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Waterstone Financial(NASDAQ) WSBF

Market Cap$386.78MMarket 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)+281%
5 Year+36%
1 Year+50%
1 Month+3%
Premium Feature
Moneyball Superscore
50/100
$21.51
+0.75%
+0.16Today
After hours$21.50-$0.01 (-0.05%)
Waterstone Financial last closing stock price
MetricPriceDate
Last closeUSD 21.522026-09-04
Waterstone Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.11%USD 21.072026-08-28
1 month+2.67%USD 20.962026-08-05
3 month+15.54%USD 18.622026-06-05
Year to date+33.54%USD 16.112025-12-31
1 year+50.3%USD 14.312025-09-04
3 year+97.21%USD 10.912023-09-05
5 year+36.15%USD 15.802021-09-03
Since inception+280.69%USD 5.652005-10-05

Waterstone Financial Financials at a Glance

Market Cap

$386.78MMarket 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

12.47

Dividend

$0.64

Beta (Volatility)

0.51 (Low)

Price

$21.51

Volume

77,260

Open

$21.31

Previous Close

$21.52

Daily Range

$21.31 - $21.59

52-Week Range

$14.52 - $21.59

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, Inc. helps Wisconsin families and businesses manage money. Its banking services provide safe places for people to save. The company also assists home buyers with residential mortgage loans.

What They Offer

  • Community Banking: Local banking services including checking, savings, and commercial loans for Wisconsin customers.
  • Mortgage Banking: Residential mortgage loan originations through offices in 24 states for sale to other financial institutions.
  • Trust and Investments: Wealth management services including annuities, insurance policies, and investment accounts for individual clients.

Recent Moves and Shifts

  • Authorized a 2.0 million share stock repurchase program on April 27, 2026.
  • Increased mortgage loan production volume by 15.7% at the mortgage banking segment during the first half of 2026.
  • Shifted the deposit funding strategy toward money market and savings accounts to optimize interest costs.

What Makes Waterstone Stand Out

Waterstone Financial operates a dual-model approach that combines traditional local banking in Wisconsin with a multi-state mortgage business. This structure allows the company to generate income from both interest on loans and fees from selling mortgages to other financial institutions.

Key Results by the Numbers

  • Net interest income was $16.0 million for the three months ended June 30, 2026, up 16.8% year over year.
  • Mortgage banking noninterest income was $41.5 million for the six-month period ended June 30, 2026, up 8.1% year over year.
  • Total assets were $2.25 billion as of June 30, 2026, compared to $2.26 billion at Dec. 31, 2025.
  • Consolidated mortgage loan origination volume was $1.12 billion for the six months ended June 30, 2026, up 14.7% year over year.
  • Price-to-earnings ratio was 10.6 for the quarter ended June 30, 2026.

A Diverse Financial Strategy

Waterstone Financial has evolved from a local savings institution into a diversified financial firm with a significant mortgage footprint. The company maintains a strong capital position while balancing traditional community banking with national lending operations.

AI Generated • Aug 7, 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

8.02%

Dividend Yield

2.97%

Payout Ratio

35.94%

Stock Overview

Market Cap

$386.78MMarket 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

17.98M

Volume

77.26K

Avg. Volume

74.39K

Financials (TTM)

Gross Profit

$105.99M

Operating Income

$19.90M

EBITDA

$21.17M

Operating Cash Flow

$44.74M

Capital Expenditure

-$1.97M

Free Cash Flow

$42.78M

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

$386.78MMarket 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

$652.23K

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

$9.37M

+124.3%

Operating Cash Flow

$9.50M

+124.7%

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Questions About WSBF

What is the current price of Waterstone Financial?

Waterstone Financial is trading at $21.52 per share.

What is the 52-week range for Waterstone Financial?

Over the past 52 weeks, Waterstone Financial has traded between $14.52 and $21.59.

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 2.97%.

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