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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| WSBF | +10.01% | +20.63% | +3.82% | +165% |
| S&P | +18.37% | +110.18% | +16.02% | +475% |
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.
While small bank stocks are more reliant on loans, they also face less regulatory scrutiny and could reap more profits from the Paycheck Protection Program.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $51.85M | 0.2% |
| Market Cap | $291.40M | 1.9% |
| Market Cap / Employee | $0.49M | 0.0% |
| Employees | 600 | -14.0% |
| Net Income | $7.93M | 67.6% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $469.06M | 193.2% |
| Short Term Debt | $255.73M | -54.4% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.06% | 0.5% |
| Return On Invested Capital | 5.13% | -0.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$38.51M | -26.3% |
| Operating Free Cash Flow | -$38.45M | -26.8% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 13.35 | 13.27 | 12.17 | 11.76 | -42.30% |
| Price to Book | 0.76 | 0.77 | 0.78 | 0.86 | 2.56% |
| Price to Sales | 1.22 | 1.23 | 1.26 | 1.39 | 1.76% |
| Price to Tangible Book Value | 0.76 | 0.77 | 0.78 | 0.86 | 2.56% |
| Return on Equity | 5.5% | 5.5% | 6.1% | 7.0% | 78.06% |
| Total Debt | $446.52M | $395.85M | $465.73M | $469.06M | -16.26% |
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