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Upturn AI SWOT - About
WSBF 
Waterstone Financial Inc (WSBF)
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Upturn Advisory Summary
08/14/2025: 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 2.15% | Avg. Invested days 38 | 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 263.00M USD | Price to earnings Ratio 12.46 | 1Y Target Price 12.5 |
Price to earnings Ratio 12.46 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.72 | 52 Weeks Range 11.49 - 16.28 | Updated Date 08/15/2025 |
52 Weeks Range 11.49 - 16.28 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.18% | Basic EPS (TTM) 1.13 |
Earnings Date
Report Date 2025-07-22 | When - | Estimate - | Actual 0.4292 |
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 12.46 | Forward PE - | Enterprise Value 652904960 | Price to Sales(TTM) 1.96 |
Enterprise Value 652904960 | Price to Sales(TTM) 1.96 | ||
Enterprise Value to Revenue 5.51 | Enterprise Value to EBITDA - | Shares Outstanding 18679200 | Shares Floating 15604558 |
Shares Outstanding 18679200 | Shares Floating 15604558 | ||
Percent Insiders 19.68 | Percent Institutions 51.64 |
Upturn AI SWOT
Waterstone Financial Inc
Company Overview
History and Background
Waterstone Financial, Inc. operates as the holding company for WaterStone Bank SSB, a community bank based in Wauwatosa, Wisconsin. Founded in 1921, the bank initially focused on residential mortgages. Over time, it has expanded its product offerings to include commercial lending and retail banking services.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts. Provides consumer loans, including residential mortgages, home equity loans, and auto loans.
- Commercial Banking: Provides commercial real estate loans, commercial and industrial loans, and other business banking services to small and medium-sized businesses.
- Wealth Management: Offers wealth management and trust services through its Waterstone Investment Services division.
Leadership and Structure
Douglas Gordon is the Chief Executive Officer. The organizational structure includes various departments such as lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share information for WaterStone Bank specifically is difficult to ascertain, but it operates within the broader mortgage market. Competitors include large national banks (e.g., JPMorgan Chase, Wells Fargo) and regional banks.
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share information for WaterStone Bank specifically is difficult to ascertain. Competitors include BMO Harris Bank, US Bank and Associated Bank in the Wisconsin region.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Community banks face competition from larger national banks and fintech companies.
Positioning
Waterstone Financial focuses on serving the local communities in southeastern Wisconsin. Its competitive advantage lies in its personalized customer service and local market expertise.
Total Addressable Market (TAM)
The total addressable market for banking services in southeastern Wisconsin is estimated to be in the billions of dollars annually. Waterstone Financial aims to grow its market share within this region by focusing on relationship banking and local community involvement.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Diversified product offerings
- Strong capital base
Weaknesses
- Limited geographic footprint compared to larger banks
- Reliance on interest income
- Higher operating costs compared to online lenders
Opportunities
- Expansion into new markets within Wisconsin
- Increased demand for commercial real estate loans
- Partnerships with fintech companies
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOH
- HBNC
- HFWA
Competitive Landscape
Waterstone Financial's advantages include local expertise and customer service, while its disadvantages include a smaller scale and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be determined based on analysis of past financial performance.
Future Projections: Future growth projections are typically derived from analyst estimates and company guidance.
Recent Initiatives: Recent initiatives could include branch expansions, technology upgrades, or new product launches.
Summary
Waterstone Financial is a community bank with a strong local presence in Wisconsin. Its focus on relationship banking provides a competitive advantage. However, its smaller scale and reliance on interest income present challenges. Increased competition from larger banks and fintech companies necessitates strategic adaptation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- MarketWatch
- SNL Financial
- Bloomberg
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data. Actual market share may vary. Financial metrics and projections are subject to change.
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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