B
20212.22B
20202.18B
20192B
20181.92B
20171.81B
20161.79B
PE Ratio
10152025med 12.73Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
WSBF PE Ratio by year
PeriodPE Ratio
Sep 2612.24
Sep 2612.33
Aug 2612.07
Aug 2612.08
Aug 2612.18
Aug 2611.94
Jul 2612.14
Jul 2611.87
Jul 2611.65
Jul 2611.69
Jul 2612.19
Jun 2612.05
Jun 2611.37
Jun 2611.61
Jun 2611.11
May 2610.95
May 2610.85
May 2610.63
May 2611.08
May 2612.23
Apr 2612.1
Apr 2612.53
Apr 2612.53
Apr 2612.3
Mar 2612.24
Mar 2612.03
Mar 2611.85
Mar 2611.8
Feb 2612.03
Feb 2613.65
Feb 2613.6
Feb 2613.57
Jan 2613.75
Jan 2613.29
Jan 2613.15
Jan 2612.73
Jan 2612.37
Dec 2512.35
Dec 2512.55
Dec 2512.81
Dec 2512.06
Nov 2511.77
Nov 2511.72
Nov 2511.73
Nov 2511.47
Oct 2513.3
Oct 2513.31
Oct 2512.77
Oct 2512.71
Oct 2513.26
Sep 2513.77
Sep 2513.18
Sep 2512.79
Sep 2512.84
Aug 2513.03
Aug 2512.73
Aug 2512.24
Aug 2511.84
Aug 2512.91
Jul 2513.42
Jul 2513.07
Jul 2513.17
Jul 2513.86
Jun 2513.61
Jun 2513.16
Jun 2513.14
Jun 2513.1
May 2512.63
May 2512.34
May 2512.46
May 2512.1
May 2512.13
Apr 2511.77
Apr 2511.95
Apr 2511.64
Apr 2512.47
Mar 2513.21
Mar 2513.21
Mar 2513.58
Mar 2513.56
Feb 2513.8
Feb 2519.38
Feb 2520.07
Feb 2518.56
Jan 2518.76
Jan 2518.11
Jan 2518.03
Jan 2516.54
Jan 2517.82
Dec 2418.33
Dec 2418.41
Dec 2420.21
Dec 2420.5
Nov 2420.61
Nov 2420.78
Nov 2421
Nov 2421.43
Nov 2422.81
Oct 2422.61
Oct 2422.95
Free Cash Flow Yield
-10%0%10%20%30%40%med 13.35%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
WSBF Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 2611.61%
Sep 2611.53%
Aug 2611.77%
Aug 2611.76%
Aug 2611.67%
Aug 2611.9%
Jul 26-1.43%
Jul 26-1.46%
Jul 26-1.49%
Jul 26-1.49%
Jul 26-1.42%
Jun 26-1.44%
Jun 26-1.53%
Jun 26-1.5%
Jun 26-1.56%
May 26-1.59%
May 26-1.6%
May 26-1.63%
May 26-1.57%
May 267.13%
Apr 267.21%
Apr 266.96%
Apr 266.96%
Apr 267.09%
Mar 267.12%
Mar 267.25%
Mar 267.36%
Mar 267.39%
Feb 267.25%
Feb 2613.33%
Feb 2613.38%
Feb 2613.41%
Jan 2613.23%
Jan 2613.69%
Jan 2613.83%
Jan 2614.29%
Jan 2614.7%
Dec 2514.73%
Dec 2514.49%
Dec 2514.19%
Dec 2515.09%
Nov 2515.45%
Nov 2515.51%
Nov 2515.5%
Nov 2515.86%
Oct 2530.86%
Oct 2530.82%
Oct 2532.12%
Oct 2532.28%
Oct 2530.94%
Sep 2529.79%
Sep 2531.13%
Sep 2532.08%
Sep 2531.97%
Aug 2531.5%
Aug 2532.23%
Aug 2533.54%
Aug 2534.67%
Aug 2534.72%
Jul 2533.4%
Jul 2534.3%
Jul 2534.05%
Jul 2532.34%
Jun 2532.94%
Jun 2534.07%
Jun 2534.12%
Jun 2534.22%
May 2535.49%
May 2536.34%
May 2535.97%
May 2537.04%
May 2520.72%
Apr 2521.35%
Apr 2521.03%
Apr 2521.6%
Apr 2520.15%
Mar 2519.03%
Mar 2519.03%
Mar 2518.51%
Mar 2518.53%
Feb 2518.2%
Feb 258.63%
Feb 258.33%
Feb 259.01%
Jan 258.91%
Jan 259.24%
Jan 259.28%
Jan 2510.11%
Jan 259.38%
Dec 249.13%
Dec 249.08%
Dec 248.27%
Dec 248.16%
Nov 248.12%
Nov 248.05%
Nov 247.96%
Nov 247.81%
Nov 24-1.15%
Oct 24-1.16%
Oct 24-1.14%
Price to Sales
11.522.5med 1.42Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
WSBF Price to Sales by year
PeriodPrice to Sales
Sep 262.27
Sep 262.29
Aug 262.24
Aug 262.24
Aug 262.26
Aug 262.22
Jul 261.72
Jul 261.68
Jul 261.65
Jul 261.66
Jul 261.73
Jun 261.71
Jun 261.61
Jun 261.65
Jun 261.58
May 261.55
May 261.54
May 261.51
May 261.57
May 261.6
Apr 261.58
Apr 261.64
Apr 261.64
Apr 261.61
Mar 261.6
Mar 261.57
Mar 261.55
Mar 261.54
Feb 261.58
Feb 261.67
Feb 261.67
Feb 261.66
Jan 261.69
Jan 261.63
Jan 261.61
Jan 261.56
Jan 261.52
Dec 251.51
Dec 251.54
Dec 251.57
Dec 251.48
Nov 251.44
Nov 251.44
Nov 251.44
Nov 251.41
Oct 251.41
Oct 251.42
Oct 251.36
Oct 251.35
Oct 251.41
Sep 251.46
Sep 251.4
Sep 251.36
Sep 251.36
Aug 251.38
Aug 251.35
Aug 251.3
Aug 251.26
Aug 251.23
Jul 251.28
Jul 251.24
Jul 251.25
Jul 251.32
Jun 251.3
Jun 251.25
Jun 251.25
Jun 251.25
May 251.2
May 251.17
May 251.19
May 251.15
May 251.14
Apr 251.1
Apr 251.12
Apr 251.09
Apr 251.17
Mar 251.24
Mar 251.24
Mar 251.27
Mar 251.27
Feb 251.29
Feb 251.34
Feb 251.39
Feb 251.28
Jan 251.3
Jan 251.25
Jan 251.24
Jan 251.14
Jan 251.23
Dec 241.27
Dec 241.27
Dec 241.4
Dec 241.42
Nov 241.42
Nov 241.44
Nov 241.45
Nov 241.48
Nov 241.43
Oct 241.41
Oct 241.43
EV/EBITDA
101520253035med 17.56Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
WSBF EV/EBITDA by year
PeriodEV/EBITDA
Sep 2623.85
Sep 2623.97
Aug 2623.6
Aug 2623.62
Aug 2623.76
Aug 2623.42
Jul 2618.33
Jul 2618.13
Jul 2617.97
Jul 2618
Jul 2618.36
Jun 2618.26
Jun 2617.76
Jun 2617.94
Jun 2617.57
May 2617.45
May 2617.37
May 2617.21
May 2617.54
May 2613.92
Apr 2613.82
Apr 2614.13
Apr 2614.14
Apr 2613.97
Mar 2613.93
Mar 2613.77
Mar 2613.64
Mar 2613.6
Feb 2613.77
Feb 2618.05
Feb 2618.01
Feb 2617.99
Jan 2618.12
Jan 2617.78
Jan 2617.68
Jan 2617.37
Jan 2617.1
Dec 2517.08
Dec 2517.23
Dec 2517.43
Dec 2516.86
Nov 2516.65
Nov 2516.62
Nov 2516.62
Nov 2516.42
Oct 2516.23
Oct 2516.24
Oct 2515.85
Oct 2515.8
Oct 2516.2
Sep 2516.58
Sep 2516.15
Sep 2515.86
Sep 2515.89
Aug 2516.03
Aug 2515.81
Aug 2515.45
Aug 2515.16
Aug 2514.95
Jul 2515.31
Jul 2515.06
Jul 2515.13
Jul 2515.63
Jun 2515.45
Jun 2515.12
Jun 2515.11
Jun 2515.08
May 2514.74
May 2514.53
May 2514.62
May 2514.36
May 2518.2
Apr 2517.95
Apr 2518.08
Apr 2517.86
Apr 2518.44
Mar 2518.96
Mar 2518.96
Mar 2519.23
Mar 2519.21
Feb 2519.39
Feb 2521.64
Feb 2522.1
Feb 2521.09
Jan 2521.23
Jan 2520.79
Jan 2520.74
Jan 2519.74
Jan 2520.6
Dec 2420.94
Dec 2420.99
Dec 2422.2
Dec 2422.39
Nov 2422.46
Nov 2422.58
Nov 2422.73
Nov 2423.01
Nov 2430.71
Oct 2430.57
Oct 2430.8
Price/Operating Cashflow
051015med 6.21Jan 24Jan 25Apr 25Aug 25Nov 25Feb 26Sep 26
WSBF Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Sep 268.24
Sep 268.29
Aug 268.12
Aug 268.13
Aug 268.19
Aug 268.03
May 2613.35
Apr 2613.21
Apr 2613.67
Apr 2613.68
Apr 2613.43
Mar 2613.37
Mar 2613.13
Mar 2612.94
Mar 2612.88
Feb 2613.14
Feb 267.34
Feb 267.31
Feb 267.3
Jan 267.39
Jan 267.15
Jan 267.07
Jan 266.85
Jan 266.65
Dec 256.64
Dec 256.75
Dec 256.89
Dec 256.48
Nov 256.33
Nov 256.31
Nov 256.31
Nov 256.17
Oct 253.21
Oct 253.21
Oct 253.08
Oct 253.07
Oct 253.2
Sep 253.32
Sep 253.18
Sep 253.09
Sep 253.1
Aug 253.14
Aug 253.07
Aug 252.95
Aug 252.86
Aug 252.85
Jul 252.96
Jul 252.88
Jul 252.9
Jul 253.06
Jun 253
Jun 252.9
Jun 252.9
Jun 252.89
May 252.78
May 252.72
May 252.75
May 252.67
May 254.72
Apr 254.58
Apr 254.65
Apr 254.52
Apr 254.85
Mar 255.13
Mar 255.13
Mar 255.28
Mar 255.27
Feb 255.37
Feb 2511.02
Feb 2511.41
Feb 2510.55
Jan 2510.67
Jan 2510.3
Jan 2510.25
Jan 259.4
Jan 2510.13
Dec 2410.42
Dec 2410.47
Dec 2411.49
Dec 2411.65
Nov 2411.72
Nov 2411.82
Nov 2411.94
Nov 2412.18
Mar 245.54
Feb 245.53
Feb 245.76
Feb 245.65
Feb 245.55
Jan 246.25
Jan 246.02
Jan 245.99
Jan 246.17
Dec 236.33
Dec 236.3
Dec 236.12
Dec 235.65
Dec 235.53
Nov 235.38
Nov 235.34
Price to Book
0.60.811.2med 0.81Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
WSBF Price to Book by year
PeriodPrice to Book
Sep 261.05
Sep 261.06
Aug 261.03
Aug 261.04
Aug 261.04
Aug 261.02
Jul 261.02
Jul 261
Jul 260.98
Jul 260.99
Jul 261.03
Jun 261.02
Jun 260.96
Jun 260.98
Jun 260.94
May 260.92
May 260.91
May 260.9
May 260.93
May 260.92
Apr 260.91
Apr 260.95
Apr 260.95
Apr 260.93
Mar 260.93
Mar 260.91
Mar 260.9
Mar 260.89
Feb 260.91
Feb 260.94
Feb 260.94
Feb 260.94
Jan 260.95
Jan 260.92
Jan 260.91
Jan 260.88
Jan 260.86
Dec 250.85
Dec 250.87
Dec 250.89
Dec 250.83
Nov 250.81
Nov 250.81
Nov 250.81
Nov 250.79
Oct 250.81
Oct 250.81
Oct 250.77
Oct 250.77
Oct 250.8
Sep 250.83
Sep 250.8
Sep 250.78
Sep 250.78
Aug 250.79
Aug 250.77
Aug 250.74
Aug 250.72
Aug 250.71
Jul 250.73
Jul 250.72
Jul 250.72
Jul 250.76
Jun 250.74
Jun 250.72
Jun 250.72
Jun 250.72
May 250.69
May 250.68
May 250.68
May 250.66
May 250.67
Apr 250.65
Apr 250.66
Apr 250.64
Apr 250.69
Mar 250.73
Mar 250.73
Mar 250.75
Mar 250.75
Feb 250.76
Feb 250.76
Feb 250.79
Feb 250.73
Jan 250.74
Jan 250.71
Jan 250.71
Jan 250.65
Jan 250.7
Dec 240.72
Dec 240.72
Dec 240.79
Dec 240.81
Nov 240.81
Nov 240.82
Nov 240.83
Nov 240.84
Nov 240.81
Oct 240.81
Oct 240.82
Waterstone Financial, Inc.
WSBF
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News: WSBF

Analyzing China Minsheng (OTCMKTS:CMAKY) & Waterstone Financial (NASDAQ:WSBF)

defenseworld.net · 10 Sep 2026

Analyzing China Minsheng (OTCMKTS:CMAKY) & Waterstone Financial (NASDAQ:WSBF)

Waterstone Financial (NASDAQ: WSBF - Get Free Report) and China Minsheng (OTCMKTS:CMAKY - Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, risk, valuation, profitability, institutional ownership and earnings. Volatility and Risk Waterstone Financial has a beta

WSBF Surges 43% in a Year: Reason to Buy the Stock Now?

zacks.com · 3 Sep 2026

WSBF Surges 43% in a Year: Reason to Buy the Stock Now?

Improving margins, stronger mortgage volumes, loan growth and solid credit quality are strengthening Waterstone Financial's earnings outlook and financial flexibility.

BlackRock Inc. Buys New Shares in Waterstone Financial, Inc. $WSBF

defenseworld.net · 2 Sep 2026

BlackRock Inc. Buys New Shares in Waterstone Financial, Inc. $WSBF

BlackRock Inc. purchased a new stake in Waterstone Financial, Inc. (NASDAQ: WSBF) during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The fund purchased 1,641,766 shares of the savings and loans company's stock, valued at approximately $34,034,000. BlackRock Inc. owned about 9.09% of Waterstone Financial at

Connor Clark & Lunn Investment Management Ltd. Purchases New Shares in Waterstone Financial, Inc. $WSBF

defenseworld.net · 31 Aug 2026

Connor Clark & Lunn Investment Management Ltd. Purchases New Shares in Waterstone Financial, Inc. $WSBF

Connor Clark and Lunn Investment Management Ltd. purchased a new position in Waterstone Financial, Inc. (NASDAQ: WSBF) in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 41,778 shares of the savings and loans company's stock, valued at approximately

Waterstone Financial's Q2 Earnings Up Y/Y on Loan Yield Gains

zacks.com · 30 Jul 2026

Waterstone Financial's Q2 Earnings Up Y/Y on Loan Yield Gains

WSBF's Q2 earnings per share rise year over year on higher net interest income, improved margins and community banking strength, while mortgage banking faces pressure from softer sales margins.

Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2026

globenewswire.com · 23 Jul 2026

Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2026

WAUWATOSA, Wis., July 23, 2026 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $8.5 million, or $0.49 per diluted share, for the quarter ended June 30, 2026 compared to $7.7 million, or $0.43 per diluted share, for the quarter ended June 30, 2025.

Waterstone Financial Declares Regular Quarterly Cash Dividend

globenewswire.com · 23 Jun 2026

Waterstone Financial Declares Regular Quarterly Cash Dividend

WAUWATOSA, Wis., June 23, 2026 (GLOBE NEWSWIRE) -- On June 23, 2026, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share.

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