WSBF — Waterstone Financial, Inc. stock price, charts and financials

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

20.96

+0.19+0.91%

Overview Short InterestFilings

WSBFQT68Waterstone Financial, Inc.·NASDAQ

Overview Short InterestFilings

20.96+0.91%

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Signal & projected range

Earnings big miss — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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DCOM+1.29%$41.74 TCBK+1.02%$58.63 CASH-1.38%$89.50 STBA+0.57%$52.68 TFIN+4.18%$79.83 GABC+0.18%$51.19 NBHC+0.65%$43.47 STEL+0.03%$39.32

Snapshot

Index	-	P/E	12.19	EPS (ttm)	1.72	Insider Own	6.78%	Shs Outstand	18.05M	Perf Week	1.75%

Market Cap	378.39M	Forward P/E	20.75	EPS next Y	1.01	Insider Trans	-5.93%	Shs Float	14.90M	Perf Month	4.96%

Enterprise Value	752.39M	PEG	-	EPS next Q	0.66	Inst Own	-	Short Float	2.13%	Perf Quarter	17.09%

Income	30.00M	P/S	2.35	EPS this Y	-41.28%	Inst Trans	-	Short Ratio	4.48	Perf Half Y	11.73%

Sales	161.00M	P/B	1.09	EPS next Y	-	ROA	1.34%	Short Interest	317.15K	Perf YTD	26.65%

Book/sh	19.28	P/C	9.70	EPS next 5Y	-	ROE	8.63%	52W High	21.14 -0.85%	Perf Year	58.67%

Cash/sh	2.16	P/FCF	11.09	EPS past 3/5Y	18.47% -14.82%	ROIC	1.89%	52W Low	13.11 59.88%	Perf 3Y	48.34%

Dividend Est.	0.68 (3.24%)	EV/EBITDA	35.83	Sales past 3/5Y	5.71% -8.68%	Gross Margin	65.42%	Volatility	1.59% 2.34%	Perf 5Y	8.38%

Dividend TTM	0.64 (3.05%)	EV/Sales	4.67	EPS Y/Y TTM	70.30%	Oper. Margin	12.28%	ATR (14)	0.48	Perf 10Y	33.16%

Dividend Ex-Date	Jul 08, 2026	Quick Ratio	0.15	Sales Y/Y TTM	-19.10%	Profit Margin	18.58%	RSI (14)	66.74	Recom	3.00

Dividend Gr. 3/5Y	-22.72% -14.06%	Current Ratio	0.15	EPS Q/Q	13.95%	SMA20	4.95%	Beta	0.70	Target Price	-

Payout	26.37%	Debt/Eq	1.18	Sales Q/Q	-86.54%	SMA50	7.06%	Rel Volume	0.76	Prev Close	20.77

Employees	593	LT Debt/Eq	0.54	Earnings	Oct 22	SMA200	17.79%	Avg Volume	70.72K	Price	20.96

IPO Date	Oct 05, 2005	Option/Short	Yes / Yes	EPS/Sales Surpr.	-25.76% -88.92%	Net Debt/EBITDA	17.65	Volume	53,516	Change	0.91%

Analyst Ratings

Date	Action	Analyst	Rating
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

Latest News

Jul-30-26

Jul-30-2612:15PM

Waterstone Financial's Q2 Earnings Up Y/Y on Loan Yield Gainszacks.com

Jul-23-26

Jul-23-2604:22PM

Waterstone Financial Q2 EPS $0.49 Up From $0.43 YoY, Sales $16.010M Up From $13.708M YoYBenzinga

04:01PM

Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2026globenewswire.com

Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

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	171	268	318	207	189
Cost of Goods Sold Incl. D&A	57	58	67	50	14	10	31	27	18
Gross Profit	105	144	133	127	157	258	287	181	170
Selling, General and Administrative Excl. Other	4	6	85	88	104	139	143	107	104
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	82	104	24	28	28	27	35	26	26
Operating Income	20	33	24	11	24	92	108	48	40
Interest Expense	57	59	67	49	13	14	25	28	20
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	75	59	67	49	13	14	25	28	20
Net Income Before Taxes	39	33	24	11	24	92	108	48	40
Income Taxes	8	7	5	2	5	21	27	12	10
Consolidated Net Income	30	26	19	9	19	71	81	36	31
Net Income From Continuing Operations	30	26	19	9	19	71	81	36	31
Net Income	30	26	19	9	19	71	81	36	31
EPS (Recurring)	1.72	1.48	1.01	0.47	0.89	2.98	3.32	1.38	1.12
EPS (Basic, Before Extraordinaries)	1.72	1.48	1.01	0.47	0.89	2.98	3.32	1.38	1.12
EPS (Diluted)	1.72	1.48	1.01	0.46	0.89	2.96	3.30	1.37	1.11
EBITDA	21	36	26	14	29	98	114	52	45
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	12.19	11.18	13.31	30.87	19.37	7.39	5.70	13.89	15.10
Price To Sales Ratio	2.21	1.47	1.28	1.60	2.22	1.96	1.42	2.39	2.39
Gross Margin	65.22	71.29	66.83	71.75	91.81	96.27	90.25	87.44	89.95
Operating Margin	12.42	16.34	12.06	6.21	14.04	34.33	33.96	23.19	21.16
Net Margin	18.63	12.87	9.55	5.08	11.11	26.49	25.47	17.39	16.40
Shares Outstanding	17	18	19	20	22	24	24	26	27
Market Capitalization	356	298	255	284	379	525	452	495	453
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Gerke Mark Raymond	EVP/Chief Financial Officer	May 21 '26	Sale	18.34	10,000	183,435	30,034	May 22
Gerke Mark Raymond	EVP/Chief Financial Officer	May 21 '26	Option Exercise	14.98	10,000	149,800	40,034	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
Hansen Michael L	Director	Aug 11 '25	Sale	13.80	2,757	38,047	146,358	Aug 12
Hansen Michael L	Director	Jul 25 '25	Sale	13.81	961	13,272	149,115	Jul 28

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.