Waterstone Financial, Inc.
WSBFFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeWaterstone 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. At a $334.5M market cap, Waterstone Financial, Inc. ranks as a small-cap company within financial services. It operates in two segments, Community Banking and Mortgage Banking.
Market Cap
$334.5M
Beta
0.73
P/E (TTM)
11.23
P/E (Fwd)
18.35
EPS (TTM)
$1.65
EPS (Fwd)
$1.01
ROE
8.5%
ROA
1.3%
Cash
$54.2M
Total Debt
$421.3M
Free CF
—
52W Change
41.7%
Annual Financials
Cash vs Debt
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.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing WSBF.