Waterstone Financial Stock Analysis
| WSBF Stock | USD 18.56 0.17 0.92% |
WSBF is currently aligned with model with Market Value of 18.56 and Intrinsic Value of 18.29. Intrinsic value estimation for WSBF separates what the business produces from what the market assumes. A low earnings multiple combined with leverage that is elevated relative to financials peers creates a risk-reward dynamic for WSBF where debt sustainability is as important as valuation.
WSBF has $412.26 million in total debt, producing a debt-to-equity ratio of 3.5 relative to financials peers — debt reduction depends on sustained free cash flow generation, particularly given the impact of non-cash charges on reported earnings. Given Waterstone Financial's cash position, gross debt may overstate financial risk, making net debt a more relevant indicator of balance sheet positioning. Asset vs Debt
Equity vs Debt
Waterstone |
Investor Insights and Alerts
| About 19.0% of WSBF outstanding shares are owned by insiders | |
| On 1st of May 2026 Waterstone Financial paid $ 0.17 per share dividend to its current shareholders |
Market Capitalization
With a market cap of $324.81 million, Waterstone Financial screens as a small-cap company within financials. Associated fundamentals relevant to market cap include a workforce of about 593 people, about 18.15 million shares outstanding, and operating in the Financials industry.Profitability
A profitability review of Waterstone Financial connects sales quality and cost control with the ability to produce steady returns across market cycles. At small-cap scale, institutional coverage and secondary-market liquidity are typically well established. Return on assets, return on equity, and cash flow deserve as much focus as earnings per share. WSBF has Profit Margin (PM) of 20.0%. Similarly, it shows Operating Margin (OM) of 21.0%.Technical Drivers
On the 7th of May, Waterstone Financial is quoted at 18.56 per share. Observed technical values include Mean Deviation of 0.9303, downside deviation of 1.18, and Market Risk Adjusted Performance of 0.0498. The framework analyzes price history and volume dynamics to measure short- and intermediate-term momentum. Indicator readings are benchmarked against comparable companies.Price Movement Analysis - Bollinger Bands
Incorrect Input. Please change your parameters or increase the time horizon required for running this function.Waterstone Financial Triple Exponential Moving Average indicator shows smoothing effect of Waterstone Financial price series composite of a single exponential moving average, a double exponential moving average and a triple exponential moving average.
Insider Trading Activities
Insider disclosures for Waterstone Financial show how people closest to the business are behaving as market expectations change. The goal is to tell routine pay-related sales apart from trades that reflect genuine conviction.
Outstanding Bonds
Waterstone Financial may use bonds as part of its capital structure to fund operations, refinance liabilities, or support acquisitions and other long-duration investments. At small-cap scale, institutional coverage and secondary-market liquidity are typically well established. Bond investors and equity investors often care about the same cash flows, but they rank the risks differently.
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Predictive Daily Indicators
For active positions in Waterstone Financial, intraday data shows when a move is gaining strength and when it is fading. They help with timing and trade management, but still need to match broader trend and volatility conditions.
Forecast Models
Forecast models for Waterstone Financial use past prices and returns to estimate how the stock may behave under similar conditions. The practical edge is not the forecast number itself, but knowing when the data is becoming less predictable.Debt to Cash Allocation
Tracking debt and cash allocation over time can show when Waterstone Financial is prioritizing expansion, refinancing, or capital return.
Total debt stands at approximately $412.26 million with Debt to Equity (D/E) ratio of 3.5. Waterstone Financial's use of debt should be considered alongside its cash position and equity base.Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Waterstone Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Waterstone Financial, which in turn will lower the firm's financial flexibility.Corporate Bonds Issued
Bond maturity for Waterstone Financial is a core risk dimension. Longer duration can offer higher yield, but price sensitivity and credit uncertainty also increase.
Stock Analysis Methodology
Waterstone Financial stock analysis checks balance sheet strength, earnings quality, and price momentum. Waterstone Financial shows ROE (TTM) of 8.52% and net margin (TTM) of 19.77%. Balance sheet indicators include debt-to-equity of 3.5.
Waterstone Financial values are built from periodic company reporting and market reference feeds, with reporting definitions aligned before display.
Editorial review and methodology oversight provided by: Vlad Skutelnik, Macroaxis Contributor
Be Your Own Money Manager
Investors considering Waterstone Financial as part of a broader investment plan should test whether the position improves portfolio quality without taking on avoidable risk. Asking how much value the position adds to the whole portfolio, not just what it might do on its own, improves allocation quality.
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