NASDAQ · Banks - Regional

WSBF (WSBF) Stock

$20.12 +0.30% NASDAQ: WSBF Financial Services

Valuation

MetricValue
Price$20.12
Market Cap$363.23M
P/E Ratio12.49
P/B Ratio0.96
P/S Ratio1.61
EPS (TTM)$1.48
52-Week High$21.00
52-Week Low$13.08
Dividend Yield3.36%

Financials & Margins

MetricValue
ROE7.45%
ROA1.15%
ROCE9.43%
Gross Margin16.83%
Operating Margin16.34%
Net Margin14.19%
Debt/Equity1.19
Current Ratio0.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$268.0M$171.0M$177.0M$199.0M$202.0M
Operating Profit$92.0M$24.0M$11.0M$24.0M$33.0M
Net Profit$71.0M$19.0M$9.0M$19.0M$26.0M
EPS$2.96$0.89$0.46$1.01$1.48
Op Margin34.3%14.3%6.2%12.0%16.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.2B$2.0B$2.2B$2.2B$2.3B
Total Liabilities$1.8B$1.7B$1.9B$1.9B$1.9B
Cash$363.0M$36.0M$31.0M$35.0M$64.0M
Borrowings$477.0M$387.0M$466.0M$447.0M$412.0M

Latest News

Waterstone Financial Declares Regular Quarterly Cash Dividend GlobeNewswire · Jun 23, 2026 The Zacks Analyst Blog NVIDIA, Mastercard, AbbVie, Waterstone and Precipio Zacks · May 13, 2026 Top Stock Reports for NVIDIA, Mastercard & AbbVie Zacks · May 12, 2026 Waterstone Financial's Q1 Earnings Jump Y/Y on Mortgage Growth Zacks · Apr 29, 2026 Waterstone Financial Expands Share Repurchase Program MT Newswires · Apr 27, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$142.0M$207.0M$-28.0M$48.0M$19.0M
Investing Cash Flow$159.0M$-336.0M$-160.0M$-25.0M$-5.0M
Financing Cash Flow$41.0M$-80.0M$-32.0M$155.0M$59.0M
Net Cash Flow$282.0M$-330.0M$-10.0M$3.0M$31.0M
Free Cash Flow$141.0M$206.0M$-28.0M$47.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y43.10%
Return 3Y47.29%
Return 5Y29.28%

Ownership

Insiders Held18.63%
Institutions Held53.39%
Institutions Float Held65.62%
Institutional HolderSharesReport Date
Blackrock Inc.1,505,9892026-03-31
Dimensional Fund Advisors LP1,413,5022026-03-31
Renaissance Technologies, LLC1,094,4712026-03-31
Vanguard Capital Management LLC700,2372026-03-31
State Street Corporation394,5152026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCML $30.75 +0.59% 14.22 $335.46M 3.39%
CBAN $22.21 +2.16% 12.45 $469.96M 2.37%
CZNC $25.10 +2.03% 14.51 $449.71M 5.29%
FNLC $35.44 +1.58% 9.50 $399.61M 5.24%
FSBW $43.06 -0.49% 9.50 $319.27M 3.43%

About WSBF

WSBF is led by CEO William F. Bruss, publicly traded since 2005.

WSBF stock trades at $20.12 with a market capitalization of $363.23M. The stock is valued at a price-to-earnings (P/E) ratio of 12.49, price-to-book of 0.96, price-to-sales of 1.61. Over the past 52 weeks the stock has ranged between $13.08 and $21.00, and currently trades 4.2% below its 52-week high. It pays a dividend yielding 3.36%.

On profitability, WSBF generates a return on equity (ROE) of 7.45%, return on capital employed of 9.43%, an operating margin of 16.34%, a net profit margin of 14.19%.

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