Waterstone Financial, Inc.
WSBFFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Waterstone Financial, Inc. (WSBF) is listed under Banks - Regional. With a market capitalization of $386.8M, it sits in small-cap territory. It operates in two segments, Community Banking and Mortgage Banking.
Market Cap
$386.8M
Beta
0.71
P/E (TTM)
12.44
P/E (Fwd)
21.30
EPS (TTM)
$1.73
EPS (Fwd)
$1.01
ROE
8.7%
ROA
1.3%
Cash
$47.7M
Total Debt
$420.7M
Free CF
—
52W Change
45.5%
Annual Financials
Cash vs Debt
Where WSBF stands vs its 150-day and 200-day moving averages
As of the August 24, 2026 close, WSBF finished 13.08% above its 150-day moving average ($18.65) and 17.56% above its 200-day moving average ($17.94). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is WSBF overbought or oversold?
At the August 24, 2026 close, WSBF's RSI(14) was 57.4, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, WSBF has $47.7M in cash with $420.7M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 8.7%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $157.8M to $138.9M.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Waterstone Financial, Inc.'s trajectory.