Price (delayed)
$14.55
Market cap
$283.1M
P/E Ratio
22.73
Dividend/share
$0.6
EPS
$0.64
Enterprise value
$902.61M
Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank. WaterStone Bank was established in 1921 and offers a full suite of personal and business banking products.
Highlights
The company's EPS rose by 21% QoQ and by 7% YoY
The P/E is 70% above the 5-year quarterly average of 13.4 but 4.1% below the last 4 quarters average of 23.7
WSBF's net income is up by 17% since the previous quarter but it is down by 3.3% year-on-year
Waterstone Financial's revenue has decreased by 7% YoY
WSBF's gross profit is down by 7% year-on-year
Key stats
What are the main financial stats of WSBF
Market
Valuations
Earnings
Shares outstanding
19.46M
Market cap
$283.1M
Enterprise value
$902.61M
Price to earnings (P/E)
22.73
Price to book (P/B)
0.85
Price to sales (P/S)
2.03
EV/EBIT
59.9
EV/EBITDA
50.33
EV/Sales
6.81
Revenue
$132.56M
EBIT
$15.07M
EBITDA
$17.94M
Free cash flow
-$6.67M
Per share
Balance sheet
Liquidity
EPS
$0.64
Free cash flow per share
-$0.36
Book value per share
$17.05
Revenue per share
$7.16
TBVPS
$123.6
Total assets
$2.29B
Total liabilities
$1.95B
Debt
$660.82M
Equity
$334.95M
Working capital
N/A
Debt to equity
1.97
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
34.54
Margins
Efficiency
Dividend
EBITDA margin
13.5%
Gross margin
100%
Net margin
9%
Operating margin
11.4%
Return on assets
0.5%
Return on equity
3.5%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
11.4%
Dividend yield
4.12%
DPS
$0.6
Payout ratio
93.8%
WSBF stock price
How has the Waterstone Financial stock price performed over time
Intraday
0.34%
1 week
-1.42%
1 month
6.13%
1 year
18.87%
YTD
2.46%
QTD
13.76%
Financial performance
How have Waterstone Financial's revenue and profit performed over time
Revenue
$132.56M
Gross profit
$132.56M
Operating income
$15.07M
Net income
$11.96M
Gross margin
100%
Net margin
9%
WSBF's net income is up by 17% since the previous quarter but it is down by 3.3% year-on-year
Waterstone Financial's operating income has increased by 16% from the previous quarter
Waterstone Financial's net margin has increased by 15% from the previous quarter and by 3.4% YoY
The operating margin rose by 15% QoQ and by 7% YoY
Growth
What is Waterstone Financial's growth rate over time
Valuation
What is Waterstone Financial stock price valuation
P/E
22.73
P/B
0.85
P/S
2.03
EV/EBIT
59.9
EV/EBITDA
50.33
EV/Sales
6.81
The P/E is 70% above the 5-year quarterly average of 13.4 but 4.1% below the last 4 quarters average of 23.7
The company's EPS rose by 21% QoQ and by 7% YoY
WSBF's price to book (P/B) is 21% higher than its last 4 quarters average of 0.7 but 15% lower than its 5-year quarterly average of 1.0
The equity has declined by 6% year-on-year
WSBF's P/S is 13% above its last 4 quarters average of 1.8 and 7% above its 5-year quarterly average of 1.9
Waterstone Financial's revenue has decreased by 7% YoY
Efficiency
How efficient is Waterstone Financial business performance
Waterstone Financial's return on assets has decreased by 17% YoY
WSBF's return on equity is up by 17% since the previous quarter and by 2.9% year-on-year
The ROIC has contracted by 17% YoY
The company's return on sales rose by 15% QoQ and by 7% YoY
Dividends
What is WSBF's dividend history
DPS
$0.6
Dividend yield
4.12%
Payout ratio
93.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Waterstone Financial financials performed over time
The total assets is 17% more than the total liabilities
The total liabilities rose by 4.3% YoY and by 3.1% QoQ
The total assets has grown by 2.7% YoY and by 2.5% from the previous quarter
Waterstone Financial's debt is 97% more than its equity
WSBF's debt to equity is up by 14% year-on-year and by 4.8% since the previous quarter
Waterstone Financial's debt has increased by 7% YoY and by 4.2% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.