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Price (delayed)
$13.48
Market cap
$261.15M
P/E Ratio
18.22
Dividend/share
$0.6
EPS
$0.74
Enterprise value
$779.87M
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 45% YoY and by 16% QoQ
WSBF's net income is up by 30% year-on-year and by 12% since the previous quarter
The P/E is 33% above the 5-year quarterly average of 13.7 but 22% below the last 4 quarters average of 23.3
Key stats
What are the main financial stats of WSBF
Market
Valuations
Earnings
Shares outstanding
19.37M
Market cap
$261.15M
Enterprise value
$779.87M
Price to earnings (P/E)
18.22
Price to book (P/B)
0.77
Price to sales (P/S)
1.86
EV/EBIT
45.34
EV/EBITDA
38.77
EV/Sales
5.85
Revenue
$133.23M
Gross profit
$133.23M
Net income
$13.44M
EBIT
$17.2M
EBITDA
$20.12M
Free cash flow
$22.47M
Per share
Balance sheet
Liquidity
EPS
$0.74
EPS diluted
$0.73
Free cash flow per share
$1.22
Book value per share
$17.58
Revenue per share
$7.26
TBVPS
$122.31
Total assets
$2.24B
Total liabilities
$1.9B
Debt
$560.13M
Equity
$342M
Working capital
N/A
Debt to equity
1.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
25.79
Margins
Efficiency
Dividend
EBITDA margin
15.1%
Gross margin
100%
Net margin
10.1%
Operating margin
12.9%
Return on assets
0.6%
Return on equity
4%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
12.9%
Dividend yield
4.45%
DPS
$0.6
Payout ratio
81.1%
WSBF stock price
How has the Waterstone Financial stock price performed over time
Intraday
-3.44%
1 week
-8.92%
1 month
-11.61%
1 year
-3.37%
YTD
-5.07%
QTD
-8.3%
Financial performance
How have Waterstone Financial's revenue and profit performed over time
Revenue
$133.23M
Gross profit
$133.23M
Operating income
$17.2M
Net income
$13.44M
Gross margin
100%
Net margin
10.1%
The operating margin rose by 40% YoY and by 13% QoQ
Waterstone Financial's operating income has increased by 40% YoY and by 14% from the previous quarter
Waterstone Financial's net margin has increased by 31% YoY and by 12% from the previous quarter
WSBF's net income is up by 30% year-on-year and by 12% since the previous quarter
Growth
What is Waterstone Financial's growth rate over time
Valuation
What is Waterstone Financial stock price valuation
P/E
18.22
P/B
0.77
P/S
1.86
EV/EBIT
45.34
EV/EBITDA
38.77
EV/Sales
5.85
The company's EPS rose by 45% YoY and by 16% QoQ
The P/E is 33% above the 5-year quarterly average of 13.7 but 22% below the last 4 quarters average of 23.3
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
The equity has grown by 2.1% since the previous quarter
WSBF's P/S is 2.1% below its 5-year quarterly average of 1.9 and 2.1% below its last 4 quarters average of 1.9
Efficiency
How efficient is Waterstone Financial business performance
The company's return on sales rose by 40% YoY and by 13% QoQ
WSBF's return on equity is up by 38% year-on-year and by 14% since the previous quarter
The ROIC has grown by 20% from the previous quarter and by 20% YoY
Waterstone Financial's return on assets has increased by 20% QoQ and by 20% YoY
Dividends
What is WSBF's dividend history
DPS
$0.6
Dividend yield
4.45%
Payout ratio
81.1%
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
The total liabilities fell by 2.7% QoQ
Waterstone Financial's debt is 64% more than its equity
WSBF's debt to equity is down by 17% since the previous quarter and by 3.5% year-on-year
Waterstone Financial's debt has decreased by 15% from the previous quarter and by 4.7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.