Waterstone Financial Statistics

Total Valuation

WSBF has a market cap or net worth of $264.96 million. The enterprise value is $616.93 million.

Market Cap	264.96M
Enterprise Value	616.93M

Important Dates

The next estimated earnings date is Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Jul 8, 2025

Share Statistics

WSBF has 19.08 million shares outstanding. The number of shares has decreased by -6.65% in one year.

Current Share Class	19.08M
Shares Outstanding	19.08M
Shares Change (YoY)	-6.65%
Shares Change (QoQ)	-0.63%
Owned by Insiders (%)	7.20%
Owned by Institutions (%)	56.16%
Float	16.55M

Valuation Ratios

The trailing PE ratio is 13.18.

PE Ratio	13.18
Forward PE	n/a
PS Ratio	1.84
Forward PS	n/a
PB Ratio	0.75
P/TBV Ratio	0.78
P/FCF Ratio	3.16
P/OCF Ratio	3.13
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	33.02
EV / Sales	4.62
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.36

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.50%.

Return on Equity (ROE)	5.50%
Return on Assets (ROA)	0.85%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$222,585
Profits Per Employee	$31,143
Employee Count	600
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSBF has paid $4.43 million in taxes.

Income Tax	4.43M
Effective Tax Rate	19.16%

Stock Price Statistics

The stock price has increased by +12.93% in the last 52 weeks. The beta is 0.71, so WSBF's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+12.93%
50-Day Moving Average	12.85
200-Day Moving Average	13.84
Relative Strength Index (RSI)	66.96
Average Volume (20 Days)	54,801

Short Selling Information

The latest short interest is 115,158, so 0.60% of the outstanding shares have been sold short.

Short Interest	115,158
Short Previous Month	93,564
Short % of Shares Out	0.60%
Short % of Float	0.70%
Short Ratio (days to cover)	2.35

Income Statement

In the last 12 months, WSBF had revenue of $133.55 million and earned $18.69 million in profits. Earnings per share was $1.02.

Revenue	133.55M
Gross Profit	133.55M
Operating Income	23.12M
Pretax Income	15.07M
Net Income	18.69M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.02

Full Income Statement

Balance Sheet

The company has $54.43 million in cash and $406.40 million in debt, giving a net cash position of -$351.97 million or -$18.45 per share.

Cash & Cash Equivalents	54.43M
Total Debt	406.40M
Net Cash	-351.97M
Net Cash Per Share	-$18.45
Equity (Book Value)	341.36M
Book Value Per Share	17.90
Working Capital	-1.39B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $84.74 million and capital expenditures -$974,000, giving a free cash flow of $83.77 million.

Operating Cash Flow	84.74M
Capital Expenditures	-974,000
Free Cash Flow	83.77M
FCF Per Share	$4.39

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	17.31%
Pretax Margin	17.31%
Profit Margin	13.99%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	62.73%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 4.52%.

Dividend Per Share	$0.60
Dividend Yield	4.52%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	58.98%
Buyback Yield	6.65%
Shareholder Yield	10.97%
Earnings Yield	7.05%
FCF Yield	31.62%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 23, 2014. It was a forward split with a ratio of 1.0973:1.

Last Split Date	Jan 23, 2014
Split Type	Forward
Split Ratio	1.0973:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4