Loading...
XNASWSBF
Market cap244mUSD
Jan 08, Last price  
12.64USD
1D
-0.63%
1Q
-7.20%
Jan 2017
-31.30%
IPO
19.26%
Name

Waterstone Financial Inc

Chart & Performance

D1W1MN
XNAS:WSBF chart
P/E
26.12
P/S
2.47
EPS
0.48
Div Yield, %
6.27%
Shrs. gr., 5y
-6.08%
Rev. gr., 5y
-10.11%
Revenues
99m
-37.12%
3,895,0004,495,00043,651,00041,683,00049,339,00057,231,00088,657,00089,745,000133,148,000127,005,000125,875,000143,318,000166,934,000172,084,000169,004,000179,659,000292,871,000254,100,000157,765,00099,208,000
Net income
9m
-51.89%
10,584,0009,116,0008,053,0001,558,000-26,446,000-10,138,000-1,854,000-7,473,00034,914,00014,708,00012,732,00016,570,00025,532,00025,964,00030,754,00035,903,00081,145,00070,791,00019,487,0009,375,000
CFO
-28m
L
11,224,00013,061,00010,121,000-224,00024,068,000-11,884,000-13,128,00035,090,000-8,137,00052,284,000-2,216,000-12,991,000-24,062,000107,097,00041,503,000-40,219,000-93,582,000154,454,000206,665,000-27,577,000
Dividend
Oct 08, 20240.15 USD/sh
Earnings
Jan 28, 2025

Profile

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. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. The company also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
IPO date
Oct 05, 2005
Employees
742
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
99,208
-37.12%
157,765
-37.91%
Cost of revenue
87,875
103,541
Unusual Expense (Income)
NOPBT
11,333
54,224
NOPBT Margin
11.42%
34.37%
Operating Taxes
1,657
4,992
Tax Rate
14.62%
9.21%
NOPAT
9,676
49,232
Net income
9,375
-51.89%
19,487
-72.47%
Dividends
(15,363)
(30,260)
Dividend yield
5.36%
7.97%
Proceeds from repurchase of equity
(26,032)
298,017
BB yield
9.08%
-78.54%
Debt
Debt current
185,700
Long-term debt
300,000
200,000
Deferred revenue
197,635
Other long-term liabilities
1,569,333
(200,000)
Net debt
58,672
(43,435)
Cash flow
Cash from operating activities
(27,577)
206,665
CAPEX
(880)
(701)
Cash from investing activities
(159,224)
(335,742)
Cash from financing activities
176,580
(201,003)
FCF
243,273
199,783
Balance
Cash
36,421
232,547
Long term investments
204,907
196,588
Excess cash
236,368
421,247
Stockholders' equity
240,148
254,992
Invested Capital
1,977,021
1,960,015
ROIC
0.49%
2.52%
ROCE
0.51%
2.45%
EV
Common stock shares outstanding
20,196
22,010
Price
14.20
-17.63%
17.24
-21.13%
Market cap
286,783
-24.42%
379,452
-27.47%
EV
345,455
336,017
EBITDA
14,634
58,257
EV/EBITDA
23.61
5.77
Interest
48,993
13,291
Interest/NOPBT
432.30%
24.51%