Financial Services
Waterstone Financial, Inc.(WSBF)
Live Price
Offline$19.21
+0.73% today
1Y Change
+35.11%
Window
Jun 23, 2025 โ May 29, 2026
- Market Cap
- $330.00M
- Revenue Growth
- +1.1%
- EPS Growth
- +46.5%
- Dividend Yield
- 3.5%
Coverage: 236 bars ยท Jun 23, 2025 โ May 29, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Waterstone Financial, Inc. (WSBF) is a Financial Services stock with a market cap of $330.00M and listed on NASDAQ. The stock last traded around $19.21 and up 35.1% across the available one-year price window (Jun 23, 2025 โ May 29, 2026). Baseline metrics include revenue growth of +1.1%, EPS growth of +46.5%, a dividend yield of 3.5%. What stands out right now is revenue +1.1%, EPS +46.5%, free cash flow -62.0% with operating margin 17.9% and ROIC 1.3%. The dividend matters to the case here, with a current yield around 3.5%. Valuation is more restrained than many high-expectation growth names at P/E 10.6 and price/sales 1.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines WSBF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
+1.1% vs +3.4% peer median
Operating Margin
Above sector median
+17.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 21, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +1.1% and EPS at +46.5%, with operating margin around 17.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +4.5% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 21, 2026 | โ | -0.3% | +1.0% | +0.8% |
2026 Jan 28, 2026 | +33.3% | +8.3% | +9.3% | +7.1% |
2025 Oct 23, 2025 | โ | +3.4% | +3.2% | +2.7% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
WSBF
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
WSBF Max Drawdown
-10.09%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for WSBF and SPY.
Company Overview
Waterstone Financial, Inc.
NASDAQ Global Select
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, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising 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. The company also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
- Leadership
- William F. Bruss
- IPO Date
- Oct 5, 2005
- Employees
- 600
- Street Address
- 11200 West Plank Court
- Mailing
- Wauwatosa, WI, 53226
- Region
- Wauwatosa, WI, US
- Reporting Currency
- USD
- Investor Line
- 414 761 1000
- Last Updated
- May 6, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.6
- EV/EBITDA
- 19.2
- Price/Sales
- 1.6
- Price/Book
- 0.9
Growth
- Revenue
- +1.1%
- EPS
- +46.5%
- Free Cash Flow
- -62.0%
Profitability
- Gross Margin
- 72.4%
- Operating Margin
- 17.9%
- Net Margin
- 14.2%
- ROE
- 8.5%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 1.19
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.