Saturday 17 October 2026
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Waterstone Financial, Inc.
WSBF Financial Banks Regional
Waterstone Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $201.3 million, down 0.58% from fiscal 2024. In the quarter to June 2026, revenue grew 1.53%, EPS grew 14.0% and free cash flow grew 124.3%, each against the same quarter a year earlier. Dividend growth for three consecutive years.
19.89
0.02
+0.10%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.11 | 13.31 | 30.59 | 19.90 | 7.34 | 5.57 | 13.79 | 14.96 | 18.24 | 19.79 |
Piotroski F-Score |
6 | 7 | 4 | 5 | 6 | 6 | 5 | 6 | 7 | 6 |
P/S ratio |
1.47 | 1.23 | 1.57 | 2.18 | 1.90 | 1.43 | 2.35 | 2.39 | 2.46 | 2.65 |
P/FCF ratio |
10.30 | 4.74 | 0.00 | 1.86 | 3.67 | 0.00 | 0.00 | 12.22 | 4.46 | 0.00 |
P/Operating CF |
93.04 | 10.64 | (283.91) | 5.36 | 28.31 | 20.22 | 17.64 | 7.03 | 14.04 | 41.07 |
P/B ratio |
0.84 | 0.74 | 0.82 | 1.03 | 1.20 | 1.11 | 1.26 | 1.15 | 1.14 | 1.22 |
Price to Tangible BV |
0.84 | 0.74 | 0.82 | 1.03 | 1.20 | 1.11 | 1.26 | 1.15 | 1.14 | 1.22 |
EV/Sales |
3.16 | 3.24 | 4.76 | 4.11 | 2.27 | 2.71 | 4.30 | 4.21 | 4.22 | 4.43 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
26.31 | 13.65 | (31.12) | 3.50 | 4.36 | (9.34) | (22.49) | 19.46 | 7.55 | (35.03) |
EV/FCF |
22.21 | 12.47 | (97.87) | 3.51 | 4.39 | (9.22) | (20.87) | 21.51 | 7.66 | (33.52) |
Quick Ratio |
0.05 | 0.03 | 0.03 | 0.04 | 0.31 | 0.08 | 0.07 | 0.08 | 0.05 | 0.05 |
Current Ratio |
1.30 | 1.35 | 1.55 | 1.39 | 1.52 | 1.56 | 1.56 | 1.53 | 1.53 | 1.51 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
18.25% | 20.21% | 27.61% | 19.04% | 21.53% | 23.26% | 24.22% | 22.71% | 21.38% | 21.62% |
Debt/Equity |
1.18 | 1.32 | 1.78 | 1.04 | 1.10 | 1.23 | 1.23 | 1.09 | 0.94 | 0.94 |
Asset Turnover |
0.09 | 0.09 | 0.09 | 0.08 | 0.12 | 0.15 | 0.11 | 0.10 | 0.11 | 0.11 |
Operating CF/Net income |
0.92 | 2.57 | (2.94) | 10.61 | 2.01 | (1.15) | (1.12) | 1.35 | 4.12 | (0.94) |
Capex/Depreciation |
(0.46) | 0.47 | 0.78 | (0.17) | 1.93 | (0.74) | (0.72) | (0.59) | (0.33) | (0.19) |
| 7.67% | 5.47% | 2.62% | 4.85% | 16.74% | 20.12% | 9.05% | 7.58% | 6.31% | 6.36% | |
| 1.18% | 0.85% | 0.44% | 0.92% | 3.22% | 3.88% | 1.84% | 1.65% | 1.44% | 1.44% | |
ROIC |
3.03% | 2.01% | 0.75% | 2.15% | 10.80% | 8.18% | 3.70% | 3.36% | 3.70% | 3.50% |
Return on Tangible Assets |
5.79% | 3.76% | 1.39% | 3.96% | 10.59% | 11.73% | 5.72% | 5.31% | 4.88% | 5.02% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
53.89% | 55.05% | 66.73% | 78.52% | 61.01% | 58.73% | 64.31% | 68.84% | 68.25% | 67.24% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.15% | 0.16% | 0.15% | 0.33% | 0.27% | 0.22% | 0.51% | 0.92% | 0.99% | 1.01% |
Graham Net Nets |
(0.12) | (0.13) | (0.08) | 0.02 | 0.19 | 0.18 | 0.14 | 0.17 | 0.17 | 0.11 |
Graham Number |
25.63 | 20.38 | 13.29 | 18.31 | 34.96 | 35.84 | 21.67 | 19.19 | 17.81 | 17.92 |
Earnings Yield |
9.00% | 7.51% | 3.27% | 5.03% | 13.63% | 17.96% | 7.25% | 6.68% | 5.48% | 5.05% |
Free Cash Flow Yield |
9.71% | 21.09% | (3.09%) | 53.75% | 27.21% | (20.59%) | (8.75%) | 8.19% | 22.40% | (5.00%) |
Revenue per Share |
11.29 | 10.91 | 8.95 | 8.03 | 11.50 | 13.18 | 8.09 | 7.01 | 6.97 | 7.03 |
Operating CF per Share |
1.36 | 2.59 | (1.37) | 9.44 | 5.98 | (3.83) | (1.55) | 1.52 | 3.90 | (0.89) |
Capex per Share |
(0.07) | 0.05 | 0.14 | (0.03) | 0.49 | 0.24 | (0.12) | (0.09) | (0.06) | (0.04) |
Free Cash Flow per Share |
1.29 | 2.64 | (1.23) | 9.41 | 6.47 | (3.59) | (1.67) | 1.42 | 3.84 | (0.93) |
Cash per Share |
3.99 | 2.14 | 1.81 | 2.13 | 15.87 | 3.87 | 2.86 | 3.15 | 1.77 | 1.75 |
Shareholders Equity per Share |
19.59 | 18.28 | 17.07 | 16.93 | 18.23 | 16.89 | 15.13 | 14.61 | 15.00 | 15.19 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.59 | 18.28 | 17.07 | 16.93 | 18.23 | 16.89 | 15.13 | 14.61 | 15.00 | 15.19 |
Free Cash Flow |
23.02 | 49.07 | (24.75) | 205.96 | 153.68 | (87.82) | (43.33) | 38.97 | 105.52 | (25.15) |
Working Capital |
436.97 | 478.10 | 656.46 | 471.24 | 646.08 | 668.21 | 602.29 | 555.12 | 508.86 | 484.91 |
Capital Expenditures |
(1.16) | 1.01 | 2.83 | (0.70) | 11.67 | 5.76 | (3.11) | (2.53) | (1.58) | (1.08) |
Net Current Asset Value |
(35.88) | (32.47) | (22.25) | 9.07 | 96.38 | 81.62 | 67.41 | 77.91 | 81.94 | 54.39 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.00 | (0.02) | 0.00 | (0.04) | (0.02) | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
8.83 | 10.39 | 25.71 | 15.65 | 5.63 | 4.26 | 10.41 | 11.39 | 10.69 | 12.12 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.14 | 0.11 | 0.18 | 0.19 | 0.27 | (0.33) | 0.17 | 0.18 | 0.21 | 0.25 |
Cash ROIC |
2.76% | 5.95% | (2.50%) | 25.62% | 11.94% | (8.64%) | (4.55%) | 4.23% | 12.46% | (2.98%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.04 | 0.05 | 0.04 | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
8,835.59 | 7,408.39 | 8,870.20 | 32,927.50 | 31,332.54 | 17,310.18 | 14,149.66 | 19,415.60 | 21,580.11 | 17,077.42 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,398.58 | 1,275.26 | 1,194.82 | 1,216.20 | 1,209.13 | 1,126.32 | 1,053.14 | 1,002.94 | 958.40 | 921.39 |
Average Assets |
2,234.56 | 2,211.50 | 2,122.53 | 2,123.77 | 2,200.22 | 2,090.47 | 1,955.86 | 1,860.89 | 1,798.51 | 1,776.67 |
Average Common Equity |
344.26 | 341.60 | 357.27 | 401.63 | 422.95 | 403.40 | 396.68 | 405.89 | 411.40 | 401.31 |
Columns are period end dates