WSBF
Waterstone Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: WSBF
- PE Ratio
As at Jun 23, 2026, the WSBF stock has a PE ratio of 11.66. This is based on the current EPS of $1.67 and the stock price of $19.48 per share. An increase of 2.2% has been seen in the P/E ratio compared to the average of 11.4 of the last 4 quarters.
WSBF PE ratio history
The mean historical PE ratio of Waterstone Financial over the last ten years is 14.72. The current 11.66 PE ratio is 21% below the historical average. Over the past ten years, WSBF's PE ratio was at its highest in the Dec 2023 quarter at 30.21, with a price of $14.2 and an EPS of $0.47. The Jun 2021 quarter recorded the bottom point at 5.05, with a price of $19.66 and an EPS of $3.89.
Waterstone Financial PE ratio by year
Maximum annual increase: 237.59% in 2013
Maximum annual decrease: -58.88% in 2020
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.18 | -16% | $16.55 | $1.48 |
| 2024 | 13.31 | -55.94% | $13.44 | $1.01 |
| 2023 | 30.21 | 55.96% | $14.2 | $0.47 |
| 2022 | 19.37 | 163.9% | $17.24 | $0.89 |
| 2021 | 7.34 | 29.45% | $21.86 | $2.98 |
| 2020 | 5.67 | -58.88% | $18.82 | $3.32 |
| 2019 | 13.79 | -7.82% | $19.03 | $1.38 |
| 2018 | 14.96 | -16.66% | $16.76 | $1.12 |
| 2017 | 17.95 | -8.28% | $17.05 | $0.95 |
| 2016 | 19.57 | -20.9% | $18.4 | $0.94 |
| 2015 | 24.74 | -28.52% | $14.1 | $0.57 |
| 2014 | 34.61 | 47.09% | $13.15 | $0.38 |
| 2013 | 23.53 | 237.59% | $10.12 | $0.43 |
| 2012 | 6.97 | N/A | $7.11 | $1.02 |
| 2011 | N/A | N/A | $1.72 | -$0.22 |
Waterstone Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 10.8 | -3.4% | $18.03 | $1.67 |
| Dec 2025 | 11.18 | -3.95% | $16.55 | $1.48 |
| Sep 2025 | 11.64 | -3.08% | $15.6 | $1.34 |
| Jun 2025 | 12.01 | -8.04% | $13.81 | $1.15 |
| Mar 2025 | 13.06 | -1.88% | $13.45 | $1.03 |
| Dec 2024 | 13.31 | -32.98% | $13.44 | $1.01 |
| Sep 2024 | 19.86 | -0.6% | $14.7 | $0.74 |
| Jun 2024 | 19.98 | -12.98% | $12.79 | $0.64 |
| Mar 2024 | 22.96 | -24% | $12.17 | $0.53 |
| Dec 2023 | 30.21 | 40.71% | $14.2 | $0.47 |
| Sep 2023 | 21.47 | -11.1% | $10.95 | $0.51 |
| Jun 2023 | 24.15 | 21.3% | $14.49 | $0.6 |
| Mar 2023 | 19.91 | 2.79% | $15.13 | $0.76 |
| Dec 2022 | 19.37 | 64.15% | $17.24 | $0.89 |
| Sep 2022 | 11.8 | 32.88% | $16.16 | $1.37 |
WSBF Price vs fair value
WSBF average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of WSBF is below the 3, 5 and 10-year averages.
PE comparison
Waterstone Financial's P/E of 11.66 is below the Financial Services sector and the industry average. Compared to its Financial Services sector average of 12.95, Waterstone Financial's P/E is 10% lower.
WSBF PE vs peers
Compared to its peer MCHB, WSBF's PE ratio stands lower, however it is higher than SSB's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| SSB SOUTH STATE Corp | 10.6 | $9.65B |
| WSBF Waterstone Financial Inc | 11.66 | $351.67M |
| MCHB Mechanics Bancorp. | 19.88 | $3.37B |
Frequently asked questions
What is Waterstone Financial's PE ratio?
WSBF's price to earnings ratio is 11.66 as of Jun 23, 2026.
What is the 3-year average PE ratio for Waterstone Financial (WSBF)?
The 3-year average PE ratio for WSBF stock is 17.55.
What is the 5-year average PE ratio for Waterstone Financial (WSBF)?
The 5-year average PE ratio for WSBF stock is 14.85.
What is the highest PE ratio for WSBF?
Over the last ten years, the quarterly PE ratio reached a historic high of 30.21 in the Dec 2023 quarter.
How does the current PE ratio for WSBF compare to its historical average?
WSBF's current price to earnings ratio is 21% below its 10-year historical average.
How is WSBF's PE ratio calculated (Waterstone Financial PE ratio formula)?
To determine the PE ratio, divide the most recent stock price by the TTM earnings per share (EPS). As of today (Jun 23, 2026), Waterstone Financial's stock price is $19.48. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.67. Therefore, Waterstone Financial's P/E ratio for today is 11.66. PE RATIO(11.66) = STOCK PRICE($19.48) / TTM EPS($1.67)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.