Waterstone Financial, Inc. (WSBF) — Stock Score Summary

Waterstone Financial, Inc. (WSBF) has a MoatMap StockRank of 71/100 based on Quality (38/100), Value (45/100), and Momentum (72/100) factor scores. The current signal is BUY. Waterstone Financial is a small regional bank with no structural competitive advantages, highly exposed to local real estate cycles and net interest margin compression.

Waterstone Financial is the bank holding company for WaterStone Bank, operating a community-focused banking model alongside a highly active, nationwide mortgage banking subsidiary, Waterstone Mortgage. The company leverages its strong regional deposit franchise in southeastern Wisconsin to fund high-margin lending activities. This dual-engine business model provides diversified revenue streams, combining stable community banking net interest income with cyclical mortgage origination fees.

Key Financial Metrics

Price$18.97
Market Cap$337M
P/E (TTM)11.27
P/E (Forward)18.42
Price/Book0.93
Return on Equity8.5%
Gross Margin0.0%
Operating Margin21.3%
Revenue Growth17.2%
Dividend Yield3.7%

Waterstone Financial, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Waterstone Financial, Inc.’s (WSBF) StockRank?
MoatMap’s StockRank for Waterstone Financial, Inc. (WSBF) is 71/100, with a Buy signal. It is a composite of Quality (38), Value (45), and Momentum (72) factor ranks across MoatMap’s 19,000+ stock universe.
Does Waterstone Financial, Inc. have an economic moat?
Waterstone Financial, Inc. (WSBF) has a Quality factor score of 38/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Waterstone Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for Waterstone Financial, Inc. (WSBF) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Waterstone Financial, Inc. in?
Waterstone Financial, Inc. (WSBF) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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