Waterstone Financial Company Top Insiders

WSBF Stock  USD 16.80  0.28  1.69%   
Waterstone Financial's insiders are aggressively selling. The analysis of insider sentiment suggests that almost all Waterstone Financial insiders are, at present, panicking. Waterstone Financial employs about 600 people. The company is managed by 9 executives with a total tenure of roughly 30 years, averaging almost 3.0 years of service per executive, having 66.67 employees per reported executive.
Douglas Gordon  CEO
CEO and President Director, CEO of Waterstone Bank and President of Waterstone Bank
Mark Gerke  President
Principal Accounting Officer, Vice President Controller

Insider Sentiment 0

 Mostly Selling

 
Selling
 
Buying

Latest Trades

2025-08-13Michael L HansenDisposed 109527 @ 14.05View
2025-08-12Michael L HansenDisposed 35290 @ 13.92View
2025-08-11Michael L HansenDisposed 2757 @ 13.8View
2025-07-25Michael L HansenDisposed 961 @ 13.81View
2025-07-24Michael L HansenDisposed 36465 @ 13.83View
2025-02-28Patrick S LawtonDisposed 37500 @ 14.03View
2025-02-11Stephen J SchmidtDisposed 6211 @ 13.79View
2025-02-06Stephen J SchmidtDisposed 3097 @ 13.75View
2025-02-04Stephen J SchmidtDisposed 2195 @ 13.76View
2025-01-31Stephen J SchmidtDisposed 14928 @ 13.8View
2024-12-11Stephen J SchmidtDisposed 478 @ 15.12View
2024-11-27Stephen J SchmidtDisposed 259 @ 15.28View
2024-11-25Stephen J SchmidtDisposed 2194 @ 15.78View
2024-11-22Stephen J SchmidtDisposed 7280 @ 15.34View
2024-11-20Stephen J SchmidtDisposed 437 @ 15.25View
2024-11-12Stephen J SchmidtDisposed 2687 @ 15.8View
2024-11-07Stephen J SchmidtDisposed 4209 @ 16.04View
Monitoring Waterstone Financial's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Waterstone Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.

Waterstone Financial's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Waterstone Financial's future performance. Based on our forecasts, it is anticipated that Waterstone will maintain a workforce of roughly 850 employees by February 2026.
 
Yuan Drop
 
Covid

Waterstone Financial Management Team Effectiveness

The company has return on total asset (ROA) of 0.0106 % which means that it generated a profit of $0.0106 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0695 %, meaning that it created $0.0695 on every $100 dollars invested by stockholders. Waterstone Financial's management efficiency ratios could be used to measure how well Waterstone Financial manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.03. At this time, Waterstone Financial's Other Current Assets are most likely to decrease significantly in the upcoming years.
The Waterstone Financial's current Common Stock Shares Outstanding is estimated to increase to about 24.9 M. The Waterstone Financial's current Net Income Applicable To Common Shares is estimated to increase to about 26 M
Waterstone Financial retains a total of 18.46 Million outstanding shares. 30% of Waterstone Financial outstanding shares are owned by institutional investors. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company shows, if the real value of the company is less than the current market value, you may not be able to make money on it.
 
Shares in Circulation  
First Issued
2004-09-30
Previous Quarter
18 M
Current Value
18 M
Avarage Shares Outstanding
29 M
Quarterly Volatility
5.8 M
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Some institutional investors establish a significant position in stocks such as Waterstone Financial in order to find ways to drive up its value. Retail investors, on the other hand, need to know that institutional holders can own millions of shares of Waterstone Financial, and when they decide to sell, the stock will often sell-off, which may instantly impact shareholders' value. So, traders who get in early or near the beginning of the institutional investor's buying cycle could potentially generate profits.

Waterstone Financial Workforce Comparison

Waterstone Financial is rated first in number of employees category among its peers. The total workforce of Financials industry is at this time estimated at about 3,499. Waterstone Financial retains roughly 600 in number of employees claiming about 17% of equities under Financials industry.

Waterstone Financial Profit Margins

The company has Profit Margin (PM) of 0.17 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.26 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.26.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.450.6
Way Down
Pretty Stable

Waterstone Financial Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Waterstone Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Waterstone Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Waterstone Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2025-03-01
0.5
13
26
 163,132 
 264,399 
2024-12-01
0.0613
13
212
 79,368 
 158,031 
2024-09-01
0.1458
7
48
 37,500 
 75,000 
2024-03-01
1.25
5
4
 12,012 
 5,058 
2021-12-01
0.0588
3
51
 20,781 
 66,562 
2021-06-01
0.0938
3
32
 30,000 
 60,000 
2021-03-01
0.0274
4
146
 92,500 
 191,000 
2020-12-01
0.2857
4
14
 62,215 
 326,599 
2020-09-01
0.3333
1
3
 62,500 
 284,068 
2020-03-01
0.0833
1
12
 3,292 
 56,693 
2018-12-01
0.05
1
20
 6.00 
 16,638 
2018-09-01
0.3125
5
16
 40,000 
 86,776 
2018-03-01
0.25
1
4
 7,843 
 26,289 
2017-12-01
0.1429
1
7
 6,000 
 12,000 
2017-06-01
0.3333
2
6
 42,795 
 129,564 
2017-03-01
0.2222
2
9
 26,659 
 41,195 
2016-12-01
0.8571
6
7
 260,748 
 191,336 
2016-09-01
0.0625
7
112
 446,233 
 874,533 
2016-06-01
0.2857
2
7
 30,000 
 4,018 
2016-03-01
0.2143
3
14
 20,848 
 81,864 
2015-06-01
0.75
3
4
 9,894 
 20,275 
2015-03-01
26.0
26
1
 1,543,514 
 16,641 
2014-06-01
0.75
6
8
 23,096 
 32,982 
2014-03-01
2.9286
41
14
 1,800,634 
 24,688 
2013-12-01
1.0
1
1
 2,915 
 2,341 
2012-03-01
4.0
4
1
 115,000 
 1,000.00 
2010-12-01
0.6
3
5
 54,797 
 5,000 
2008-12-01
3.0
3
1
 7,494 
 0.00 

Waterstone Financial Notable Stakeholders

A Waterstone Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Waterstone Financial often face trade-offs trying to please all of them. Waterstone Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Waterstone Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Douglas GordonCEO and President Director, CEO of Waterstone Bank and President of Waterstone BankProfile
William JDPresident CEOProfile
Mark GerkePrincipal Accounting Officer, Vice President ControllerProfile
Julie GlynnExecutive PresidentProfile
Jeffrey McGuinessPresident CorporationProfile
Ryan GordonExecutive PresidentProfile
Mark CPACFO VPProfile
William BrussCOO, Executive VP, General Counsel, Secretary, Executive VP of Waterstone Bank, General Counsel of Waterstone Bank and Secretary of Waterstone BankProfile
Kyle MertzControllerProfile
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About Waterstone Financial Management Performance

The success or failure of an entity such as Waterstone Financial often depends on how effective the management is. Waterstone Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Waterstone management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Waterstone management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.04  0.03 
Return On Assets 0.01  0.01 
Return On Equity 0.05  0.04 

Waterstone Financial Workforce Analysis

Traditionally, organizations such as Waterstone Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Waterstone Financial within its industry.

Waterstone Financial Manpower Efficiency

Return on Waterstone Financial Manpower

Revenue Per Employee332.3K
Revenue Per Executive22.2M
Net Income Per Employee31.1K
Net Income Per Executive2.1M

Complementary Tools for Waterstone Stock analysis

When running Waterstone Financial's price analysis, check to measure Waterstone Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Waterstone Financial is operating at the current time. Most of Waterstone Financial's value examination focuses on studying past and present price action to predict the probability of Waterstone Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Waterstone Financial's price. Additionally, you may evaluate how the addition of Waterstone Financial to your portfolios can decrease your overall portfolio volatility.
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