W

    Waterstone Financial Inc (WSBF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $20.96
    -0.11 (-0.52%)

    Market Cap: $378.78M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    65%(22/34)
    Avg Surprise
    +9.99%
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    		$0.49N/AN/ABeat+14.0%
    Mar 26
    		$0.34N/AN/ABeat+107.2%
    Dec 25
    		$0.44$0.00N/ABeat+55.6%
    Sep 25
    		$0.45$0.00N/ABeat+75.0%
    Jun 25
    		$0.43$0.00N/ABeat+39.8%
    Mar 25
    		$0.17N/AN/ABeat+4.1%
    Dec 24
    		$0.28$0.33-14.18%Miss-
    Sep 24
    		$0.26$0.30-14.57%Miss+60.2%
    Jun 24
    		$0.31$0.26+18.31%Beat+53.8%
    Mar 24
    		$0.16$0.13+22.77%Beat+59.6%
    Dec 23
    		$0.00N/A-100.00%Miss-100.0%
    Sep 23
    		$0.16$0.23-30.43%Miss-36.0%
    Jun 23
    		$0.20$0.27-25.93%Miss-44.4%
    Mar 23
    		$0.10$0.08+25.00%Beat-56.5%
    Dec 22
    		$0.04N/A-73.33%Miss-92.5%
    Sep 22
    		$0.25$0.29-13.79%Miss-68.4%
    Jun 22
    		$0.36$0.37-2.70%Miss-51.4%
    Mar 22
    		$0.23$0.30-23.33%Miss-74.2%
    Dec 21
    		$0.53$0.48+10.42%Beat-54.7%
    Sep 21
    		$0.79$0.61+29.51%Beat-26.9%
    Jun 21
    		$0.74$0.62+19.35%Beat-12.9%
    Mar 21
    		$0.89$0.66+34.85%Beat+229.6%
    Dec 20
    		$1.17$0.75+56.00%Beat+244.1%
    Sep 20
    		$1.08$0.55+96.36%Beat+157.1%
    Jun 20
    		$0.85$0.36+136.11%Beat+129.7%
    Mar 20
    		$0.27$0.31-12.90%Miss+12.5%
    Dec 19
    		$0.34$0.25+36.00%Beat+61.9%
    Sep 19
    		$0.42$0.31+35.48%Beat+35.5%
    Jun 19
    		$0.37$0.30+23.33%Beat+8.8%
    Mar 19
    		$0.24$0.19+26.32%Beat-4.0%
    Dec 18
    		$0.21$0.24-12.50%Miss+0.0%
    Sep 18
    		$0.31$0.28+10.71%Beat+10.7%
    Jun 18
    		$0.34$0.32+6.25%Beat+6.3%
    Mar 18
    		$0.25$0.21+19.05%Beat+4.2%
    Dec 17
    		$0.21$0.21+0.00%Beat-8.7%
    Sep 17
    		$0.28$0.29-3.45%Miss+3.7%
    Jun 17
    		$0.32$0.30+6.67%Beat-
    Mar 17
    		$0.24$0.18+33.33%Beat-
    Dec 16
    		$0.23$0.19+21.05%Beat-
    Sep 16
    		$0.27$0.27+0.00%Beat-

    Dividends

    Dividend Metrics

    Yield3.05%
    Annual/Share$0.64
    Payout Ratio36.39%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+0.00%
    5Y CAGR-5.11%
    View WSBF's full dividend history

    Key Metrics

    Valuation
    P/E Ratio12.16EV/EBITDAN/A
    Price/FCF8.39xFCF Yield11.92%
    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
    Beta0.71Avg Volume58.20K
    52-Week High$21.5052-Week Low$14.08

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$21.06
    SMA 20$21.02
    SMA 50$20.37
    SMA 200$18.12
    EMA 10$21.03
    EMA 20$20.91
    EMA 50$20.35
    EMA 200$18.27

    MACD

    Line: 0.22Signal: 0.28Hist: -0.06

    ADX

    ADX: 14.9+DI: 22.3-DI: 22.2

    Aroon & PSAR

    Aroon Up56.0
    Aroon DownN/A
    PSAR$20.55

    Bollinger Bands

    Upper Band$21.37
    Lower Band$20.67
    %B Position336%(Upper)
    Band Width0.42

    RSI (14-Day)

    Neutral
    55.0

    Momentum Oscillators

    Stoch %K54.0
    Stoch %D56.8
    Williams %R-55.7
    ROC (10d)-0.7%
    Momentum-0.14
    CCI (20d)-56.0
    MFI (14d)52.7

    Volatility Measures

    ATR (14d)$0.42(2.0%)
    StdDev (20d)0.18
    Hist Vol12.7%(Low)

    Volume Flow

    VWAP$20.90
    OBV1.6M
    AD Line-50.8M
    CMF (20d)-0.008

    Volume Metrics

    Avg Vol (20d)57.6K
    Vol Ratio1.2x
    VWMA (20d)$21.04

    Pivot Points

    R3$21.73
    R2$21.57
    R1$21.32
    Pivot Point$21.16
    S1$20.91
    S2$20.75
    S3$20.50

    Advanced Oscillators

    TSI19.00
    Ultimate Osc50.2
    KST40.87

    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

    Donald Smith & CO. Inc. Purchases New Shares in Waterstone Financial, Inc. $WSBF

    Donald Smith & CO. Inc. has acquired a new position of 164,590 shares in Waterstone Financial, Inc. (NASDAQ:WSBF) valued at approximately $3.41 million. Other institutional investors like AQR Capital Management LLC and Empowered Funds LLC also increased their stakes in the company. Waterstone Financial currently holds a consensus "Buy" rating from analysts, despite missing its recent quarterly earnings estimates.

    MarketBeat•8/22/26•
    Somewhat-Bullish

    Waterstone Financial EVP Gordon sells $172,406 in shares

    Ryan J. Gordon, EVP and Chief Credit Officer at Waterstone Financial (NASDAQ:WSBF), sold shares worth $172,406 on August 13, 2026, after exercising stock options. This sale involved 8,157 shares at prices between $21.10 and $21.145, occurring near the stock's 52-week high after a significant 57% gain over the past year. Prior to this, Gordon acquired 10,000 shares for $172,000 through stock option exercises, and he continues to hold a substantial number of shares directly and indirectly.

    Investing.com•8/18/26•
    Somewhat-Bearish

    Waterstone Financial EVP Ryan J Gordon Executes Stock Option and Sells Shares on August 13, 2026

    Ryan J Gordon, Executive Vice President and Chief Credit Officer of Waterstone Financial, Inc. (NASDAQ:WSBF), exercised a stock option for 10,000 shares on August 13, 2026, at an exercise price of $17.2 per share. On the same day, Gordon sold a total of 8,157 shares in three separate open-market transactions at prices ranging from $21.1 to $21.145. Following these transactions, his direct ownership totaled 11,611 shares, with additional indirect holdings through an ESOP and a Trust.

    Kalkine Media•8/17/26•
    Neutral

    Waterstone Financial EVP Gordon sells $172,406 in shares By Investing.com

    Ryan J. Gordon, EVP and Chief Credit Officer at Waterstone Financial, Inc., sold 8,157 shares totaling $172,406 on August 13, 2026, after exercising stock options. The shares were sold at prices ranging from $21.10 to $21.145, with the stock trading near its 52-week high and appearing overvalued according to InvestingPro. Gordon's holdings now include 11,611 direct shares and additional indirect shares through an ESOP and a Trust.

    Investing.com Canada•8/17/26•
    Somewhat-Bearish

    Waterstone Financial EVP Gordon sells $172,406 in shares By Investing.com

    Ryan J. Gordon, EVP and Chief Credit Officer at Waterstone Financial (NASDAQ:WSBF), sold shares worth $172,406 on August 13, 2026, after exercising stock options. Prior to the sale, Gordon acquired 10,000 shares through stock options at $17.20 each. The company recently announced a quarterly cash dividend of $0.17 per common share and elected three new directors to its board.

    Investing.com South Africa•8/17/26•
    Somewhat-Bearish

    Frequently Asked Questions About WSBF

    What is WSBF's current dividend yield?
    Waterstone Financial Inc (WSBF) has a current dividend yield of 3.05%.
    Does WSBF pay dividends?
    Yes, Waterstone Financial Inc pays dividends with a current yield of 3.05%.
    What is WSBF's P/E ratio?
    Waterstone Financial Inc has a price-to-earnings (P/E) ratio of 12.16.
    What is WSBF's market cap?
    Waterstone Financial Inc (WSBF) has a market capitalization of $378.78M with a current stock price of $20.96.

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