What is Waterstone Financial, Inc.'s (WSBF) StockRank?

MoatMap's StockRank for Waterstone Financial, Inc. (WSBF) is 79/100, with a Buy signal. This is a composite score combining Quality (49), Value (59), and Momentum (65) factor ranks across MoatMap's 20,000+ stock universe.

Does Waterstone Financial, Inc. have an economic moat?

Waterstone Financial, Inc. (WSBF) has a Quality factor score of 49/100. 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 financial 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 79/100. 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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WSBF

BUY

Waterstone Financial, Inc. · Financial Services · United States · $362M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

11.8x

ROE

8.5%

D/E

1.2x

Dividend %

3.1%

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	157.8M	128.0M	132.4M	138.9M	-4.2%	148.5M
EPS	0.89	0.47	1.01	1.48	18.5%	1.65
Shares	22.2M	20.3M	19.3M	18.4M	-17.2%	18.1M
Debt	385.7M	464.0M	443.6M	406.1M	1.7%	421.3M
Equity	370.5M	344.1M	339.1M	349.4M	-1.9%	—
Op CF	206.7M	-27.6M	48.1M	24.2M	-51.1%	-3.2M
Inv CF	-335.7M	-159.2M	-24.0M	-8.7M	—	—
Fin CF	-201.0M	176.6M	-20.8M	15.9M	—	—

Loading 1Y...

PRICE (1Y)+2.5%

SMA 50SMA 200

$20.12

RSI (14)

53.9

52W High

$20.85

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*46.0

ROE

8.5%43.7

GP/Assets

6.6%N/A

Op. Margin

21.3%40.3

FCF/Assets

-0.2%N/A

Piotroski

565.2

Int. Cover

—50.0

D/E Ratio

1.16xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.8x60.0

EV/EBITDA

bankN/A

P/FCF

bankN/A

P/B

1.0x62.9

P/S

2.4x72.1

Div Yield

3.1%40.5

Momentum

52W High %

96%70.8

RS 6M

8%72.3

SMA 50/200

1.11x77.4

EPS Rev 4W

0.0%69.8

EPS Rev 12W

—N/A

EPS Improve

-39%6.4

Q Growth

98%84.2

FUNDAMENTALS

Market Cap

$362M

P/E (Forward)

19.3x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WSBF are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
WSBF	Waterstone Financial, Inc.(you)	$362M	79	BUY
NWFL	Norwood Financial Corp.	$355M	80	STRONG BUY
FVCB	FVCBankcorp, Inc.	$324M	78	BUY
NECB	Northeast Community Bancorp, Inc.	$369M	76	BUY
PLBC	Plumas Bancorp	$427M	79	BUY
PCB	PCB Bancorp	$400M	76	BUY
FUNC	First United Corporation	$288M	79	BUY
BPRN	Princeton Bancorp, Inc.	$278M	78	BUY
COSO	CoastalSouth Bancshares, Inc.	$325M	75	BUY
BWFG	Bankwell Financial Group, Inc.	$496M	80	STRONG BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

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

Waterstone Financial, Inc. (WSBF) has a MoatMap StockRank of 79/100 based on Quality (49/100), Value (59/100), and Momentum (65/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$20.12
Market Cap	$362M
P/E (TTM)	11.79
P/E (Forward)	19.27
Price/Book	0.98
Return on Equity	8.5%
Debt/Equity	1.16x
Operating Margin	21.3%
Revenue Growth	17.2%
Dividend Yield	3.1%
Free Cash Flow	$-5M

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 79/100, with a Buy signal. It is a composite of Quality (49), Value (59), and Momentum (65) factor ranks across MoatMap’s 20,000+ stock universe.
Does Waterstone Financial, Inc. have an economic moat?: Waterstone Financial, Inc. (WSBF) has a Quality factor score of 49/100. 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 79/100. 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).