Waterstone Financial Stock Analysis

WSBF Stock  USD 13.67  0.11  0.81%   
Waterstone Financial is undervalued with Real Value of 14.32 and Hype Value of 13.57. The main objective of Waterstone Financial stock analysis is to determine its intrinsic value, which is an estimate of what Waterstone Financial is worth, separate from its market price. There are two main types of Waterstone Financial's stock analysis: fundamental analysis and technical analysis.
The Waterstone Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Waterstone Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Waterstone Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.

Waterstone Stock Analysis Notes

About 19.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.75. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Waterstone Financial last dividend was issued on the 8th of July 2025. The entity had 10972:10000 split on the 23rd of January 2014. 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. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin. Waterstone Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 870 people. For more information please call Douglas Gordon at 414 761 1000 or visit https://www.wsbonline.com.

Waterstone Financial Investment Alerts

About 19.0% of the company outstanding shares are owned by insiders
Latest headline from news.google.com: What drives Waterstone Financial Inc. stock price - High-octane gains - Jammu Links News

Waterstone Financial Upcoming and Recent Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

Waterstone Largest EPS Surprises

Earnings surprises can significantly impact Waterstone Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2008-05-12
2008-03-310.010.020.01100 
2010-11-05
2010-09-300.01-0.0146-0.0246246 
2024-04-30
2024-03-310.130.15960.029622 
View All Earnings Estimates

Waterstone Financial Environmental, Social, and Governance (ESG) Scores

Waterstone Financial's ESG score is a quantitative measure that evaluates Waterstone Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Waterstone Financial's operations that may have significant financial implications and affect Waterstone Financial's stock price as well as guide investors towards more socially responsible investments.

Waterstone Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
American Century Companies Inc2025-03-31
154.3 K
Arrowstreet Capital Limited Partnership2025-03-31
146.1 K
Charles Schwab Investment Management Inc2025-03-31
143.5 K
Goldman Sachs Group Inc2025-03-31
105.7 K
John G Ullman & Associates Inc2025-03-31
92.7 K
Empowered Funds, Llc2025-03-31
83.6 K
Jpmorgan Chase & Co2025-03-31
80.6 K
Citadel Advisors Llc2025-03-31
80.2 K
Bank Of New York Mellon Corp2025-03-31
77.9 K
Blackrock Inc2025-03-31
1.8 M
Dimensional Fund Advisors, Inc.2025-03-31
1.5 M
Note, although Waterstone Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Waterstone Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 258.66 M.

Waterstone Profitablity

The company has Profit Margin (PM) of 0.14 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.13 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.13.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.04  0.03 
Return On Assets 0.01  0.01 
Return On Equity 0.06  0.04 

Management Efficiency

The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.03. At this time, Waterstone Financial's Other Current Assets are most likely to decrease significantly in the upcoming years. The Waterstone Financial's current Intangible Assets is estimated to increase to about 2.3 M, while Non Current Assets Total are projected to decrease to roughly 1.5 B. Waterstone Financial's management efficiency ratios could be used to measure how well Waterstone Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 18.28  9.34 
Tangible Book Value Per Share 18.28  9.34 
Enterprise Value Over EBITDA 24.83  23.59 
Price Book Value Ratio 0.74  0.70 
Enterprise Value Multiple 24.83  23.59 
Price Fair Value 0.74  0.70 
Enterprise Value786.7 M486.9 M
Waterstone Financial's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield
0.0449
Operating Margin
0.1281
Profit Margin
0.1399
Forward Dividend Yield
0.0434
Beta
0.713

Technical Drivers

As of the 22nd of July, Waterstone Financial maintains the Mean Deviation of 0.989, downside deviation of 1.23, and Market Risk Adjusted Performance of 0.2955. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Waterstone Financial, as well as the relationship between them. Please check out Waterstone Financial jensen alpha, potential upside, as well as the relationship between the Potential Upside and skewness to decide if Waterstone Financial is priced fairly, providing market reflects its latest price of 13.67 per share. Given that Waterstone Financial has jensen alpha of 0.0977, we strongly advise you to confirm Waterstone Financial's prevalent market performance to make sure the company can sustain itself at a future point.

Waterstone Financial Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Simple Moving Average indicator is calculated by adding the closing price of Waterstone Financial for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Waterstone Financial short-term fluctuations and highlight longer-term trends or cycles.

Waterstone Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Waterstone Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Waterstone Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Waterstone Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Lawton Patrick S six days ago
Acquisition by Lawton Patrick S of 37500 shares of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Lawton Patrick S over three months ago
Disposition of 37500 shares by Lawton Patrick S of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Schmidt Stephen J over three months ago
Disposition of 220 shares by Schmidt Stephen J of Waterstone Financial at 15.3 subject to Rule 16b-3
 
Schmidt Stephen J over three months ago
Disposition of 230 shares by Schmidt Stephen J of Waterstone Financial at 15.38 subject to Rule 16b-3
 
Rappe Kristine A over three months ago
Disposition of tradable shares by Rappe Kristine A of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Schmidt Stephen J over three months ago
Disposition of tradable shares by Schmidt Stephen J of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Rappe Kristine A over three months ago
Disposition of 4760 shares by Rappe Kristine A of Waterstone Financial at 13.7653 subject to Rule 16b-3
 
Schmidt Stephen J over three months ago
Disposition of tradable shares by Schmidt Stephen J of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Rappe Kristine A over three months ago
Disposition of tradable shares by Rappe Kristine A of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Rappe Kristine A over three months ago
Disposition of 4760 shares by Rappe Kristine A of Waterstone Financial at 13.7653 subject to Rule 16b-3
 
Schmidt Stephen J over three months ago
Disposition of 12291 shares by Schmidt Stephen J of Waterstone Financial at 12.75 subject to Rule 16b-3
 
Schmidt Stephen J over six months ago
Disposition of 1 shares by Schmidt Stephen J of Waterstone Financial at 15.305 subject to Rule 16b-3

Waterstone Financial Outstanding Bonds

Waterstone Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Waterstone Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Waterstone bonds can be classified according to their maturity, which is the date when Waterstone Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Waterstone Financial Predictive Daily Indicators

Waterstone Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Waterstone Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Waterstone Financial Corporate Filings

8K
9th of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
17th of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
6th of June 2025
Other Reports
ViewVerify
8K
20th of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
10Q
8th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
22nd of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
17th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
10th of April 2025
Other Reports
ViewVerify

Waterstone Financial Forecast Models

Waterstone Financial's time-series forecasting models are one of many Waterstone Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Waterstone Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Waterstone Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Waterstone Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Waterstone shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Waterstone Financial. By using and applying Waterstone Stock analysis, traders can create a robust methodology for identifying Waterstone entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.12  0.19 
Operating Profit Margin 0.12  0.19 
Net Profit Margin 0.09  0.09 
Gross Profit Margin 0.66  0.45 

Be your own money manager

As an investor, your ultimate goal is to build wealth. Optimizing your investment portfolio is an essential element in this goal. Using our stock analysis tools, you can find out how much better you can do when adding Waterstone Financial to your portfolios without increasing risk or reducing expected return.

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When running Waterstone Financial's price analysis, check to measure Waterstone Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Waterstone Financial is operating at the current time. Most of Waterstone Financial's value examination focuses on studying past and present price action to predict the probability of Waterstone Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Waterstone Financial's price. Additionally, you may evaluate how the addition of Waterstone Financial to your portfolios can decrease your overall portfolio volatility.
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