WSBF official logo WSBF
WSBF 1-star rating from Upturn Advisory
Waterstone Financial Inc (WSBF) company logo

Waterstone Financial Inc (WSBF)

Waterstone Financial Inc (WSBF) 1-star rating from Upturn Advisory
$17.05
Last Close (24-hour delay)
Profit since last BUY9.65%
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BUY since 23 days
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Upturn Advisory Summary

12/12/2025: WSBF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

Upturn 1 star rating for performance

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

1 star rating from financial 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

Analysts Price Target For last 52 week
$12.5 Target price
52w Low $11.37
Current$17.05
52w High $17.12

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 star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 3.0
Stock Returns Performance Upturn Returns Performance icon 2.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 12/12/2025

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
Full time employees 600

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.