Waterstone Financial, Inc.
WSBFFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Waterstone Financial, Inc. focuses on Banks - Regional services and products. Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. Valued at $358.6M, WSBF is a small-cap name in its sector. It operates in two segments, Community Banking and Mortgage Banking.
Market Cap
$358.6M
Beta
0.74
P/E (TTM)
11.53
P/E (Fwd)
19.75
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
29.9%
Annual Financials
Cash vs Debt
Where WSBF stands vs its 150-day and 200-day moving averages
As of the October 19, 2026 close, WSBF finished 3.43% above its 150-day moving average ($19.25) and 6.24% above its 200-day moving average ($18.74). 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 October 19, 2026 close, WSBF's RSI(14) was 47.4, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $47.7M in cash, though total debt stands at $420.7M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. 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.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Waterstone Financial, Inc. and its sector.