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WSBF

Waterstone Financial Inc

Nov 13 • 04:00PM ET

15.49

-0.05 -0.32 %

Financial • Banks - Regional • USA • NASD

Peers: HAFC HTB FFNW FSBC GSBC CTBI FFBC UBCP PFBC

| Held by: VTI IWM VXF AVUV IWN DFAT BSVO DFSV VTWO SCHA

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Index	RUT	P/E	11.67	EPS (ttm)	1.33	Insider Own	17.43%	Shs Outstand	18.52M	Perf Week	2.18%
Market Cap	285.90M	Forward P/E	-	EPS next Y	-	Insider Trans	-7.65%	Shs Float	15.12M	Perf Month	2.92%
Enterprise Value	-	PEG	-	EPS next Q	-	Inst Own	49.34%	Short Float	0.78%	Perf Quarter	10.01%
Income	23.90M	P/S	1.45	EPS this Y	-	Inst Trans	-2.02%	Short Ratio	2.15	Perf Half Y	21.78%
Sales	197.78M	P/B	0.83	EPS next Y	-	ROA	1.06%	Short Interest	0.12M	Perf YTD	15.25%
Book/sh	18.65	P/C	-	EPS next 5Y	-	ROE	6.95%	52W High	16.75 -7.52%	Perf Year	-1.65%
Cash/sh	-	P/FCF	-	EPS past 3/5Y	-30.22% -5.97%	ROIC	4.30%	52W Low	11.61 33.42%	Perf 3Y	-6.23%
Dividend Est.	-	EV/EBITDA	-	Sales past 3/5Y	-9.44% -0.74%	Gross Margin	-	Volatility	1.72% 2.17%	Perf 5Y	-1.55%
Dividend TTM	0.60 (3.87%)	EV/Sales	-	EPS Y/Y TTM	83.67%	Oper. Margin	14.97%	ATR (14)	0.33	Perf 10Y	37.04%
Dividend Ex-Date	Oct 08, 2025	Quick Ratio	-	Sales Y/Y TTM	-0.09%	Profit Margin	12.08%	RSI (14)	56.14	Recom	3.00
Dividend Gr. 3/5Y	-9.14% 4.56%	Current Ratio	0.04	EPS Q/Q	74.99%	SMA20	1.63%	Beta	0.81	Target Price	12.50
Payout	59.68%	Debt/Eq	1.36	Sales Q/Q	0.21%	SMA50	1.76%	Rel Volume	0.60	Prev Close	15.54
Employees	600	LT Debt/Eq	0.61	Earnings	-	SMA200	11.48%	Avg Volume	55.17K	Price	15.49
IPO	Oct 05, 2005	Option/Short	Yes / Yes	EPS/Sales Surpr.	- -	Trades		Volume	34,608	Change	-0.32%

Date	Action	Analyst	Rating Change	Price Target Change
Feb-26-21	Downgrade	Piper Sandler	Overweight → Neutral	$20.50
Oct-24-19	Upgrade	Sandler O'Neill	Hold → Buy	$19.50
Oct-31-17	Downgrade	Sandler O'Neill	Buy → Hold
Sep-07-17	Upgrade	Sandler O'Neill	Hold → Buy
Aug-02-16	Upgrade	Sandler O'Neill	Hold → Buy
Mar-18-16	Initiated	Sandler O'Neill	Hold

Oct-29-25 01:31PM	WSBF's Q3 Earnings Soar 73% Y/Y on Higher Loan Yield, Stock up 5% (Zacks)
Oct-23-25 04:10PM	Waterstone: Q3 Earnings Snapshot (Associated Press Finance)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2025 (GlobeNewswire)
Oct-08-25 08:58AM	The Zacks Analyst Blog Tesla, UnitedHealth, Shopify and Waterstone Financial (Zacks)
Oct-07-25 04:20PM	Top Research Reports for Tesla, UnitedHealth & Shopify (Zacks)
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01:36PM	WSBF Upgraded to Outperform Amid Strong Mortgage Unit, Margin Expansion (Zacks)
Sep-23-25 04:00PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jul-28-25 01:56PM	Waterstone Financial's Q2 Earnings Up Y/Y on Community Bank Gains (Zacks)
Jul-22-25 04:08PM	Waterstone: Q2 Earnings Snapshot (Associated Press Finance)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2025 (GlobeNewswire)
Jul-16-25 11:18AM	Zacks Initiates Coverage of Waterstone Financial With Neutral Recommendation (Zacks)
Jul-11-25 05:23AM	The Zacks Analyst Blog Highlights NVIDIA, Walmart, Caterpillar, Seneca Foods and Waterstone (Zacks)
Jul-10-25 04:27PM	Top Stock Reports for NVIDIA, Walmart & Caterpillar (Zacks)
Jul-09-25 04:01PM	Waterstone Financial Announces Election of New Board Members (GlobeNewswire)
Jun-17-25 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
05:16PM	Loading…
Apr-22-25 05:16PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2025 (GlobeNewswire)
04:09PM	Waterstone: Q1 Earnings Snapshot (Associated Press Finance)
Apr-17-25 05:39PM	Waterstone Financial Announces Director Retirement (GlobeNewswire)
Mar-20-25 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jan-28-25 04:20PM	Waterstone: Q4 Earnings Snapshot (Associated Press Finance) +7.40%
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2024 (GlobeNewswire)
Dec-19-24 04:24PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Oct-22-24 04:07PM	Waterstone: Q3 Earnings Snapshot (Associated Press Finance)
04:00PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2024 (GlobeNewswire)
Sep-24-24 04:00PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Sep-06-24 01:00PM	Insider Sale: Director Ellen Bartel Sells 15,140 Shares of Waterstone Financial Inc (WSBF) (GuruFocus.com)
Jul-25-24 10:53PM	WSBF Stock Earnings: Waterstone Financial Reported Results for Q2 2024 (InvestorPlace) +5.25%
04:11PM	Waterstone: Q2 Earnings Snapshot (Associated Press Finance)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2024 (GlobeNewswire)
Jun-18-24 04:00PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
09:56PM	Loading…
Apr-30-24 09:56PM	WSBF Stock Earnings: Waterstone Financial Misses Revenue for Q1 2024 (InvestorPlace)
05:47PM	Waterstone Financial Inc Reports Increased Earnings Amid Economic Challenges (GuruFocus.com)
04:08PM	Waterstone: Q1 Earnings Snapshot (Associated Press Finance)
04:00PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2024 (GlobeNewswire)
Apr-24-24 03:53AM	Waterstone Financial Boosts Share Buyback Program by Additional 2 Million Shares (MT Newswires) +6.41%
Apr-23-24 05:02PM	Waterstone Financial, Inc. Announces Expansion of Share Repurchase Program (GlobeNewswire)
Mar-22-24 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jan-30-24 04:18PM	Waterstone: Q4 Earnings Snapshot (Associated Press Finance) -5.47%
04:00PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2023 (GlobeNewswire)
Jan-05-24 11:08AM	Waterstone Financial Inc's Dividend Analysis (GuruFocus.com)
Dec-21-23 05:15PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Oct-24-23 05:39PM	Waterstone Financial Inc (WSBF) Reports Q3 2023 Earnings, Navigates Rising Interest Rates and ... (GuruFocus.com)
04:10PM	Waterstone: Q3 Earnings Snapshot (Associated Press Finance)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2023 (GlobeNewswire)
Oct-06-23 07:08AM	Unveiling the Dividend Performance of Waterstone Financial Inc: A Deep Dive (GuruFocus.com)
Sep-27-23 07:55AM	Waterstone (WSBF) Cuts Dividend to Improve Capital Allocation (Zacks)
Sep-26-23 04:01PM	Waterstone Financial Declares Quarterly Cash Dividend (GlobeNewswire)
Aug-03-23 07:04PM	10 Oversold Bank Stocks To Buy (Insider Monkey)
Jul-25-23 06:06PM	Waterstone Bank names next CEO as Doug Gordon announces retirement (American City Business Journals)
05:25PM	Waterstone Financial (WSBF) Q2 Earnings and Revenues Miss Estimates (Zacks)
04:21PM	Waterstone: Q2 Earnings Snapshot (Associated Press Finance)
04:02PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2023 (GlobeNewswire)
04:01PM	Waterstone Financial Announces Planned Retirement of Douglas S. Gordon and Election of William F. Bruss As Next CEO (GlobeNewswire)
Jul-13-23 10:00AM	Earnings Preview: Waterstone Financial (WSBF) Q2 Earnings Expected to Decline (Zacks)
Jul-04-23 06:11AM	Waterstone Financial (NASDAQ:WSBF) Is Due To Pay A Dividend Of $0.20 (Simply Wall St.)
Jun-29-23 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jun-16-23 06:35AM	With 58% institutional ownership, Waterstone Financial, Inc. (NASDAQ:WSBF) is a favorite amongst the big guns (Simply Wall St.)
Jun-01-23 12:47PM	4 Reasons Why Waterstone (WSBF) is an Attractive Pick Now (Zacks)
May-25-23 03:05PM	Waterstone Financial (WSBF) Rolls Out 2M Share Buyback Plan (Zacks)
May-24-23 04:00PM	Waterstone Financial, Inc. Announces Share Repurchase Program (GlobeNewswire)
May-06-23 08:10AM	Waterstone Financial's (NASDAQ:WSBF) investors will be pleased with their 9.0% return over the last five years (Simply Wall St.)
Apr-25-23 05:15PM	Waterstone Financial (WSBF) Q1 Earnings and Revenues Surpass Estimates (Zacks)
04:09PM	Waterstone: Q1 Earnings Snapshot (AP Finance)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2023 (GlobeNewswire)
Mar-26-23 08:11AM	Waterstone Financial's (NASDAQ:WSBF) Dividend Will Be $0.20 (Simply Wall St.)
Mar-22-23 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jan-30-23 06:42AM	Waterstone Financial Full Year 2022 Earnings: Misses Expectations (Simply Wall St.)
Jan-26-23 06:15PM	Waterstone Financial (WSBF) Q4 Earnings and Revenues Lag Estimates (Zacks) -6.45%
04:09PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2022 (GlobeNewswire)
Dec-22-22 05:44AM	With 62% institutional ownership, Waterstone Financial, Inc. (NASDAQ:WSBF) is a favorite amongst the big guns (Simply Wall St.)
Dec-15-22 05:59PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Nov-11-22 05:19AM	Waterstone Financial (NASDAQ:WSBF) shareholders have endured a 18% loss from investing in the stock a year ago (Simply Wall St.)
Oct-26-22 05:15PM	Waterstone Financial (WSBF) Q3 Earnings Miss Estimates (Zacks)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2022 (GlobeNewswire)
Oct-12-22 10:00AM	Citizens Financial Group (CFG) Expected to Beat Earnings Estimates: Should You Buy? (Zacks)
Oct-11-22 10:00AM	Analysts Estimate Waterstone Financial (WSBF) to Report a Decline in Earnings: What to Look Out for (Zacks)
Oct-01-22 08:15AM	Waterstone Financial (NASDAQ:WSBF) Has Announced A Dividend Of $0.20 (Simply Wall St.)
Sep-27-22 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Sep-14-22 09:40AM	Should Value Investors Buy Waterstone Financial (WSBF) Stock? (Zacks)
Aug-29-22 09:40AM	Are Investors Undervaluing Waterstone Financial (WSBF) Right Now? (Zacks)
Aug-11-22 09:40AM	Is Waterstone Financial (WSBF) Stock Undervalued Right Now? (Zacks)
Aug-05-22 09:40AM	Is Flagstar Bancorp (FBC) a Great Value Stock Right Now? (Zacks)
Jul-21-22 05:25PM	Waterstone Financial (WSBF) Lags Q2 Earnings and Revenue Estimates (Zacks)
04:01PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2022 (GlobeNewswire)
Jul-11-22 09:10AM	Waterstone Bank Launches Stepping Stone® Checking, Nationally Certified by Banking Advocates as Safe, Affordable Account (GlobeNewswire)
Jun-28-22 06:09AM	Waterstone Financial (NASDAQ:WSBF) Has Re-Affirmed Its Dividend Of US$0.20 (Simply Wall St.)
Jun-23-22 04:05PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jun-21-22 08:53AM	What Type Of Shareholders Make Up Waterstone Financial, Inc.'s (NASDAQ:WSBF) Share Registry? (Simply Wall St.)
May-07-22 08:08AM	Investors in Waterstone Financial (NASDAQ:WSBF) have unfortunately lost 11% over the last year (Simply Wall St.)
Apr-21-22 05:25PM	Waterstone Financial (WSBF) Q1 Earnings and Revenues Miss Estimates (Zacks) -9.97%
04:11PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2022 (GlobeNewswire)
Apr-14-22 09:40AM	Is Waterstone Financial (WSBF) a Great Value Stock Right Now? (Zacks)
Mar-23-22 11:19AM	Waterstone Financial (NASDAQ:WSBF) Is Due To Pay A Dividend Of US$0.20 (Simply Wall St.)
Mar-15-22 04:01PM	Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
Jan-27-22 05:45PM	Waterstone Financial (WSBF) Beats Q4 Earnings Estimates (Zacks)
04:05PM	Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2021 (GlobeNewswire)
Jan-26-22 08:35PM	Northfield Bancorp (NFBK) Q4 Earnings and Revenues Surpass Estimates (Zacks)
Jan-25-22 04:08PM	Waterstone Financial, Inc. Elects New President and Executive Vice Presidents (GlobeNewswire)
Jan-24-22 07:15PM	Southern Missouri Bancorp (SMBC) Surpasses Q2 Earnings and Revenue Estimates (Zacks)
Jan-20-22 03:01PM	Analysts Estimate Waterstone Financial (WSBF) to Report a Decline in Earnings: What to Look Out for (Zacks)

Waterstone Financial, Inc. operates as a loan holding company, which provides principal lending activities. The firm operates through the following segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers primarily within Southeastern Wisconsin. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. It also offers real estate and commercial business loans, and consumer loans. The company was founded in 1921 and is headquartered in Wauwatosa, WI.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Hansen Michael L	Director	Oct 27 '25	Sale	15.16	79,872	1,210,860	0	Oct 28 04:15 PM
Hansen Michael L	Director	Oct 27 '25	Sale	15.16	1,541	23,362	0	Oct 28 04:15 PM
Hansen, Michael L.	Director	Oct 27 '25	Proposed Sale	14.83	81,413	1,207,355		Oct 23 09:59 AM
Hansen Michael L	Director	Aug 13 '25	Sale	14.05	109,527	1,538,515	1,541	Aug 14 04:51 PM
Hansen Michael L	Director	Aug 12 '25	Sale	13.92	35,290	491,212	111,068	Aug 14 04:51 PM
Hansen Michael L	Director	Aug 11 '25	Sale	13.80	2,757	38,047	146,358	Aug 12 10:50 AM
Hansen Michael L	Director	Jul 24 '25	Sale	13.83	36,465	504,453	150,076	Jul 28 12:51 PM
Hansen Michael L	Director	Jul 25 '25	Sale	13.81	961	13,272	149,115	Jul 28 12:51 PM
Hansen, Michael L. (WSBF)	Director	Jul 24 '25	Proposed Sale	13.56	266,413	3,612,560		Jul 22 04:17 PM
Kristine Rappe	Director	Jun 11 '25	Proposed Sale	13.50	14,000	189,000		Jun 11 10:45 AM
Rappe, Kristine A. (WSBF)	Director	May 29 '25	Proposed Sale	12.73	14,305	182,103		May 29 01:35 PM
Gerke Mark Raymond	EVP/Chief Financial Officer	Feb 28 '25	Option Exercise	12.75	5,000	63,750	33,072	Mar 03 10:22 AM
Gerke Mark Raymond	EVP/Chief Financial Officer	Feb 28 '25	Sale	14.14	2,738	38,729	30,334	Mar 03 10:22 AM
Lawton Patrick S	Director	Feb 28 '25	Option Exercise	12.75	37,500	478,125	86,631	Mar 03 10:18 AM
Lawton Patrick S	Director	Feb 28 '25	Sale	14.03	37,500	526,061	49,131	Mar 03 10:18 AM
Patrick Lawton	Director	Feb 28 '25	Proposed Sale	14.00	37,500	525,000		Feb 28 01:52 PM
Mark Gerke	Officer	Feb 28 '25	Proposed Sale	17.33	3,000	52,000		Feb 28 01:52 PM
RAPPE KRISTINE A	Director	Feb 13 '25	Option Exercise	12.75	22,185	282,859	49,503	Feb 14 11:05 AM
RAPPE KRISTINE A	Director	Feb 13 '25	Sale	14.25	22,185	316,136	27,318	Feb 14 11:05 AM
Schmidt Stephen J	Director	Feb 11 '25	Option Exercise	12.75	6,211	79,190	76,289	Feb 12 08:55 AM
Schmidt Stephen J	Director	Feb 11 '25	Sale	13.79	6,211	85,644	70,078	Feb 12 08:55 AM
Schmidt Stephen J	Director	Feb 05 '25	Option Exercise	12.75	10,885	138,784	80,963	Feb 06 05:40 PM
Schmidt Stephen J	Director	Feb 06 '25	Option Exercise	12.75	3,097	39,487	73,175	Feb 06 05:40 PM
Schmidt Stephen J	Director	Feb 04 '25	Option Exercise	12.75	2,195	27,986	72,273	Feb 06 05:40 PM
Schmidt Stephen J	Director	Feb 05 '25	Sale	13.76	10,885	149,769	70,078	Feb 06 05:40 PM
Schmidt Stephen J	Director	Feb 06 '25	Sale	13.75	3,097	42,590	70,078	Feb 06 05:40 PM
Schmidt Stephen J	Director	Feb 04 '25	Sale	13.76	2,195	30,212	70,078	Feb 06 05:40 PM
RAPPE KRISTINE A	Director	Feb 05 '25	Option Exercise	12.75	10,270	130,942	37,588	Feb 06 05:39 PM
RAPPE KRISTINE A	Director	Feb 04 '25	Option Exercise	12.75	4,760	60,690	32,078	Feb 06 05:39 PM
RAPPE KRISTINE A	Director	Feb 05 '25	Sale	13.75	10,270	141,256	27,318	Feb 06 05:39 PM
RAPPE KRISTINE A	Director	Feb 04 '25	Sale	13.77	4,760	65,523	27,318	Feb 06 05:39 PM
Stephen Schmidt	Director	Feb 06 '25	Proposed Sale	13.75	9,308	127,985		Feb 06 03:33 PM
Kris Rappe	Director	Feb 05 '25	Proposed Sale	13.75	32,455	446,256		Feb 05 03:57 PM
RAPPE KRISTINE A	Director	Jan 31 '25	Option Exercise	12.75	19,879	253,457	47,197	Feb 03 02:33 PM
RAPPE KRISTINE A	Director	Jan 30 '25	Option Exercise	12.75	13,931	177,620	41,249	Feb 03 02:33 PM
RAPPE KRISTINE A	Director	Jan 31 '25	Sale	13.76	19,879	273,565	27,318	Feb 03 02:33 PM
RAPPE KRISTINE A	Director	Jan 30 '25	Sale	13.89	13,931	193,435	27,318	Feb 03 02:33 PM
Schmidt Stephen J	Director	Jan 31 '25	Option Exercise	12.75	14,928	190,332	85,006	Feb 03 02:32 PM
Schmidt Stephen J	Director	Jan 30 '25	Option Exercise	12.75	12,291	156,710	82,369	Feb 03 02:32 PM
Schmidt Stephen J	Director	Jan 31 '25	Sale	13.80	14,928	205,942	70,078	Feb 03 02:32 PM
Schmidt Stephen J	Director	Jan 30 '25	Sale	13.94	12,291	171,325	70,078	Feb 03 02:32 PM
Schmidt Stephen J	Director	Dec 11 '24	Option Exercise	12.75	478	6,094	70,556	Dec 12 11:56 AM
Schmidt Stephen J	Director	Dec 11 '24	Sale	15.12	478	7,227	70,078	Dec 12 11:56 AM
Schmidt Stephen J	Director	Nov 27 '24	Option Exercise	12.75	259	3,302	70,337	Nov 29 11:29 AM
Schmidt Stephen J	Director	Nov 27 '24	Sale	15.28	259	3,959	70,078	Nov 29 11:29 AM
Schmidt Stephen J	Director	Nov 25 '24	Option Exercise	12.75	2,194	27,974	72,272	Nov 27 10:14 AM
Schmidt Stephen J	Director	Nov 25 '24	Sale	15.78	2,194	34,617	70,078	Nov 27 10:14 AM
Schmidt Stephen J	Director	Nov 22 '24	Option Exercise	12.75	7,280	92,820	77,358	Nov 25 11:24 AM
Schmidt Stephen J	Director	Nov 22 '24	Sale	15.34	7,280	111,701	70,078	Nov 25 11:24 AM
Schmidt Stephen J	Director	Nov 21 '24	Option Exercise	12.75	10,000	127,500	80,078	Nov 22 11:42 AM
Schmidt Stephen J	Director	Nov 20 '24	Option Exercise	12.75	437	5,572	70,515	Nov 22 11:42 AM
Schmidt Stephen J	Director	Nov 21 '24	Sale	15.29	10,000	152,944	70,078	Nov 22 11:42 AM
Schmidt Stephen J	Director	Nov 20 '24	Sale	15.25	437	6,664	70,078	Nov 22 11:42 AM

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WSBF

Waterstone Financial Inc

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