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Waterstone Financial(NASDAQ) WSBF

Current Price$20.11
Market Cap$362.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2005)+255%
5 Year+31%
1 Year+52%
1 Month+2%
Waterstone Financial last closing stock price
MetricPriceDate
Last closeUSD 20.062026-07-24
Waterstone Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.88%USD 19.692026-07-17
1 month+2.28%USD 19.612026-06-24
3 month+12.96%USD 17.762026-04-24
Year to date+24.51%USD 16.112025-12-31
1 year+51.57%USD 13.232025-07-24
3 year+55.31%USD 12.922023-07-25
5 year+31.22%USD 15.292021-07-23
Since inception+254.95%USD 5.652005-10-05

Waterstone Financial Financials at a Glance

Market Cap

$362.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$162.01M

Net Income (TTM)

$30.10M

EPS (TTM)

$1.73

P/E Ratio

11.62

Dividend

$0.64

Beta (Volatility)

0.52 (Low)

Price

$20.11

Volume

1,364

Open

$20.31

Previous Close

$20.06

Daily Range

$20.09 - $20.36

52-Week Range

$13.08 - $21.03

Estimated Earnings Date

Oct 22, 2026

WSBF News

Foolcom-Featured.png

Waterstone Financial Boosts Q2 Profits

Motley Fool Markets TeamJul 25, 2025
Generic Bank Getty

The Pros and Cons of Smaller Bank Stocks

Bram BerkowitzAug 24, 2020

I’m Selling Waterstone Financial for Something Better

Jim RoyalJul 8, 2014
8-9-13 TMF - Mortgage rate chart

The Threat From Higher Mortgage Rates: Truth vs. Fiction

Matt KoppenhefferAug 11, 2013

WSBF: Motley Fool Moneyball Superscore

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About Waterstone Financial

Waterstone Financial helps people in Wisconsin manage their daily money. It provides savings accounts and loans for buying new homes. The company helps families across the country get mortgages.

What Does Waterstone Do?

  • Community Banking: Offers checking accounts, savings plans, and certificates of deposit to local Wisconsin residents.
  • Mortgage Banking: Originates single-family residential loans for sale into the secondary market.
  • Commercial Lending: Provides real estate financing, term loans, and business lines of credit for corporate use.
  • Investment Services: Manages a portfolio of mortgage-backed securities and municipal bonds through a dedicated Nevada subsidiary.

Steps for Growth

  • Utilized Waterstone Mortgage Corporation to originate and sell home loans to national investors.
  • Operated Wauwatosa Investments, Inc to manage the majority of the firm's consolidated investment portfolio.
  • Maintained 14 full-service banking offices in Milwaukee, Washington, and Waukesha Counties as of March 2026.
  • Secured funding for regional loan production through Federal Home Loan Bank advances and retail deposits.

Local Roots and National Reach

Waterstone maintains a deep geographic focus on southeastern Wisconsin while operating a mortgage business with broader market reach. This strategy combines steady local deposit gathering with the higher-volume activity of the national secondary mortgage market.

Recent Financial Performance

  • Revenue was $49.2 million in Q1 2026, up 12.1% from Q1 2025.
  • Net income reached $6.0 million in Q1 2026, up 97.5% from the same period last year.
  • Operating income hit $7.6 million in Q1 2026, up 94.6% year-over-year.
  • Total assets were $2.25 billion at March 31, 2026, compared to $2.26 billion at December 31, 2025.

The Final Word

Waterstone has evolved from a local savings institution into a diversified financial services company. Its balanced focus on traditional community banking and national mortgage sales allows it to adapt to changing interest rate environments.

AI Generated • May 12, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

593

CEO

William F. Bruss

Website

wsbf.q4ir.com

Headquarters

Wauwatosa, WI 53226, US

WSBF Financials

Key Financial Metrics (TTM)

Gross Margin

65.42%

Operating Margin

12.28%

Net Income Margin

18.58%

Return on Equity

8.64%

Return on Capital

4.39%

Return on Assets

1.34%

Earnings Yield

8.61%

Dividend Yield

3.19%

Payout Ratio

35.43%

Stock Overview

Market Cap

$362.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

18.05M

Volume

1.36K

Avg. Volume

72.74K

Financials (TTM)

Gross Profit

$105.99M

Operating Income

$19.90M

EBITDA

$21.17M

Operating Cash Flow

-$3.21M

Capital Expenditure

-$1.89M

Free Cash Flow

-$5.10M

Cash & ST Invst.

$275.55M

Total Debt

$412.00M

Waterstone Financial Performance Analysis

Waterstone Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 186,126,000-31.8%
20232023-12-31USD 181,919,000-2.3%
20242024-12-31USD 202,836,00011.5%
20252025-12-31USD 201,607,000-0.6%
Waterstone Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-2.0%
Q42025-12-316.1%
Q12026-03-31-9.3%
Q22026-06-30-85.2%
Waterstone Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.89-70.1%
20232023-12-31USD 0.46-47.6%
20242024-12-31USD 1.01116.6%
20252025-12-31USD 1.4847.0%
Waterstone Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.3%
Q42025-12-31N/A
Q12026-03-31-22.7%
Q22026-06-3047.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$7.29M

-86.0%

Gross Profit

-$6.53M

-117.5%

Gross Margin

-89.49%

N/A

Market Cap

$362.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$610.70K

N/A

Employees

593

N/A

Net Income

$8.46M

+9.5%

EBITDA

-$8.47M

-182.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$275.55M

-2.4%

Total Debt

$412.00M

-11.5%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$412.00M

+61.1%

Return on Assets

1.34%

N/A

Return on Invested Capital

4.74%

N/A

Free Cash Flow

-$1.64M

-106.2%

Operating Cash Flow

-$647.00K

-102.4%

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Questions About WSBF

What is the current price of Waterstone Financial?

Waterstone Financial is trading at $20.11 per share.

What is the 52-week range for Waterstone Financial?

Over the past 52 weeks, Waterstone Financial has traded between $13.08 and $21.03.

How much debt does Waterstone Financial have?

As of the most recent reporting period, Waterstone Financial reported total debt of $412.00M.

How much cash does Waterstone Financial have on hand?

Waterstone Financial does not have cash on hand data available.

What is Waterstone Financial’s dividend yield?

Waterstone Financial currently has a dividend yield of 3.19%.

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