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Waterstone Financial Inc
NASDAQ:WSBF

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Waterstone Financial Inc Logo
Waterstone Financial Inc
NASDAQ:WSBF
Watchlist
Price: 18.44 USD 8.28% Market Closed
Market Cap: $340.4m
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
-1%
5Y
+3%
10Y
+36%
Non Interest Income
+
3Y
-37%
5Y
-60%
10Y
-19%
Net Income
+
3Y
-23%
5Y
-62%
10Y
+51%

Income Statement
Waterstone Financial Inc

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Income Statement
Currency: USD
Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Net Interest Income
38
38
39
40
41
41
40
38
37
37
36
35
35
35
39
41
43
44
42
44
46
48
49
50
49
49
48
47
45
44
43
42
42
41
40
39
39
39
41
41
41
40
39
39
39
40
41
43
45
48
49
51
52
53
54
54
54
53
53
52
52
52
52
54
55
56
57
56
53
53
55
57
59
57
54
50
48
46
45
46
48
51
54
Interest Income
72
74
77
80
83
86
89
92
94
96
97
97
98
99
103
104
105
104
101
99
97
94
92
90
87
85
82
79
77
75
73
70
68
66
64
63
62
62
63
64
64
63
62
62
63
63
63
64
64
65
66
67
68
70
72
74
76
77
79
80
80
80
79
79
77
75
73
70
67
66
66
70
77
85
93
99
104
108
111
113
114
115
115
Interest Expense
34
36
19
21
33
45
49
54
57
59
61
62
63
64
63
63
62
61
58
55
50
46
43
40
38
36
34
33
32
31
30
28
26
25
24
24
23
23
22
22
23
23
23
23
23
23
22
20
19
17
16
16
16
17
18
20
22
24
26
28
28
28
27
25
22
19
16
14
14
12
12
13
18
27
39
49
57
62
66
67
66
64
61
Non Interest Income
3
3
3
4
4
5
5
5
6
6
6
7
5
5
2
6
0
2
5
12
9
11
18
39
35
37
38
43
40
53
67
91
92
98
93
88
82
78
81
85
90
97
102
105
104
109
118
126
131
132
127
124
124
120
121
118
117
119
123
131
138
170
208
244
269
254
231
203
177
156
130
106
94
87
81
81
84
87
87
89
85
83
83
Revenue
41
N/A
41
+1%
42
+2%
44
+3%
45
+3%
46
+2%
45
-2%
44
-3%
43
-2%
42
-1%
42
-1%
42
-1%
40
-4%
40
+1%
42
+3%
47
+14%
43
-9%
46
+6%
48
+5%
56
+17%
55
-2%
58
+6%
67
+14%
89
+33%
84
-6%
86
+2%
86
+1%
90
+4%
85
-6%
97
+14%
111
+14%
133
+20%
133
+0%
139
+4%
133
-4%
127
-5%
121
-5%
118
-2%
122
+4%
126
+3%
131
+4%
138
+6%
142
+3%
143
+1%
143
0%
149
+4%
159
+7%
170
+7%
176
+4%
179
+2%
177
-1%
175
-1%
176
+0%
173
-2%
175
+1%
172
-1%
171
-1%
172
+1%
175
+2%
183
+4%
190
+4%
222
+17%
260
+17%
298
+14%
324
+9%
310
-4%
288
-7%
259
-10%
230
-11%
209
-9%
185
-12%
163
-12%
153
-6%
144
-6%
135
-6%
131
-3%
131
+0%
132
+1%
132
0%
135
+2%
133
-2%
134
+1%
137
+2%
Pre-Tax Income
Loan Loss Provision
(1)
(1)
(1)
(2)
(1)
(2)
(3)
(2)
(2)
(8)
(9)
(12)
(14)
(17)
(37)
(38)
(42)
(37)
(22)
(27)
(25)
(29)
(26)
(26)
(25)
(24)
(23)
(22)
(21)
(17)
(13)
(8)
(6)
(6)
(5)
(5)
(3)
(2)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(1)
(1)
(0)
1
1
1
1
1
1
1
1
1
1
1
1
0
0
0
0
1
2
3
4
3
2
1
(1)
(2)
(2)
(2)
(1)
(0)
0
1
0
1
1
0
Non Interest Expense
(22)
(24)
(24)
(29)
(31)
(32)
(34)
(29)
(29)
(29)
(28)
(29)
(27)
(28)
(29)
(34)
(30)
(31)
(31)
(41)
(37)
(39)
(47)
(65)
(62)
(66)
(66)
(75)
(67)
(75)
(84)
(102)
(99)
(103)
(102)
(99)
(99)
(99)
(102)
(105)
(108)
(112)
(115)
(116)
(114)
(117)
(122)
(127)
(131)
(133)
(132)
(132)
(133)
(132)
(134)
(133)
(132)
(133)
(133)
(136)
(143)
(160)
(178)
(189)
(196)
(188)
(177)
(171)
(163)
(154)
(147)
(137)
(131)
(127)
(121)
(120)
(118)
(117)
(116)
(112)
(110)
(109)
(107)
Pre-Tax Income
17
N/A
17
-2%
17
+3%
13
-27%
13
+2%
12
-7%
8
-33%
13
+61%
12
-9%
6
-46%
5
-17%
1
-75%
(1)
N/A
(5)
-237%
(25)
-430%
(24)
+2%
(29)
-19%
(22)
+25%
(6)
+74%
(11)
-101%
(7)
+37%
(10)
-41%
(7)
+30%
(2)
+74%
(3)
-94%
(4)
-7%
(3)
+9%
(7)
-103%
(3)
+54%
4
N/A
13
+198%
23
+73%
28
+23%
30
+6%
26
-11%
23
-12%
19
-20%
17
-11%
19
+14%
20
+5%
22
+9%
24
+11%
25
+3%
26
+4%
27
+5%
31
+15%
36
+16%
42
+17%
46
+10%
47
+3%
46
-3%
44
-3%
44
-2%
43
-2%
42
-1%
40
-5%
40
-1%
40
+1%
43
+8%
48
+11%
47
-1%
62
+32%
83
+33%
108
+30%
128
+19%
124
-3%
113
-9%
92
-19%
71
-23%
57
-19%
40
-31%
25
-38%
20
-17%
15
-25%
12
-20%
11
-10%
13
+18%
15
+16%
17
+14%
24
+40%
23
-4%
26
+11%
30
+15%
Net Income
Tax Provision
(7)
(8)
(8)
(6)
(5)
(4)
(3)
(5)
(4)
(2)
(2)
0
1
3
(5)
(2)
(2)
(5)
4
1
1
1
1
(0)
(0)
1
1
(1)
(1)
(1)
(1)
12
9
6
4
(9)
(7)
(6)
(7)
(7)
(8)
(9)
(9)
(9)
(10)
(11)
(14)
(17)
(18)
(18)
(17)
(16)
(14)
(13)
(11)
(10)
(9)
(9)
(10)
(12)
(12)
(15)
(21)
(27)
(32)
(31)
(27)
(21)
(16)
(12)
(8)
(5)
(4)
(3)
(2)
(2)
(3)
(3)
(4)
(5)
(4)
(5)
(6)
Income from Continuing Operations
10
9
9
6
8
8
5
8
7
4
4
2
0
(1)
(30)
(26)
(31)
(27)
(2)
(10)
(6)
(9)
(6)
(2)
(4)
(3)
(3)
(8)
(4)
3
12
35
37
36
31
15
12
11
12
13
14
15
16
17
17
20
22
26
28
29
29
29
29
30
31
31
30
31
33
36
35
47
62
81
96
93
86
71
55
45
31
20
16
12
10
9
10
12
13
19
19
21
24
Net Income (Common)
10
N/A
9
-5%
9
+4%
6
-32%
8
+27%
8
-7%
5
-33%
8
+60%
7
-8%
4
-46%
4
-12%
2
-55%
0
-96%
(1)
N/A
(30)
-2 384%
(26)
+11%
(31)
-16%
(27)
+13%
(2)
+92%
(10)
-370%
(6)
+37%
(9)
-39%
(6)
+35%
(2)
+67%
(4)
-87%
(3)
+15%
(3)
+9%
(8)
-174%
(4)
+50%
3
N/A
12
+285%
35
+198%
37
+7%
36
-3%
31
-14%
15
-52%
12
-19%
11
-10%
12
+14%
13
+3%
14
+9%
15
+11%
16
+3%
17
+5%
17
+5%
20
+14%
22
+12%
26
+15%
28
+11%
29
+4%
29
0%
26
-11%
26
+1%
27
+2%
28
+5%
31
+9%
30
-1%
31
+1%
33
+7%
36
+10%
35
-1%
47
+32%
62
+33%
81
+31%
96
+19%
93
-3%
86
-8%
71
-18%
55
-23%
45
-18%
31
-31%
20
-37%
16
-16%
12
-24%
10
-16%
9
-10%
10
+9%
12
+17%
13
+12%
19
+39%
19
0%
21
+11%
24
+15%
EPS (Diluted)
0.27
N/A
0.28
+4%
0.27
-4%
0.19
-30%
0.23
+21%
0.2
-13%
0.13
-35%
0.22
+69%
0.2
-9%
0.1
-50%
0.09
-10%
0.04
-56%
0
N/A
-0.04
N/A
-0.89
-2 125%
-0.79
+11%
-0.92
-16%
-0.8
+13%
-0.07
+91%
-0.3
-329%
-0.19
+37%
-0.26
-37%
-0.16
+38%
-0.05
+69%
-0.1
-100%
-0.09
+10%
-0.09
N/A
-0.22
-144%
-0.12
+45%
0.08
N/A
0.34
+325%
1.02
+200%
1.08
+6%
1.04
-4%
0.88
-15%
0.43
-51%
0.34
-21%
0.31
-9%
0.36
+16%
0.38
+6%
0.41
+8%
0.59
+44%
0.55
-7%
0.56
+2%
0.64
+14%
0.73
+14%
0.81
+11%
0.93
+15%
1.03
+11%
1.06
+3%
1.05
-1%
0.93
-11%
0.94
+1%
0.96
+2%
1.01
+5%
1.11
+10%
1.13
+2%
1.15
+2%
1.26
+10%
1.37
+9%
1.37
N/A
1.9
+39%
2.54
+34%
3.3
+30%
4.02
+22%
3.87
-4%
3.58
-7%
2.96
-17%
2.34
-21%
2.01
-14%
1.44
-28%
0.89
-38%
0.77
-13%
0.59
-23%
0.5
-15%
0.46
-8%
0.53
+15%
0.63
+19%
0.72
+14%
1.01
+40%
1.01
N/A
1.13
+12%
1.35
+19%

See Also

Summary
WSBF intrinsic value, competitors valuation, and company profile.
DCF Valuation
WSBF stock valuation using Discount Cash Flow valuation method.
Relative Valuation
WSBF stock valuation using valuation multiples.
Wall Street Estimates
WSBF price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
WSBF stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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