Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 202M | 199M | 177M | 171M | 268M |
| Gross Profit | 144M | 133M | 127M | 157M | 258M |
| Operating Income | 33M | 24M | 11M | 24M | 92M |
| EBITDA | 33M | 26M | 14M | 29M | 98M |
| Net Income | 26M | 19M | 9M | 19M | 71M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$19.21
+0.73% today
1Y Change
+35.11%
Window
Jun 23, 2025 → May 29, 2026
Coverage: 236 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
WSBF
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
WSBF Max Drawdown
-10.09%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for WSBF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$268.5M
+56.9% YoY
FY Net Income
$70.8M
+263.3% YoY
Free Cash Flow
$141.2M
-31.4% YoY
Revenue Growth
+1.1%
EPS Growth
+46.5%
Gross Margin
72.4%
Net Margin
14.2%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 202M | 199M | 177M | 171M | 268M |
| Gross Profit | 144M | 133M | 127M | 157M | 258M |
| Operating Income | 33M | 24M | 11M | 24M | 92M |
| EBITDA | 33M | 26M | 14M | 29M | 98M |
| Net Income | 26M | 19M | 9M | 19M | 71M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 64M | 35M | 31M | 36M | 363M |
| Total Assets | 2.3B | 2.2B | 2.2B | 2.0B | 2.2B |
| Total Liabilities | 1.9B | 1.9B | 1.9B | 1.7B | 1.8B |
| Shareholder Equity | 349M | 339M | 344M | 370M | 433M |
| Total Debt | 412M | 447M | 466M | 387M | 477M |
| Net Debt | 349M | 411M | 435M | 351M | 114M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
142M
-31.3% YoY
Capital Expenditures
778K
-11.0% YoY
Free Cash Flow
141M
-31.4% YoY
Key ratios
Gross Margin
72.4%
Operating Margin
17.9%
Net Margin
14.2%
ROE
8.5%
Debt / Equity
1.19x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.