Waterstone Financial Inc
Research Waterstone Financial Inc (WSBF) on Bullrun: valuation model: 2.9% overvalued, market cap USD 378.01M, P/E 12.2, dividend yield 3.0%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerWSBF
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal2.9% overvalued
- Market capUSD 378.01M
- P/E12.2
- Dividend yield3.0%
- Financial periodQ2 2026
- RevenueUSD 39.43M
- Net incomeUSD 8.46M
- Free cash flowUSD 9.37M
Valuation Snapshot
Bullrun's latest valuation model marks Waterstone Financial Inc as 2.9% overvalued; latest market cap is USD 378.01M; P/E is 12.2; dividend yield is 3.0%.
Peer valuation comparison
Latest P/E is 12.19x versus a Financial Services sector median of 13.84x (11.9% below).
Latest dividend yield is 3.04% versus a Financial Services sector median of 3.86% (21.1% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 138.93M | USD 26.40M | USD 23.02M | n/a | 1.48 | USD 63.56M | USD 412.26M | USD 349.39M |
| FY2024 | USD 132.38M | USD 18.69M | USD 46.96M | n/a | 1.01 | USD 35.18M | USD 446.52M | USD 339.14M |
| FY2023 | USD 127.97M | USD 9.38M | -USD 28.28M | n/a | 0.46 | USD 30.67M | USD 758.11M | USD 344.06M |
| FY2022 | n/a | USD 19.49M | USD 205.96M | n/a | 0.89 | USD 33.70M | USD 387.87M | USD 370.49M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 378.01M | 12.2 | 3.0% | 0.64 |
| 2025 | 2025-12-31 | USD 303.85M | 11.2 | 3.6% | 0.6 |
| 2024 | 2024-12-31 | USD 259.97M | 13.3 | 4.5% | 0.6 |
| 2023 | 2023-12-29 | USD 292.19M | 28.4 | 5.3% | 0.75 |
| 2022 | 2022-12-30 | USD 382.56M | 12.9 | 7.5% | 1.3 |
| 2021 | 2021-12-31 | USD 542.02M | 7.4 | 5.9% | 1.3 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.64 USD, yield 3.0%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.6 USD |
| FY2024 | 0.6 USD |
| FY2023 | 0.7 USD |
| FY2022 | 0.8 USD |
About Waterstone Financial Inc
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;
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Frequently asked questions
Is Waterstone Financial Inc overvalued or undervalued?
Bullrun's valuation model currently marks Waterstone Financial Inc as 2.9% overvalued.
What is Waterstone Financial Inc's market cap?
Waterstone Financial Inc's market capitalization is USD 378.01M.
What is Waterstone Financial Inc's P/E ratio?
Waterstone Financial Inc's price-to-earnings (P/E) ratio is 12.2.
Does Waterstone Financial Inc pay a dividend?
Waterstone Financial Inc has a dividend yield of 3.0%.
What does Waterstone Financial Inc do?
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.