Waterstone Financial, Inc. (WSBF)

US — Financial Services Sector

Peers: BSBK BSRR CHMG FNLC ISTR NFBK THFF WSFS WTBA

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Key Metrics & Ratings

symbol WSBF
Rev/Share 10.8717
Book/Share 18.9833
PB 0.7428
Debt/Equity 1.3638
CurrentRatio 0.0
ROIC 0.0

MktCap 268964550.0
FreeCF/Share 4.6567
PFCF 3.2108
PE 12.2528
Debt/Assets 0.2064
DivYield 0.0426
ROE 0.0607

Rating B
Score 3
Recommendation Neutral
P/E Score 3
DCF Score 1
P/B Score 4
D/E Score 2

Recent Analyst Ratings

Type	Ticker	Analyst Firm	Previous Rating	Current Rating	Previous Price Target	Current Price Target	Date
No ratings available.

News

Zacks Initiates Coverage of Waterstone Financial With Neutral Recommendation

WSBF
Published: July 16, 2025 by: Zacks Investment Research
Sentiment: Neutral

Find out why Zacks has assigned Waterstone Financial a "Neutral", being the first on Wall Street to initiate coverage on the stock. Explore how strong capital levels, steady dividends, and banking stability are balanced by mortgage headwinds and regional concentration risks.

image for news Zacks Initiates Coverage of Waterstone Financial With Neutral Recommendation

Waterstone Financial Outperforms The Regional Banking Sector

WSBF
Published: June 23, 2025 by: Seeking Alpha
Sentiment: Positive

Waterstone Financial is a small regional bank involved in community banking and mortgage lending. WSBF has been buying back shares which has increased book value. Over the past 10 years, the stock has outperformed the regional banking sector.

image for news Waterstone Financial Outperforms The Regional Banking Sector

About Waterstone Financial, Inc. (WSBF)

IPO Date 2005-10-05
Website https://www.wsbonline.com
Industry Banks - Regional
CEO William F. Bruss
Employees 600

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. The company also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.