| Index | — | P/E | 11.60 | EPS (ttm) | 1.72 | Insider Own | 6.92% | Shs Outstand | 17.98M | Perf Week | 0.91% |
| Market Cap | 358.82M | Forward P/E | — | EPS next Y | — | Insider Trans | -1.46% | Shs Float | 14.88M | Perf Month | 0.10% |
| Enterprise Value | 732.82M | PEG | — | EPS next Q | 0.62 | Short Float | 2.96% | Perf Quarter | -4.77% | ||
| Income | 30.00M | P/S | 2.23 | EPS this Y | — | Short Ratio | 5.77 | Perf Half Y | 11.51% | ||
| Sales | 161.00M | P/B | 1.03 | EPS next Y | — | ROA | 1.34% | Short Interest | 440.57K | Perf YTD | 20.60% |
| Book/sh | 19.36 | P/C | 9.20 | EPS next 5Y | — | ROE | 8.63% | 52W High | 21.66 -7.85% | Perf Year | 30.63% |
| Cash/sh | 2.17 | P/FCF | 8.54 | EPS past 3/5Y | 18.47% -14.82% | ROIC | 1.89% | 52W Low | 15.05 32.62% | Perf 3Y | 95.11% |
| Dividend Est. | 0.68 (3.41%) | EV/EBITDA | 33.31 | Sales past 3/5Y | 5.71% -8.68% | Gross Margin | 65.42% | Volatility | 1.73% 2.01% | Perf 5Y | -2.92% |
| Dividend TTM | 0.66 (3.31%) | EV/Sales | 4.55 | EPS Y/Y TTM | 50.88% | Oper. Margin | 12.28% | ATR (14) | 0.44 | Perf 10Y | 17.76% |
| Dividend Ex-Date | Oct 08, 2026 | Quick Ratio | 0.15 | Sales Y/Y TTM | -17.44% | Profit Margin | 18.58% | RSI (14) | 50.31 | Recom | 3.00 |
| Dividend Gr. 3/5Y | -22.72% -14.06% | Current Ratio | 0.15 | EPS Q/Q | 13.95% | SMA20 | 0.92% | Beta | 0.75 | Target Price | — |
| Payout | 35.94% | Debt/Eq | 1.19 | Sales Q/Q | -86.54% | SMA50 | -1.96% | Rel Volume | 0.76 | Prev Close | 19.55 |
| Employees | 593 | LT Debt/Eq | 0.70 | Earnings | Jan 28 | SMA200 | 3.88% | Avg Volume | 72.41K | Price | 19.96 |
| IPO Date | Oct 05, 2005 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -25.76% -88.92% | Net Debt/EBITDA | 17.00 | Volume | 54,675 | Change | 2.10% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Feb-26-21 | Downgrade | Piper Sandler | Overweight → Neutral | |
| Oct-31-17 | Downgrade | Sandler O'Neill | Buy → Hold | |
| Oct-31-17 | Downgrade | Piper Sandler | Buy → Hold | |
| Aug-02-16 | Upgrade | Sandler O'Neill | Hold → Buy | |
| Aug-02-16 | Upgrade | Piper Sandler | Hold → Buy |
Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 161 | 202 | 199 | 177 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 57 | 58 | 67 | 50 | — | — | — | — | — | |
| Gross Profit | 105 | 144 | 133 | 127 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 4 | 6 | 85 | 88 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 82 | 104 | 24 | 28 | — | — | — | — | — | |
| Operating Income | 20 | 33 | 24 | 11 | — | — | — | — | — | |
| Interest Expense | 57 | 59 | 67 | 49 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 75 | 59 | 67 | 49 | — | — | — | — | — | |
| Net Income Before Taxes | 39 | 33 | 24 | 11 | — | — | — | — | — | |
| Income Taxes | 8 | 7 | 5 | 2 | — | — | — | — | — | |
| Consolidated Net Income | 30 | 26 | 19 | 9 | — | — | — | — | — | |
| Net Income From Continuing Operations | 30 | 26 | 19 | 9 | — | — | — | — | — | |
| Net Income | 30 | 26 | 19 | 9 | — | — | — | — | — | |
| EPS (Recurring) | 1.72 | 1.48 | 1.01 | 0.47 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 1.72 | 1.48 | 1.01 | 0.47 | — | — | — | — | — | |
| EPS (Diluted) | 1.72 | 1.48 | 1.01 | 0.46 | — | — | — | — | — | |
| EBITDA | 22 | 36 | 26 | 14 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 11.60 | 11.18 | 13.31 | 30.87 | — | — | — | — | — | |
| Price To Sales Ratio | 2.11 | 1.47 | 1.28 | 1.60 | — | — | — | — | — | |
| Gross Margin | 65.22 | 71.29 | 66.83 | 71.75 | — | — | — | — | — | |
| Operating Margin | 12.42 | 16.34 | 12.06 | 6.21 | — | — | — | — | — | |
| Net Margin | 18.63 | 12.87 | 9.55 | 5.08 | — | — | — | — | — | |
| Shares Outstanding | 17 | 18 | 19 | 20 | — | — | — | — | — | |
| Market Capitalization | 339 | 298 | 255 | 284 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Gordon Ryan J | EVP/Chief Credit Officer | Aug 13 '26 | Sale | 21.14 | 8,157 | 172,406 | 11,611 | Aug 17 |
| Gordon Ryan J | EVP/Chief Credit Officer | Aug 13 '26 | Option Exercise | 17.20 | 10,000 | 172,000 | 19,768 | Aug 17 |
| Gerke Mark Raymond | EVP/Chief Financial Officer | May 21 '26 | Option Exercise | 14.98 | 10,000 | 149,800 | 40,034 | May 22 |
| Gerke Mark Raymond | EVP/Chief Financial Officer | May 21 '26 | Sale | 18.34 | 10,000 | 183,435 | 30,034 | May 22 |
| Gordon Douglas S | Director | Feb 18 '26 | Sale | 18.11 | 2,880 | 52,157 | 556,773 | Feb 20 |
| Gordon Douglas S | Director | Feb 06 '26 | Sale | 18.27 | 6,765 | 123,563 | 559,653 | Feb 10 |
| Gordon Douglas S | Director | Feb 05 '26 | Sale | 18.25 | 18,716 | 341,567 | 566,418 | Feb 06 |
| Gordon Douglas S | Director | Feb 04 '26 | Sale | 18.55 | 15,000 | 278,265 | 585,134 | Feb 06 |
| Lawton Patrick S | Director | Feb 04 '26 | Sale | 18.64 | 19,255 | 358,913 | 0 | Feb 05 |
| Lawton Patrick S | Director | Feb 03 '26 | Sale | 18.53 | 30,000 | 555,900 | 19,255 | Feb 05 |
| Glynn Julie Ann | EVP/Chief Retail Officer | Feb 02 '26 | Sale | 18.19 | 20,929 | 380,774 | 9,071 | Feb 04 |
| Glynn Julie Ann | EVP/Chief Retail Officer | Feb 02 '26 | Option Exercise | 17.35 | 20,000 | 347,000 | 30,000 | Feb 04 |
| Hansen Michael L | Director | Oct 27 '25 | Sale | 15.16 | 79,872 | 1,210,860 | 0 | Oct 28 |
| Hansen Michael L | Director | Aug 13 '25 | Sale | 14.05 | 109,527 | 1,538,515 | 1,541 | Aug 14 |
| Hansen Michael L | Director | Aug 12 '25 | Sale | 13.92 | 35,290 | 491,212 | 111,068 | Aug 14 |