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Waterstone Financial Inc (WSBF)

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Upturn Advisory Summary
12/12/2025: WSBF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $12.5
1 Year Target Price $12.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.61% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() | Upturn Advisory Performance | Stock Returns Performance |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 285.90M USD | Price to earnings Ratio 11.65 | 1Y Target Price 12.5 |
Price to earnings Ratio 11.65 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.83 | 52 Weeks Range 11.37 - 17.12 | Updated Date 11/13/2025 |
52 Weeks Range 11.37 - 17.12 | Updated Date 11/13/2025 | ||
Dividends yield (FY) 3.86% | Basic EPS (TTM) 1.33 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.44% | Operating Margin (TTM) 26.4% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 6.95% |
Valuation
Trailing PE 11.65 | Forward PE - | Enterprise Value 688864064 | Price to Sales(TTM) 2.32 |
Enterprise Value 688864064 | Price to Sales(TTM) 2.32 | ||
Enterprise Value to Revenue 5.8 | Enterprise Value to EBITDA - | Shares Outstanding 18456918 | Shares Floating 15516852 |
Shares Outstanding 18456918 | Shares Floating 15516852 | ||
Percent Insiders 19.58 | Percent Institutions 49.91 |
About Waterstone Financial Inc
Exchange NASDAQ | Headquaters Wauwatosa, WI, United States | ||
IPO Launch date 2005-10-05 | CEO, President, General Counsel & Secretary Mr. William F. Bruss J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 600 | Website https://www.wsbonline.com |
Full time employees 600 | Website https://www.wsbonline.com | ||
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. The company was founded in 1921 and is based in Wauwatosa, Wisconsin.

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