WSBF Waterstone Financial Inc
Price (delayed)
$13.42
Market cap
$259.27M
P/E Ratio
13.29
Dividend/share
$0.6
EPS
$1.01
Enterprise value
$666.03M
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 has surged by 115% YoY and by 36% QoQ
WSBF's net income has surged by 99% year-on-year and by 39% since the previous quarter
Key stats
What are the main financial stats of WSBF
Market
Valuations
Earnings
Shares outstanding
19.32M
Market cap
$259.27M
Enterprise value
$666.03M
Price to earnings (P/E)
13.29
Price to book (P/B)
0.77
Price to sales (P/S)
1.84
EV/EBIT
27.75
EV/EBITDA
25.16
EV/Sales
4.91
Revenue
$135.64M
Gross profit
$135.64M
Operating income
$24M
Net income
$18.69M
EBIT
$24M
EBITDA
$26.48M
Free cash flow
$46.96M
Per share
Balance sheet
Liquidity
EPS
$1.01
EPS diluted
$1.01
Free cash flow per share
$2.53
Book value per share
$17.51
Revenue per share
$7.31
TBVPS
$119.08
Total assets
$2.21B
Total liabilities
$1.87B
Debt
$446.52M
Equity
$339.14M
Working capital
N/A
Debt to equity
1.32
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
15.36
Margins
Efficiency
Dividend
EBITDA margin
19.5%
Gross margin
100%
Net margin
13.8%
Operating margin
17.7%
Return on assets
0.8%
Return on equity
5.5%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
17.7%
Dividend yield
4.47%
DPS
$0.6
Payout ratio
59.4%
WSBF stock price
How has the Waterstone Financial stock price performed over time
Intraday
-0.22%
1 week
0.22%
1 month
-4.62%
1 year
12.21%
YTD
-0.15%
QTD
-0.22%
Financial performance
How have Waterstone Financial's revenue and profit performed over time
Revenue
$135.64M
Gross profit
$135.64M
Operating income
$24M
Net income
$18.69M
Gross margin
100%
Net margin
13.8%
Waterstone Financial's operating income has soared by 118% YoY and by 40% from the previous quarter
The operating margin has soared by 111% YoY and by 37% QoQ
WSBF's net income has surged by 99% year-on-year and by 39% since the previous quarter
Waterstone Financial's net margin has soared by 92% YoY and by 37% from the previous quarter
Growth
What is Waterstone Financial's growth rate over time
Valuation
What is Waterstone Financial stock price valuation
P/E
13.29
P/B
0.77
P/S
1.84
EV/EBIT
27.75
EV/EBITDA
25.16
EV/Sales
4.91
The company's EPS has surged by 115% YoY and by 36% QoQ
The P/E is 30% below the last 4 quarters average of 19.0 and 4.4% below the 5-year quarterly average of 13.9
WSBF's price to book (P/B) is 23% lower than its 5-year quarterly average of 1.0 and 3.8% lower than its last 4 quarters average of 0.8
Waterstone Financial's revenue has increased by 3.7% YoY
WSBF's P/S is 3.2% below its last 4 quarters average of 1.9 but 2.2% above its 5-year quarterly average of 1.8
Efficiency
How efficient is Waterstone Financial business performance
The ROIC has soared by 125% YoY and by 50% from the previous quarter
The company's return on sales has surged by 111% YoY and by 37% QoQ
WSBF's return on equity has surged by 104% year-on-year and by 38% since the previous quarter
Waterstone Financial's return on assets has surged by 100% YoY and by 33% QoQ
Dividends
What is WSBF's dividend history
DPS
$0.6
Dividend yield
4.47%
Payout ratio
59.4%
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 18% more than the total liabilities
Waterstone Financial's debt is 32% more than its equity
Waterstone Financial's debt has decreased by 27% YoY and by 20% from the previous quarter
WSBF's debt to equity is down by 26% year-on-year and by 20% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.