WSBF
Waterstone Financial, Inc.
Next earnings Jul 20, 2026
Last earnings -0.2% on 2026-04-23
$20.36
▲ +0.89%$20.36▲ +54.52%
over 1Y
L $12.82EODHDH $20.36
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.9%
1W+6.4%
1M+9.2%
3M+13.4%
YTD+26.0%
1Y+54.5%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Sell
Mixed signals in the latest filings.
Return on equity 7.6% · latest
The read
It screens cheap (~172% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
Waterstone Financial, Inc. shows limited reported revenue, and 7.6% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $70.8M | $19.5M | $9.38M | $18.7M | $26.4M |
| Diluted EPS | $2.96 | $0.89 | $0.46 | $1.01 | $1.48 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF16.2
PEG (trailing)0.33
Earnings yield7.1%
FCF yield6.2%
Quality & risk
ROIC (est.)—
Free cash flow$23.0M
Total debt$559M
Net cash-$183M
Piotroski F-Score5/6
Capital returns
Buyback yield4.3%
Dividend yield (est.)2.9%
Shareholder yield7.2%
Shares Δ YoY-5.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-232026-06-23open ↗11-KPeriod ending 2025-12-312026-06-03open ↗4Period ending 2026-05-212026-05-22open ↗144Filing2026-05-21open ↗8-KPeriod ending 2026-05-192026-05-19open ↗10-QPeriod ending 2026-03-312026-05-07open ↗8-KPeriod ending 2026-04-272026-04-27open ↗8-KPeriod ending 2026-04-232026-04-23open ↗ARSPeriod ending 2025-12-312026-04-09open ↗DEF 14APeriod ending 2026-05-192026-04-09open ↗8-KPeriod ending 2026-03-172026-03-17open ↗10-KPeriod ending 2025-12-312026-02-26open ↗
Frequently asked
- Is Waterstone Financial, Inc. (WSBF) a buy?
- WSBF currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is WSBF's fair value?
- A Modified-Graham model based on WSBF's SEC fundamentals estimates a fair value of about $55.28. It is an estimate from reported earnings, not a price target.
- Is WSBF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, WSBF currently appears undervalued relative to its SEC-grounded earnings power.
- What is Waterstone Financial, Inc.'s quality score?
- WSBF scores 77.82352941176471/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001569994, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 7:53:39 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.