Part of the financial services sector, Waterstone Financial, Inc. (WSBF) is listed under Banks - Regional. Valued at $355.5M, WSBF is a small-cap name in its sector. It operates in two segments, Community Banking and Mortgage Banking.
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Waterstone Financial, Inc. carries $421.3M in total debt against $54.2M in cash reserves — debt is roughly 7.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 8.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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.
Waterstone Financial, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Waterstone Financial, Inc. and its sector.