WSBF Waterstone Financial Inc

Price (delayed)

$12.7

Market cap

$249.48M

P/E Ratio

23.96

Dividend/share

$0.65

EPS

$0.53

Enterprise value

$837.92M

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 P/E is 82% above the 5-year quarterly average of 13.2 but 3% below the last 4 quarters average of 24.7
WSBF's net income is down by 37% year-on-year but it is up by 9% since the previous quarter
Waterstone Financial's debt has increased by 26% YoY and by 3.8% from the previous quarter
Waterstone Financial's revenue has decreased by 14% YoY

Key stats

What are the main financial stats of WSBF
Market
Shares outstanding
19.64M
Market cap
$249.48M
Enterprise value
$837.92M
Valuations
Price to earnings (P/E)
23.96
Price to book (P/B)
0.75
Price to sales (P/S)
1.84
EV/EBIT
64.37
EV/EBITDA
52.4
EV/Sales
6.39
Earnings
Revenue
$131.17M
EBIT
$13.02M
EBITDA
$15.99M
Free cash flow
-$7.17M
Per share
EPS
$0.53
Free cash flow per share
-$0.38
Book value per share
$16.86
Revenue per share
$6.9
TBVPS
$117.49
Balance sheet
Total assets
$2.23B
Total liabilities
$1.9B
Debt
$634.16M
Equity
$338M
Working capital
N/A
Liquidity
Debt to equity
1.88
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
36.8
Margins
EBITDA margin
12.2%
Gross margin
100%
Net margin
7.8%
Operating margin
9.9%
Efficiency
Return on assets
0.5%
Return on equity
3%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
9.9%
Dividend
Dividend yield
5.12%
DPS
$0.65
Payout ratio
122.6%

WSBF stock price

How has the Waterstone Financial stock price performed over time
Intraday
0.32%
1 week
1.68%
1 month
9.58%
1 year
-6%
YTD
-10.56%
QTD
4.35%

Financial performance

How have Waterstone Financial's revenue and profit performed over time
Revenue
$131.17M
Gross profit
$131.17M
Operating income
$13.02M
Net income
$10.26M
Gross margin
100%
Net margin
7.8%
WSBF's net income is down by 37% year-on-year but it is up by 9% since the previous quarter
Waterstone Financial's operating income has decreased by 36% YoY but it has increased by 18% from the previous quarter
Waterstone Financial's net margin has decreased by 28% YoY but it has increased by 8% from the previous quarter
The operating margin fell by 27% YoY but it rose by 18% QoQ

Growth

What is Waterstone Financial's growth rate over time

Valuation

What is Waterstone Financial stock price valuation
P/E
23.96
P/B
0.75
P/S
1.84
EV/EBIT
64.37
EV/EBITDA
52.4
EV/Sales
6.39
The P/E is 82% above the 5-year quarterly average of 13.2 but 3% below the last 4 quarters average of 24.7
The company's EPS fell by 30% YoY but it rose by 13% QoQ
WSBF's price to book (P/B) is 25% lower than its 5-year quarterly average of 1.0 and 6% lower than its last 4 quarters average of 0.8
The equity has declined by 8% year-on-year
Waterstone Financial's revenue has decreased by 14% YoY
WSBF's P/S is 3.2% below its 5-year quarterly average of 1.9 and 3.2% below its last 4 quarters average of 1.9

Efficiency

How efficient is Waterstone Financial business performance
The ROIC has contracted by 44% YoY but it has grown by 25% from the previous quarter
Waterstone Financial's return on assets has decreased by 38% YoY but it has increased by 25% QoQ
WSBF's return on equity is down by 32% year-on-year but it is up by 11% since the previous quarter
The company's return on sales fell by 27% YoY but it rose by 18% QoQ

Dividends

What is WSBF's dividend history
DPS
$0.65
Dividend yield
5.12%
Payout ratio
122.6%
Recent dividends

Financial health

How did Waterstone Financial financials performed over time
The total assets is 18% more than the total liabilities
The total liabilities rose by 8% YoY
The total assets has grown by 6% YoY
Waterstone Financial's debt is 88% more than its equity
WSBF's debt to equity is up by 37% year-on-year and by 6% since the previous quarter
Waterstone Financial's debt has increased by 26% YoY and by 3.8% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.