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    Waterstone Financial Inc (WSBF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $19.87
    +0.14 (+0.71%)

    Market Cap: $354.69M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    64%(21/33)
    Avg Surprise
    +10.30%
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    Reported Jul 23
    		$0.49N/AN/ABeat+14.0%
    Mar 26
    Reported Apr 23
    		$0.34N/AN/ABeat+107.2%
    Dec 25
    Reported Jan 28
    		$0.44$0.00N/ABeat+55.6%
    Sep 25
    Reported Oct 23
    		$0.45$0.00N/ABeat+75.0%
    Jun 25
    Reported Jul 22
    		$0.43$0.00N/ABeat+39.8%
    Mar 25
    Reported Apr 22
    		$0.17N/AN/ABeat+4.1%
    Dec 24
    Reported Jan 28
    		$0.28$0.33-14.18%Miss-
    Sep 24
    Reported Oct 22
    		$0.26$0.30-14.57%Miss+60.2%
    Jun 24
    Reported Jul 25
    		$0.31$0.26+18.31%Beat+53.8%
    Mar 24
    Reported Apr 30
    		$0.16$0.13+22.77%Beat+59.6%
    Dec 23
    Reported Feb 1
    		$0.00N/A-100.00%Miss-100.0%
    Sep 23
    Reported Oct 24
    		$0.16$0.23-30.43%Miss-36.0%
    Jun 23
    Reported Jul 25
    		$0.20$0.27-25.93%Miss-44.4%
    Mar 23
    Reported Apr 25
    		$0.10$0.08+25.00%Beat-56.5%
    Dec 22
    Reported Jan 26
    		$0.04N/A-73.33%Miss-92.5%
    Sep 22
    Reported Oct 26
    		$0.25$0.29-13.79%Miss-68.4%
    Jun 22
    Reported Jul 21
    		$0.36$0.37-2.70%Miss-51.4%
    Mar 22
    Reported Apr 21
    		$0.23$0.30-23.33%Miss-74.2%
    Dec 21
    Reported Jan 27
    		$0.53$0.48+10.42%Beat-54.7%
    Sep 21
    Reported Oct 19
    		$0.79$0.61+29.51%Beat-26.9%
    Jun 21
    Reported Jul 20
    		$0.74$0.62+19.35%Beat-12.9%
    Mar 21
    Reported Apr 26
    		$0.89$0.66+34.85%Beat+229.6%
    Dec 20
    Reported Jan 28
    		$1.17$0.75+56.00%Beat+244.1%
    Sep 20
    Reported Oct 26
    		$1.08$0.55+96.36%Beat+157.1%
    Jun 20
    Reported Jul 27
    		$0.85$0.36+136.11%Beat+129.7%
    Mar 20
    Reported Apr 28
    		$0.27$0.31-12.90%Miss+12.5%
    Dec 19
    Reported Mar 13
    		$0.34$0.25+36.00%Beat+61.9%
    Sep 19
    Reported Oct 23
    		$0.42$0.31+35.48%Beat+35.5%
    Jun 19
    Reported Jul 24
    		$0.37$0.30+23.33%Beat+8.8%
    Mar 19
    Reported Apr 23
    		$0.24$0.19+26.32%Beat-4.0%
    Dec 18
    Reported Jan 30
    		$0.21$0.24-12.50%Miss+0.0%
    Sep 18
    Reported Oct 23
    		$0.31$0.28+10.71%Beat+10.7%
    Jun 18
    Reported Jul 31
    		$0.34$0.32+6.25%Beat+6.3%
    Mar 18
    Reported Apr 24
    		$0.25$0.21+19.05%Beat+4.2%
    Dec 17
    Reported Jan 30
    		$0.21$0.21+0.00%Beat-8.7%
    Sep 17
    Reported Oct 24
    		$0.28$0.29-3.45%Miss-
    Jun 17
    Reported Jul 26
    		$0.32$0.30+6.67%Beat-
    Mar 17
    Reported Apr 28
    		$0.24$0.18+33.33%Beat-
    Dec 16
    Reported Feb 24
    		$0.23$0.19+21.05%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.42%
    Forward Annual Dividend$0.68
    Payout Ratio37.53%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+0.00%
    5Y CAGR-5.11%
    WSBF dividend history and ex-dividend datesRun WSBF in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.53EV/EBITDA17.51x
    Price/FCF7.95xFCF Yield12.58%
    Profitability
    Profit Margin20.00%Operating Margin26.70%
    ROE8.69%ROIC3.94%
    Financial Health
    Debt/Equity1.17xInterest Coverage0.68x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.74Avg Volume83.34K
    52-Week High$21.4752-Week Low$14.11

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$19.68
    SMA 20$19.87
    SMA 50$20.49
    SMA 200$18.79
    EMA 10$19.75
    EMA 20$19.91
    EMA 50$20.12
    EMA 200$18.70

    MACD

    Line: -0.23Signal: -0.26Hist: 0.03

    ADX

    ADX: 25.7+DI: 18.3-DI: 21.4

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down80.0
    PSAR$19.22

    Bollinger Bands

    Upper Band$20.56
    Lower Band$19.17
    %B Position701%(Upper)
    Band Width0.50

    RSI (14-Day)

    Neutral
    46.4

    Momentum Oscillators

    Stoch %K46.0
    Stoch %D38.6
    Williams %R-45.0
    ROC (10d)2.7%
    Momentum0.53
    CCI (20d)4.4
    MFI (14d)49.2

    Volatility Measures

    ATR (14d)$0.44(2.2%)
    StdDev (20d)0.35
    Hist Vol16.4%(Low)

    Volume Flow

    VWAP$19.96
    OBV2.0M
    AD Line-51.5M
    CMF (20d)-0.449

    Volume Metrics

    Avg Vol (20d)82.9K
    Vol Ratio0.9x
    VWMA (20d)$19.93

    Pivot Points

    R3$20.33
    R2$20.14
    R1$19.93
    Pivot Point$19.74
    S1$19.53
    S2$19.34
    S3$19.13

    Advanced Oscillators

    TSI-19.98
    Ultimate Osc46.5
    KST-52.58

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$40.25M$35.69M$37.17M$37.04M$38.04M$29.67M$31.84M$34.07M$37.18M$32.38M$28.63M$34.22M
    Cost of RevenueN/A$13.82M$13.84M$14.55M$14.97M$14.62M$16.58M$17.30M$17.12M$15.84M$14.50M$14.83M
    Gross ProfitN/A$35.42M$40.47M$36.62M$37.23M$29.31M$30.99M$33.75M$36.54M$31.27M$28.31M$33.05M
    Operating Expenses$29.38M$27.88M$27.68M$27.47M$28.38M$26.35M$25.27M$28.56M$30.26M$27.55M$29.66M$30.02M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$7.55M$10.05M$9.84M$9.67M$3.88M$6.21M$5.89M$7.14M$4.77M$-595,000$3.75M
    Interest Income$29.59M$29.02M$30.11M$29.56M$28.68M$27.75M$29.05M$29.19M$28.02M$26.91M$26.69M$26.38M
    Interest Expense$13.58M$13.55M$14.40M$14.82M$14.98M$15.18M$16.22M$17.67M$17.34M$15.77M$14.94M$14.39M
    Income Before Tax$10.63M$7.55M$10.05M$9.84M$9.67M$3.88M$6.21M$5.89M$7.14M$4.77M$-595,000$3.75M
    Income Tax Expense$2.17M$1.55M$2.34M$1.92M$1.94M$845,000$996,000$1.16M$1.43M$1.73M$-555,000$500,000
    Net Income$8.46M$6.00M$7.71M$7.93M$7.73M$3.04M$5.21M$4.73M$5.71M$3.04M$-40,000$3.25M
    EBITDA$11.43M$8.47M$10.74M$10.44M$10.23M$4.59M$6.80M$6.65M$7.78M$5.25M$438,000$3.75M
    EBIT$10.63M$7.55M$10.05M$9.84M$9.67M$3.88M$6.21M$5.89M$7.14M$4.77M$-595,000$3.75M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Waterstone Financial declares USD 0.17 dividend: Waterstone Financial stock yields 3.40 percent

    Waterstone Financial has declared a quarterly dividend of USD 0.17, maintaining its payout to shareholders, which translates to an annualized dividend of USD 0.68 and a yield of 3.40 percent. The company is set to report...

    ad-hoc-news.de•10/15/26•Neutral

    Waterstone Financial (WSBF) Set to Announce Earnings on Thursday

    Waterstone Financial (WSBF) is expected to release its Q3 2026 earnings on Thursday, October 22nd, with analysts forecasting earnings of $0.66 per share and revenue of $65.80 million. This follows a previous quarter...

    MarketBeat•10/15/26•Neutral

    (WSBF) and the Role of Price-Sensitive Allocations

    This article analyzes Waterstone Financial Inc. (NASDAQ: WSBF) using AI models, identifying positive near-term sentiment within a long-term strength context...

    Stock Traders Daily•10/14/26•Bullish

    Why (WSBF) Price Action Is Critical for Tactical Trading

    This article analyzes Waterstone Financial Inc. (NASDAQ: WSBF), highlighting weak near and mid-term sentiment despite a positive long-term outlook. It identifies elevated downside risk due to a lack of additional...

    Stock Traders Daily•10/4/26•Somewhat-Bearish

    WSBF Forecast — Price Target — Prediction for 2027

    This article provides a forecast and price target for Waterstone Financial, Inc. (WSBF) stock, including historical data, current performance metrics...

    TradingView•10/2/26•Neutral

    WSBF Valuation and Fair Value

    P/E
    11.5x
    Forward P/E
    20.7x
    EV/EBITDA
    17.5x
    P/FCF
    7.9x
    PEG
    0.0x
    P/B
    1.0x
    See GNG's fair value

    WSBF Profitability: Margins, ROIC and FCF

    Operating margin
    26.7%
    Net margin
    20.0%
    ROIC
    3.9%
    ROE
    8.7%
    FCF margin
    28.5%
    FCF yield
    12.6%

    WSBF Competitors

    CompanyTicker
    Gladstone Investment Corporation 8.00% Notes due 2028GAINL
    Timberland Bancorp IncTSBK
    ProCap Financial, Inc.BRR
    FS Bancorp IncFSBW
    Titan Acquisition CorpTACH
    BlackRock TCP Capital CorpTCPC
    Norwood Financial CorpNWFL
    Voyager Acquisition CorpVACH

    Sector: Financial Services

    WSBF Bull Case vs Bear Case

    Bull case

    • WSBF converts 28.5% of revenue into free cash flow.
    • WSBF has a 20.0% net profit margin.

    WSBF Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    -17.5%

    WSBF Dividend

    Forward yield
    3.4%
    Payout ratio
    37.5%
    3Y DPS growth
    0.0%
    5Y DPS growth
    -5.1%
    Pay months
    Feb, May, Aug, Nov
    WSBF dividend history

    Frequently Asked Questions About WSBF

    What is WSBF's current dividend yield?

    Waterstone Financial Inc (WSBF) has a forward dividend yield of 3.42%.

    Does WSBF pay dividends?

    Yes, Waterstone Financial Inc pays dividends with a forward dividend yield of 3.42%.

    What is WSBF's P/E ratio?

    Waterstone Financial Inc has a price-to-earnings (P/E) ratio of 11.53.

    What is WSBF's market cap?

    Waterstone Financial Inc (WSBF) has a market capitalization of $354.69M with a current stock price of $19.87.

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