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Upturn AI SWOT - About
WSBF 
Waterstone Financial Inc (WSBF)
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Upturn Advisory Summary
10/15/2025: 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 7.95% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 274.58M USD | Price to earnings Ratio 13.01 | 1Y Target Price 12.5 |
Price to earnings Ratio 13.01 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.76 | 52 Weeks Range 11.37 - 16.59 | Updated Date 10/17/2025 |
52 Weeks Range 11.37 - 16.59 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 4.10% | Basic EPS (TTM) 1.13 |
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin 15.43% | Operating Margin (TTM) 25.39% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 6.12% |
Valuation
Trailing PE 13.01 | Forward PE - | Enterprise Value 657402176 | Price to Sales(TTM) 2.05 |
Enterprise Value 657402176 | Price to Sales(TTM) 2.05 | ||
Enterprise Value to Revenue 5.63 | Enterprise Value to EBITDA - | Shares Outstanding 18679165 | Shares Floating 15746671 |
Shares Outstanding 18679165 | Shares Floating 15746671 | ||
Percent Insiders 19.77 | Percent Institutions 50.77 |
Upturn AI SWOT
Waterstone Financial Inc
Company Overview
History and Background
Waterstone Financial, Inc. is the holding company for WaterStone Bank SSB, a community bank headquartered in Wauwatosa, Wisconsin. Founded in 1921, the bank initially focused on savings and loans, expanding its services over time to include a range of financial products.
Core Business Areas
- Retail Banking: Provides traditional banking services such as checking and savings accounts, personal loans, and mortgage lending.
- Commercial Banking: Offers commercial real estate lending, business loans, and other financial services to businesses.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical with various departments focusing on different aspects of banking operations.
Top Products and Market Share
Key Offerings
- Mortgage Lending: Offers a variety of mortgage products to individuals and families. Market share is regional, primarily within Wisconsin. Competitors include larger national banks like Wells Fargo, Chase, and local credit unions.
- Commercial Real Estate Lending: Provides financing for commercial real estate projects. Revenue from this product contributes significantly to the bank's earnings. Competitors include Associated Banc-Corp and regional credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased competition, rising interest rates, and evolving regulatory landscape. Digital banking is rapidly growing.
Positioning
Waterstone Financial is a community bank focused on providing personalized service and building relationships with its customers. Its competitive advantage lies in its local presence and customer-centric approach.
Total Addressable Market (TAM)
The TAM for banking services in Wisconsin is estimated to be several billion dollars. Waterstone Financial is positioned to capture a portion of this market through its branch network and digital channels.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking services
- Vulnerable to interest rate fluctuations
Opportunities
- Expanding digital banking services
- Acquiring smaller community banks
- Increasing commercial lending activities
- Growing wealth management business
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF
- USB
- HBAN
Competitive Landscape
Waterstone Financial faces competition from larger national banks and smaller community banks. Its competitive advantage lies in its local focus and personalized service. Disadvantages includes limited resources compared to larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are dependent on past financial performance. Please consult the company's historical reports.
Future Projections: Future growth projections depend on analyst estimates and market conditions. Please consult current analyst reports.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of commercial lending services.
Summary
Waterstone Financial is a community bank with a strong local presence and a customer-centric approach. The bank faces challenges from larger competitors and the changing regulatory landscape. Successful expansion into digital banking and strategic acquisitions could drive future growth. Maintaining a solid capital base and managing interest rate risk will be crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and some financial metrics can change. Consult with a financial advisor before making any 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.
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