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

MoatMap's StockRank for Waterstone Financial, Inc. (WSBF) is 65/100, with a Hold signal. This is a composite score combining Quality (50), Value (54), and Momentum (56) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Waterstone Financial, Inc. have an economic moat?

Waterstone Financial, Inc. (WSBF) has a Quality factor score of 50/100. 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 Hold, based on a StockRank of 65/100. 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).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

WSBF

HoldSecond Wind

Waterstone Financial, Inc. · Financial Services · United States · $379M · Avg Vol: $1M/d

StockRank

Get insider-trade alerts

P/E (TTM)

12.4x

ROE

8.7%

D/E

1.2x

Dividend %

3.0%

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%	150.5M
EPS	0.89	0.47	1.01	1.48	18.5%	1.73
Shares	22.2M	20.3M	19.3M	18.4M	-17.2%	18.0M
Debt	385.7M	464.0M	443.6M	406.1M	1.7%	420.7M
Equity	370.5M	344.1M	339.1M	349.4M	-1.9%	—
Op CF	206.7M	-27.6M	48.1M	24.2M	-51.1%	44.7M
Inv CF	-335.7M	-159.2M	-24.0M	-8.7M	—	—
Fin CF	-201.0M	176.6M	-20.8M	15.9M	—	—

Loading 1Y...

PRICE (1Y)+2.6%

SMA 50SMA 200

$21.11

RSI (14)

54.2

52W High

$21.59

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*46.0

ROE

8.7%43.3

GP/Assets

6.7%N/A

Op. Margin

26.6%42.9

FCF/Assets

-0.2%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

1.16xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

12.4x53.1

EV/EBITDA

bankN/A

P/FCF

bankN/A

P/B

1.1x55.2

P/S

2.6x66.9

Div Yield

3.0%41.7

Momentum

52W High %

98%90.8

RS 6M

8%68.7

SMA 50/200

1.12x78.6

EPS Rev 4W

0.0%27.7

EPS Rev 12W

0.0%38.4

EPS Improve

-42%6.2

Q Growth

10%39.1

FUNDAMENTALS

Market Cap

$379M

P/E (Forward)

21.3x

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)	$379M	65	Hold
ISTR	Investar Holding Corporation	$417M	65	Buy
CBK	Commercial Bancgroup, Inc.	$467M	64	Hold
PCB	PCB Bancorp	$386M	69	Buy
CZNC	Citizens & Northern Corporation	$458M	63	Hold
USCB	USCB Financial Holdings, Inc.	$414M	61	Hold
COSO	CoastalSouth Bancshares, Inc.	$329M	61	Hold
FRBA	First Bank	$443M	61	Hold
NECB	Northeast Community Bancorp, Inc.	$364M	71	Buy
JMSB	John Marshall Bancorp, Inc.	$324M	60	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Waterstone Financial, Inc. (WSBF) has a MoatMap StockRank of 65/100 based on Quality (50/100), Value (54/100), and Momentum (56/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$21.11
Market Cap	$379M
P/E (TTM)	12.44
P/E (Forward)	21.30
Price/Book	1.08
Return on Equity	8.7%
Debt/Equity	1.16x
Operating Margin	26.6%
Revenue Growth	5.2%
Dividend Yield	3.0%
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 65/100, with a Hold signal. It is a composite of Quality (50), Value (54), and Momentum (56) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Waterstone Financial, Inc. have an economic moat?: Waterstone Financial, Inc. (WSBF) has a Quality factor score of 50/100. 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 Hold, based on a StockRank of 65/100. 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).