WSBF Waterstone Financial Inc
Price (delayed)
$12.11
Market cap
$233.96M
P/E Ratio
11.99
Dividend/share
$0.6
EPS
$1.01
Enterprise value
$640.72M
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
$233.96M
Enterprise value
$640.72M
Price to earnings (P/E)
11.99
Price to book (P/B)
0.69
Price to sales (P/S)
1.66
EV/EBIT
26.69
EV/EBITDA
24.2
EV/Sales
4.72
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
4.95%
DPS
$0.6
Payout ratio
59.4%
WSBF stock price
How has the Waterstone Financial stock price performed over time
Intraday
-0.57%
1 week
1.59%
1 month
-10.03%
1 year
4.49%
YTD
-9.9%
QTD
-9.96%
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
11.99
P/B
0.69
P/S
1.66
EV/EBIT
26.69
EV/EBITDA
24.2
EV/Sales
4.72
The company's EPS has surged by 115% YoY and by 36% QoQ
The P/E is 37% below the last 4 quarters average of 19.0 and 14% below the 5-year quarterly average of 13.9
WSBF's price to book (P/B) is 31% lower than its 5-year quarterly average of 1.0 and 14% lower than its last 4 quarters average of 0.8
WSBF's P/S is 13% below its last 4 quarters average of 1.9 and 8% below its 5-year quarterly average of 1.8
Waterstone Financial's revenue has increased by 3.7% YoY
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
4.95%
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.