Waterstone Financial, Inc.
WSBF
NASDAQ·Financial Services·Banks - Regional·Mkt cap $388.4M
$21.52
▲ +0.77%
P/E
12.58
Mkt Cap
$388.4M
52-Wk Range
$14.52–$21.59
52-Week Range
$14.52 - $21.59
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 45.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Century-long operating history and established community relationships in southeastern Wisconsin
- Diversified revenue streams across consumer banking, commercial lending, and mortgage banking
- Integrated digital banking platform with online banking, bill pay, and mobile services
- Strong local market presence with 14 full-service branches in high-growth Milwaukee metropolitan area
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
No forward estimates available
Expansion of commercial real estate and business lending in growing Wisconsin markets
Value
Valuation data unavailable
Momentum
Strong
+15.7% over 3m
Quality
Excellent
Emerging growth company (-82% revenue growth). Early stage with higher risk.
Dividend
Solid
2.97% yield
Smart-money signal
Who's buying WSBF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $0.49 vs $0.66 consensus (-25.8% surprise). Revenue of $7.3M vs $65.8M expected (-88.9%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-25.8%
Revenue trend · last 8Q
—
+12%
-8%
+2%
+9%
+73%
+1%
-82%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$33.4M
$31.4M
$28.8M
$52.2M
$51.2M
$54.3M
$29.0M
$9.4M
Margins · last 8Q
Gross
—
Operating
-80.7%
Profit
90.4%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How WSBF stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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