Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
WSBF 
Waterstone Financial Inc (WSBF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/20/2025: WSBF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
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 -5.35% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 265.53M USD | Price to earnings Ratio 13.67 | 1Y Target Price 12.5 |
Price to earnings Ratio 13.67 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.71 | 52 Weeks Range 11.61 - 16.46 | Updated Date 06/30/2025 |
52 Weeks Range 11.61 - 16.46 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.31% | Basic EPS (TTM) 1.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.99% | Operating Margin (TTM) 12.81% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 5.5% |
Valuation
Trailing PE 13.67 | Forward PE - | Enterprise Value 615401920 | Price to Sales(TTM) 1.99 |
Enterprise Value 615401920 | Price to Sales(TTM) 1.99 | ||
Enterprise Value to Revenue 5.01 | Enterprise Value to EBITDA - | Shares Outstanding 19075500 | Shares Floating 16546867 |
Shares Outstanding 19075500 | Shares Floating 16546867 | ||
Percent Insiders 19.27 | Percent Institutions 51.91 |
Analyst Ratings
Rating 1 | Target Price 12.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Waterstone Financial Inc
Company Overview
History and Background
Waterstone Financial, Inc. was founded in 1921 as Wauwatosa Savings Bank. It has grown from a small community bank into a diversified financial services provider through organic growth and acquisitions. The company went public in 2014.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and mortgages.
- Mortgage Banking: Originates and sells residential mortgages through its Waterstone Mortgage Corporation subsidiary.
Leadership and Structure
Douglas F. Gordon serves as the Chairman and Chief Executive Officer. The company operates with a traditional hierarchical structure.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Originates and sells residential mortgages. Market share is relatively small on a national scale. Competitors include large national banks like JP Morgan Chase (JPM), Wells Fargo (WFC), and Rocket Companies (RKT).
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Market share is concentrated in its local Wisconsin markets. Competitors include BMO Harris Bank, US Bank, and other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and interest rate fluctuations. The mortgage industry is sensitive to interest rate changes and housing market conditions.
Positioning
Waterstone Financial Inc. is a regional bank and mortgage originator. It competes primarily on customer service and local market knowledge.
Total Addressable Market (TAM)
The total addressable market for residential mortgages in the US is trillions of dollars. Waterstone Financial Inc.'s market share is a very small percentage of this TAM, positioning them as a niche player within a large market.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams (banking and mortgage)
- Solid capital base
Weaknesses
- Limited geographic reach
- Reliance on mortgage market conditions
- Smaller scale compared to national competitors
- Higher expense ratio compared to larger peers
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in mortgage refinance activity
Threats
- Rising interest rates
- Increased competition from online lenders
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BMO (BMO)
- Associated Banc-Corp (ASB)
- U.S. Bancorp (USB)
Competitive Landscape
Waterstone Financial Inc. faces significant competition from larger regional and national banks and from mortgage lenders. Its smaller scale and limited geographic reach are disadvantages, but its local market knowledge and customer service are advantages.
Growth Trajectory and Initiatives
Historical Growth: Waterstone Financial Inc. has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth, but projections may vary. Need to research peroidically
Recent Initiatives: Recent strategic initiatives may include investments in digital banking platforms and expansion into new markets.
Summary
Waterstone Financial Inc. is a small but stable regional bank and mortgage originator. Its strengths include a strong local presence and diversified revenue streams. However, it faces challenges from larger competitors and is vulnerable to changes in the mortgage market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance may change. Consult with a financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.