How to buy Waterstone Financial stock (WSBF)

Waterstone Financial is a banks - regional business based in the US. Waterstone Financial shares (WSBF) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $13.48 – a decrease of 8.92% over the previous week. Waterstone Financial employs 698 staff and has a trailing 12-month revenue of around $133.2 million.

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Waterstone Financial stock price (NASDAQ: WSBF)

Use our graph to track the performance of WSBF stocks over time.

Waterstone Financial shares at a glance

• Key figures

Information last updated 2024-12-15.

Latest market close	$13.48
52-week range	$10.37 - $16.86
50-day moving average more info button	$14.98
200-day moving average more info button	$13.33
Wall St. target price	$12.50
PE ratio more info button	21.1806
Dividend yield more info button	$0.55 (3.93%)
Earnings per share (TTM) more info button	$0.72

Is it a good time to buy Waterstone Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Waterstone Financial price performance over time

Historical closes compared with the close of $13.96 from 2024-12-19

1 week (2024-12-13)	-5.68%
1 month (2024-11-22)	-8.28%
3 months (2024-09-20)	-10.91%
6 months (2024-06-21)	14.43%

1 year (2023-12-21)	-1.83%
2 years (2022-12-21)	-8.46%
3 years (2021-12-21)	18.3994
5 years (2019-12-20)	14.2561

Is Waterstone Financial stock undervalued or overvalued?

Valuing Waterstone Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Waterstone Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Waterstone Financial's P/E ratio

Waterstone Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 21x. In other words, Waterstone Financial shares trade at around 21x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Waterstone Financial financials

Revenue TTM	$133.2 million
Operating margin TTM	17.09%
Gross profit TTM	$161.5 million
Return on assets TTM	0.6%
Return on equity TTM	3.9%
Profit margin	10.09%
Book value	$18.64
Market Capitalization more info button	$295.4 million

TTM: trailing 12 months

Waterstone Financial share dividends

Dividend payout ratio: 82.93% of net profits

Recently Waterstone Financial has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Waterstone Financial shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Waterstone Financial's case, that would currently equate to about $0.55 per share.

Waterstone Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Waterstone Financial's most recent dividend payout was on 31 October 2024. The latest dividend was paid out to all shareholders who bought their shares by 7 October 2024 (the "ex-dividend date").

Have Waterstone Financial's shares ever split?

Waterstone Financial's shares were split on a 10972:1000 basis on 22 January 2014 . So if you had owned 1000 shares the day before before the split, the next day you'd have owned 10972 shares. This wouldn't directly have changed the overall worth of your Waterstone Financial shares – just the quantity. However, indirectly, the new 90.9% lower share price could have impacted the market appetite for Waterstone Financial shares which in turn could have impacted Waterstone Financial's share price.

Waterstone Financial share price volatility

Over the last 12 months, Waterstone Financial's shares have ranged in value from as little as $10.3668 up to $16.86. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Waterstone Financial's is 0.642. This would suggest that Waterstone Financial's shares are less volatile than average (for this exchange).

Waterstone Financial overview

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. It 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.

Frequently asked questions

What percentage of Waterstone Financial is owned by insiders or institutions?
Currently 18.892% of Waterstone Financial shares are held by insiders and 52.309% by institutions. How many people work for Waterstone Financial?
Latest data suggests 698 work at Waterstone Financial. When does the fiscal year end for Waterstone Financial?
Waterstone Financial's fiscal year ends in December. Where is Waterstone Financial based?
Waterstone Financial's address is: 11200 West Plank Court, Wauwatosa, WI, United States, 53226 What is Waterstone Financial's ISIN number?
Waterstone Financial's international securities identification number is: US94188P1012 What is Waterstone Financial's CUSIP number?
Waterstone Financial's Committee on Uniform Securities Identification Procedures number is: 94348P108