Waterstone Financial Stock Technical Analysis
| WSBF Stock | USD 17.68 0.67 3.65% |
As of the 25th of January, Waterstone Financial maintains the Mean Deviation of 1.05, market risk adjusted performance of 0.32, and Downside Deviation of 1.29. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Waterstone Financial, as well as the relationship between them. Please check out Waterstone Financial jensen alpha, potential upside, as well as the relationship between the Potential Upside and skewness to decide if Waterstone Financial is priced fairly, providing market reflects its latest price of 17.68 per share. Given that Waterstone Financial has jensen alpha of 0.2207, we strongly advise you to confirm Waterstone Financial's prevalent market performance to make sure the company can sustain itself at a future point.
Waterstone Financial Momentum Analysis
Momentum indicators are widely used technical indicators which help to measure the pace at which the price of specific equity, such as Waterstone, fluctuates. Many momentum indicators also complement each other and can be helpful when the market is rising or falling as compared to WaterstoneWaterstone | Build AI portfolio with Waterstone Stock |
Waterstone Financial Analyst Consensus
| Target Price | Advice | # of Analysts | |
| 12.5 | Hold | 1 | Odds |
Most Waterstone analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Waterstone stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Waterstone Financial, talking to its executives and customers, or listening to Waterstone conference calls.
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 | 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.
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.
Waterstone Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Waterstone Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Waterstone Financial.
| 10/27/2025 |
| 01/25/2026 |
If you would invest 0.00 in Waterstone Financial on October 27, 2025 and sell it all today you would earn a total of 0.00 from holding Waterstone Financial or generate 0.0% return on investment in Waterstone Financial over 90 days. Waterstone Financial is related to or competes with Plumas Bancorp, Citizens Northern, Colony Bankcorp, First Bancorp, BayCom Corp, FS Bancorp, and Isabella Bank. Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial se... More
Waterstone Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Waterstone Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Waterstone Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.29 | |||
| Information Ratio | 0.1508 | |||
| Maximum Drawdown | 6.43 | |||
| Value At Risk | (2.37) | |||
| Potential Upside | 2.59 |
Waterstone Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Waterstone Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Waterstone Financial's standard deviation. In reality, there are many statistical measures that can use Waterstone Financial historical prices to predict the future Waterstone Financial's volatility.| Risk Adjusted Performance | 0.1556 | |||
| Jensen Alpha | 0.2207 | |||
| Total Risk Alpha | 0.1502 | |||
| Sortino Ratio | 0.1663 | |||
| Treynor Ratio | 0.31 |
Waterstone Financial January 25, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1556 | |||
| Market Risk Adjusted Performance | 0.32 | |||
| Mean Deviation | 1.05 | |||
| Semi Deviation | 0.9365 | |||
| Downside Deviation | 1.29 | |||
| Coefficient Of Variation | 485.8 | |||
| Standard Deviation | 1.42 | |||
| Variance | 2.03 | |||
| Information Ratio | 0.1508 | |||
| Jensen Alpha | 0.2207 | |||
| Total Risk Alpha | 0.1502 | |||
| Sortino Ratio | 0.1663 | |||
| Treynor Ratio | 0.31 | |||
| Maximum Drawdown | 6.43 | |||
| Value At Risk | (2.37) | |||
| Potential Upside | 2.59 | |||
| Downside Variance | 1.67 | |||
| Semi Variance | 0.877 | |||
| Expected Short fall | (1.22) | |||
| Skewness | 0.2191 | |||
| Kurtosis | 1.38 |
Waterstone Financial Backtested Returns
Waterstone Financial appears to be very steady, given 3 months investment horizon. Waterstone Financial shows Sharpe Ratio of 0.18, which attests that the company had a 0.18 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Waterstone Financial, which you can use to evaluate the volatility of the company. Please utilize Waterstone Financial's Market Risk Adjusted Performance of 0.32, mean deviation of 1.05, and Downside Deviation of 1.29 to validate if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Waterstone Financial holds a performance score of 14. The firm maintains a market beta of 0.91, which attests to possible diversification benefits within a given portfolio. Waterstone Financial returns are very sensitive to returns on the market. As the market goes up or down, Waterstone Financial is expected to follow. Please check Waterstone Financial's skewness, and the relationship between the potential upside and rate of daily change , to make a quick decision on whether Waterstone Financial's historical returns will revert.
Auto-correlation | 0.79 |
Good predictability
Waterstone Financial has good predictability. Overlapping area represents the amount of predictability between Waterstone Financial time series from 27th of October 2025 to 11th of December 2025 and 11th of December 2025 to 25th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Waterstone Financial price movement. The serial correlation of 0.79 indicates that around 79.0% of current Waterstone Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.79 | |
| Spearman Rank Test | 0.46 | |
| Residual Average | 0.0 | |
| Price Variance | 0.32 |
Waterstone Financial technical stock analysis exercises models and trading practices based on price and volume transformations, such as the moving averages, relative strength index, regressions, price and return correlations, business cycles, stock market cycles, or different charting patterns.
Waterstone Financial Technical Analysis
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Average True Range was developed by J. Welles Wilder in 1970s. It is one of components of the Welles Wilder Directional Movement indicators. The ATR is a measure of Waterstone Financial volatility. High ATR values indicate high volatility, and low values indicate low volatility.
About Waterstone Financial Technical Analysis
The technical analysis module can be used to analyzes prices, returns, volume, basic money flow, and other market information and help investors to determine the real value of Waterstone Financial on a daily or weekly bases. We use both bottom-up as well as top-down valuation methodologies to arrive at the intrinsic value of Waterstone Financial based on its technical analysis. In general, a bottom-up approach, as applied to this company, focuses on Waterstone Financial price pattern first instead of the macroeconomic environment surrounding Waterstone Financial. By analyzing Waterstone Financial's financials, daily price indicators, and related drivers such as dividends, momentum ratios, and various types of growth rates, we attempt to find the most accurate representation of Waterstone Financial's intrinsic value. As compared to a bottom-up approach, our top-down model examines the macroeconomic factors that affect the industry/economy before zooming in to Waterstone Financial specific price patterns or momentum indicators. Please read more on our technical analysis page.
| 2023 | 2024 | 2025 | 2026 (projected) | Dividend Yield | 0.0537 | 0.0452 | 0.0407 | 0.0374 | Price To Sales Ratio | 1.62 | 1.25 | 1.44 | 1.37 |
Waterstone Financial January 25, 2026 Technical Indicators
Most technical analysis of Waterstone help investors determine whether a current trend will continue and, if not, when it will shift. We provide a combination of tools to recognize potential entry and exit points for Waterstone from various momentum indicators to cycle indicators. When you analyze Waterstone charts, please remember that the event formation may indicate an entry point for a short seller, and look at different other indicators across different periods to confirm that a breakdown or reversion is likely to occur.
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1556 | |||
| Market Risk Adjusted Performance | 0.32 | |||
| Mean Deviation | 1.05 | |||
| Semi Deviation | 0.9365 | |||
| Downside Deviation | 1.29 | |||
| Coefficient Of Variation | 485.8 | |||
| Standard Deviation | 1.42 | |||
| Variance | 2.03 | |||
| Information Ratio | 0.1508 | |||
| Jensen Alpha | 0.2207 | |||
| Total Risk Alpha | 0.1502 | |||
| Sortino Ratio | 0.1663 | |||
| Treynor Ratio | 0.31 | |||
| Maximum Drawdown | 6.43 | |||
| Value At Risk | (2.37) | |||
| Potential Upside | 2.59 | |||
| Downside Variance | 1.67 | |||
| Semi Variance | 0.877 | |||
| Expected Short fall | (1.22) | |||
| Skewness | 0.2191 | |||
| Kurtosis | 1.38 |
Waterstone Financial January 25, 2026 Daily Trend Indicators
Traders often use several different daily volumes and price technical indicators to supplement a more traditional technical analysis when analyzing securities such as Waterstone stock. With literally thousands of different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 0.05 | ||
| Daily Balance Of Power | (0.71) | ||
| Rate Of Daily Change | 0.96 | ||
| Day Median Price | 18.07 | ||
| Day Typical Price | 17.94 | ||
| Price Action Indicator | (0.73) | ||
| Market Facilitation Index | 0.94 |
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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