Waterstone Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Waterstone Financial
WSBF Stock  USD 16.80  0.28  1.69%   
Waterstone Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Waterstone Financial's valuation are provided below:
Gross Profit
137.1 M
Profit Margin
0.1744
Market Capitalization
285.9 M
Enterprise Value Revenue
5.7618
Revenue
137.1 M
There are over one hundred nineteen available fundamental gauges for Waterstone Financial, which can be analyzed over time and compared to other ratios. Active traders should verify all of Waterstone Financial prevalent fundamental drivers against the trend between 2010 and 2026 to make sure the company can sustain itself down the road. The current Market Cap is estimated to decrease to about 338.8 M. Enterprise Value is estimated to decrease to about 486.9 M

Waterstone Financial Total Revenue

148.87 Million

Check Waterstone Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Waterstone Financial's main balance sheet or income statement drivers, such as Interest Expense of 63.3 M, Total Revenue of 148.9 M or Gross Profit of 111.2 M, as well as many indicators such as Price To Sales Ratio of 1.37, Dividend Yield of 0.0374 or PTB Ratio of 0.8. Waterstone financial statements analysis is a perfect complement when working with Waterstone Financial Valuation or Volatility modules.
  
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Check out the analysis of Waterstone Financial Correlation against competitors.
For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.

Waterstone Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.9 B2.5 B1.9 B
Slightly volatile
Total Current Liabilities1.2 B1.9 B1.1 B
Slightly volatile
Total Stockholder Equity294.6 M390 M336.4 M
Slightly volatile
Cash81.2 M40.8 M97 M
Pretty Stable
Non Current Assets Total1.5 B2.3 B1.5 B
Slightly volatile
Other Assets310.4 M326.8 M1.2 B
Pretty Stable
Cash And Short Term Investments206.9 M219.9 M282.9 M
Pretty Stable
Common Stock Shares Outstanding24.9 M16.7 M27.2 M
Slightly volatile
Liabilities And Stockholders Equity1.9 B2.5 B1.9 B
Slightly volatile
Non Current Liabilities Total316.3 M192.7 M351.8 M
Very volatile
Other Stockholder Equity134.8 M92.6 M147.3 M
Very volatile
Total Liabilities1.6 B2.2 B1.5 B
Slightly volatile
Total Current Assets224.4 M219.9 M303.9 M
Pretty Stable
Other Liabilities43.1 M66.2 M46.5 M
Slightly volatile
Retained Earnings188.8 M318.8 M201.7 M
Slightly volatile
Accounts Payable1.2 B1.4 B1.1 B
Slightly volatile
Long Term Debt163.9 M172.5 M322.6 M
Pretty Stable
Short Term Investments148.8 M179.1 M188.5 M
Very volatile
Property Plant Equipment24 M19 M28.9 M
Slightly volatile
Short and Long Term Debt Total443.6 M513.5 M427.4 M
Slightly volatile
Property Plant And Equipment Net20.1 M17.5 M22.8 M
Slightly volatile
Other Current Assets43.6 M42.2 M46.3 M
Pretty Stable
Property Plant And Equipment Gross34.4 M62.3 M34.3 M
Slightly volatile
Short Term Debt358 M341 M125.6 M
Slightly volatile
Net Receivables1.2 B1.9 B1.2 B
Slightly volatile
Common Stock Total Equity254.5 K225.9 K286.9 K
Slightly volatile
Common Stock238.2 K173.7 K274.8 K
Slightly volatile
Net Tangible Assets404.4 M426.1 M366.6 M
Slightly volatile
Retained Earnings Total Equity130.9 M157 M133.3 M
Slightly volatile
Long Term Debt Total347.2 M390.6 M426.3 M
Slightly volatile
Capital Surpluse271.9 M243.8 M238.3 M
Pretty Stable
Long Term Investments296.8 M187.7 M403.9 M
Slightly volatile
Non Current Liabilities Other40.2 M44.9 M38.9 M
Slightly volatile
Short and Long Term Debt140.2 M264.2 M222.2 M
Slightly volatile
Earning Assets407.7 M462 M514 M
Slightly volatile
Net Invested Capital665.1 M704.4 M795.9 M
Pretty Stable
Capital Stock191.2 K173.7 K254 K
Slightly volatile

Waterstone Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense63.3 M60.3 M32.6 M
Slightly volatile
Total Revenue148.9 M229.3 M178.5 M
Slightly volatile
Gross Profit111.2 M152.4 M147 M
Slightly volatile
Other Operating Expenses131.5 M201.7 M148.1 M
Slightly volatile
Cost Of Revenue34.8 M60.1 M33.3 M
Pretty Stable
Total Operating Expenses90.5 M124.8 M116.4 M
Slightly volatile
Selling General Administrative71.1 M93.2 M85.5 M
Slightly volatile
Depreciation And Amortization3.5 M2.8 M3.5 M
Slightly volatile
Selling And Marketing Expenses3 M4.1 M3.2 M
Slightly volatile
Tax Provision4.5 M4.8 M10.7 M
Pretty Stable
Net Interest Income55.6 M53.1 M47.6 M
Slightly volatile
Interest Income84.8 M130.1 M76.2 M
Slightly volatile
Reconciled Depreciation3.9 M2.8 M3 M
Slightly volatile

Waterstone Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
End Period Cash Flow43.4 M45.7 M107.2 M
Pretty Stable
Begin Period Cash Flow39.8 M41.9 M108.9 M
Pretty Stable
Depreciation3.4 M2.8 M3.4 M
Slightly volatile
Change Receivables356.9 K703.8 K534.8 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.371.442.2517
Slightly volatile
Dividend Yield0.03740.04070.0375
Slightly volatile
PTB Ratio0.80.851.2105
Slightly volatile
Days Sales Outstanding8.249.2710.121
Slightly volatile
Book Value Per Share9.3416.4512.9209
Slightly volatile
Stock Based Compensation To Revenue0.00170.00180.0083
Slightly volatile
Capex To Depreciation0.490.510.7067
Slightly volatile
PB Ratio0.80.851.2105
Slightly volatile
EV To Sales6.083.814.1904
Pretty Stable
Sales General And Administrative To Revenue0.310.370.453
Very volatile
Capex To Revenue0.0060.00630.0181
Slightly volatile
Cash Per Share5.449.2810.3277
Pretty Stable
Payout Ratio0.60.540.646
Slightly volatile
Intangibles To Total Assets4.0E-44.0E-40.002
Slightly volatile
Current Ratio0.150.10.2554
Slightly volatile
Tangible Book Value Per Share9.3216.4112.8823
Slightly volatile
Receivables Turnover28.3431.8834.8008
Slightly volatile
Graham Number10.5318.3216.8289
Slightly volatile
Shareholders Equity Per Share17.2716.4513.3873
Slightly volatile
Debt To Equity1.711.511.3805
Pretty Stable
Capex Per Share0.09020.06810.0743
Pretty Stable
Revenue Per Share10.159.677.3168
Slightly volatile
Interest Debt Per Share26.1524.9118.0127
Slightly volatile
Debt To Assets0.180.20210.2153
Pretty Stable
Operating Cycle8.249.2710.121
Slightly volatile
Price Book Value Ratio0.80.851.2105
Slightly volatile
Dividend Payout Ratio0.60.540.646
Slightly volatile
Company Equity Multiplier8.287.496.459
Slightly volatile
Long Term Debt To Capitalization0.550.350.4621
Slightly volatile
Total Debt To Capitalization0.630.650.5605
Very volatile
Debt Equity Ratio1.711.511.3805
Pretty Stable
Quick Ratio0.150.10.2554
Slightly volatile
Net Income Per E B T0.640.70.7756
Pretty Stable
Cash Ratio0.01830.01930.078
Pretty Stable
Cash Conversion Cycle8.249.2710.121
Slightly volatile
Days Of Sales Outstanding8.249.2710.121
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.61.121.0863
Pretty Stable
Price To Book Ratio0.80.851.2105
Slightly volatile
Fixed Asset Turnover5.069.257.6337
Slightly volatile
Debt Ratio0.180.20210.2153
Pretty Stable
Price Sales Ratio1.371.442.2517
Slightly volatile
Asset Turnover0.06130.08120.0912
Pretty Stable
Gross Profit Margin0.450.60.7447
Pretty Stable
Price Fair Value0.80.851.2105
Slightly volatile

Waterstone Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap338.8 M339.6 M424.9 M
Slightly volatile
Enterprise Value486.9 M786.7 M814.9 M
Very volatile

Waterstone Fundamental Market Drivers

Waterstone Upcoming Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Waterstone Financial Financial Statements

Waterstone Financial stakeholders use historical fundamental indicators, such as Waterstone Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Waterstone Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Waterstone Financial's assets and liabilities are reflected in the revenues and expenses on Waterstone Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Waterstone Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue229.3 M148.9 M
Cost Of Revenue60.1 M34.8 M
Sales General And Administrative To Revenue 0.37  0.31 
Capex To Revenue 0.01  0.01 
Revenue Per Share 9.67  10.15 
Ebit Per Revenue 0.14  0.19 

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When determining whether Waterstone Financial is a strong investment it is important to analyze Waterstone Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Waterstone Financial's future performance. For an informed investment choice regarding Waterstone Stock, refer to the following important reports:
How To Invest In Waterstone
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Is Waterstone Stock a good investment?
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What is Waterstone Financial's Net Worth?
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Check out the analysis of Waterstone Financial Correlation against competitors.
For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.
You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Waterstone Financial. If investors know Waterstone will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Waterstone Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.744
Dividend Share
0.6
Earnings Share
1.33
Revenue Per Share
7.592
Quarterly Revenue Growth
0.083
The market value of Waterstone Financial is measured differently than its book value, which is the value of Waterstone that is recorded on the company's balance sheet. Investors also form their own opinion of Waterstone Financial's value that differs from its market value or its book value, called intrinsic value, which is Waterstone Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Waterstone Financial's market value can be influenced by many factors that don't directly affect Waterstone Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between Waterstone Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Waterstone Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Waterstone Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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