WSBF Waterstone Financial Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: WSBF

Price (delayed)

$11.09

Market cap

$222.39M

P/E Ratio

23.6

Dividend/share

$0.65

EPS

$0.47

Enterprise value

$797.02M

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 87% above the 5-year quarterly average of 12.6
Waterstone Financial's debt has soared by 58% YoY and by 3.9% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.wsbonline.com
Peers: HMST FFIC ESSA SSB

Key stats

What are the main financial stats of WSBF
Market
Shares outstanding
20.05M
Market cap
$222.39M
Enterprise value
$797.02M
Valuations
Price to earnings (P/E)
23.6
Price to book (P/B)
0.66
Price to sales (P/S)
1.71
EV/EBIT
72.25
EV/EBITDA
55.61
EV/Sales
6.1
Earnings
Revenue
$130.74M
EBIT
$11.03M
EBITDA
$14.33M
Free cash flow
-$28.28M
Per share
EPS
$0.47
Free cash flow per share
-$1.4
Book value per share
$16.72
Revenue per share
$6.49
TBVPS
$109.8
Balance sheet
Total assets
$2.21B
Total liabilities
$1.87B
Debt
$611.05M
Equity
$344.06M
Working capital
N/A
Liquidity
Debt to equity
1.78
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
40.09
Margins
EBITDA margin
11%
Gross margin
100%
Net margin
7.2%
Operating margin
8.4%
Efficiency
Return on assets
0.4%
Return on equity
2.7%
Return on invested capital
0.4%
Return on capital employed
N/A
Return on sales
8.4%
Dividend
Dividend yield
5.86%
DPS
$0.65
Payout ratio
138.3%

WSBF stock price

How has the Waterstone Financial stock price performed over time
Intraday
1.37%
1 week
-0.27%
1 month
-0.63%
1 year
-22.88%
YTD
-21.9%
QTD
-8.87%

Financial performance

How have Waterstone Financial's revenue and profit performed over time
Revenue
$130.74M
Gross profit
$130.74M
Operating income
$11.03M
Net income
$9.38M
Gross margin
100%
Net margin
7.2%
Waterstone Financial's operating income has plunged by 55% YoY and by 10% from the previous quarter
WSBF's net income has dropped by 52% year-on-year and by 9% since the previous quarter
The operating margin fell by 45% YoY and by 9% QoQ
Waterstone Financial's net margin has decreased by 40% YoY and by 6% from the previous quarter

Growth

What is Waterstone Financial's growth rate over time

Valuation

What is Waterstone Financial stock price valuation
P/E
23.6
P/B
0.66
P/S
1.71
EV/EBIT
72.25
EV/EBITDA
55.61
EV/Sales
6.1
The P/E is 87% above the 5-year quarterly average of 12.6
The company's EPS fell by 47% YoY and by 8% QoQ
WSBF's price to book (P/B) is 40% lower than its 5-year quarterly average of 1.1 and 18% lower than its last 4 quarters average of 0.8
The equity has declined by 7% year-on-year
Waterstone Financial's revenue has decreased by 19% YoY and by 2.2% QoQ
WSBF's P/S is 15% below its last 4 quarters average of 2.0 and 10% below its 5-year quarterly average of 1.9

Efficiency

How efficient is Waterstone Financial business performance
The ROIC has plunged by 64% YoY and by 20% from the previous quarter
Waterstone Financial's return on assets has shrunk by 60% YoY and by 20% QoQ
WSBF's return on equity is down by 46% year-on-year and by 7% since the previous quarter
The company's return on sales fell by 45% YoY and by 9% QoQ

Dividends

What is WSBF's dividend history
Dividend details
DPS
$0.65
Dividend yield
5.86%
Payout ratio
138.3%
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 13% YoY
The total assets has grown by 9% YoY
Waterstone Financial's debt is 78% more than its equity
WSBF's debt to equity has soared by 71% year-on-year and by 4.7% since the previous quarter
Waterstone Financial's debt has soared by 58% YoY and by 3.9% from the previous quarter

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