Waterstone Financial, Inc.: stock overview

WSBFNASDAQFinancial services · Savings Institution, Federally CharteredBank

Price

$20.04

November 13, 2026Market cap $368M

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  • The full history: 15 fiscal years, from 2011
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

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In short

Waterstone Financial had revenue of $149M over the last 12 months and net income of $28M, a net margin of 19.1%. Revenue fell by 13.8% a year on average over the last 5 years. At $20.04 the shares trade at a P/E of 13.0, against a median of 13.3 over the last 5 fiscal years. It pays a dividend yielding 3.29%.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$368M
18.36M shares
P/E
13.0
Today13.0
Median13.3
Revenue, 12 months
$149M
-13.8% a year over 5 years
Net margin
19.1%
2025: 18.6%, above 24% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+3.9% a year over 2 years

  • 202510-K
    Revenue$142M
  • 202410-K
    Revenue$135M
  • 202310-K
    Revenue$131M

Fiscal years in figures

WSBF's revenue, profit, cash flow and dividend with each year-end price, from 2011 to 2022, 12 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $285M
$368M
P/E 3-year median: 13.3
13.0
P/B 3-year median: 0.8
1.1
Earnings yield 3-year median: 7.5%
7.7%

Profitability

Net margin 3-year median: 13.8%
19.1%
ROE 
8.1%

Growth

Revenue, yearly change 
+4.8%
EPS, yearly change 
+46.5%
Revenue, average a year 
-13.8%
EPS, average a year 
-14.8%

The yearly change compares FY2025 with FY2024.

Returns to shareholders

Dividend yield 3-year median: 4.5%
3.29%
Buybacks 
4.41%
Total returned 
7.70%
Shares, yearly change 
-5.0%
Valuation against its own pastEach fiscal year's P/E and P/B beside today's, and the calculator for the bank.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 60).

Net margin

18.6%

Above 24% of the 317 companies in its industry, and 80% of all.

ROE

7.6%

Above 33% of the 316 companies in its industry, and 51% of all.

ROA

1.2%

Above 68% of the 316 companies in its industry, and 47% of all.

Revenue growth

4.8%

Above 23% of the 313 companies in its industry, and 45% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Waterstone Financial, Inc.
CIK
1569994
Exchange
NASDAQ
Industry (SIC)
6035 · Savings Institution, Federally Chartered
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
18.36M

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The full analysis

What do Waterstone Financial's filings show?

These are Waterstone Financial's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about WSBF

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What is WSBF's market cap?

Waterstone Financial, Inc.'s market cap is $368M, at a price of $20.04 on November 13, 2026 and 18.36M shares.

What is WSBF's P/E?

WSBF's P/E is 13.0, on earnings per share of $1.63 over the last 12 months. The median over the last 5 fiscal years was 13.3.

How much revenue does WSBF have?

Waterstone Financial had revenue of $149M over the last 12 months. Over the last 5 years it changed by -13.8% a year on average.

Does WSBF pay a dividend?

Yes. Waterstone Financial paid $0.66 per share over the last 12 months, a yield of 3.29% at today's price. All the figures are in the Dividend section.

Where do the figures come from?

From Waterstone Financial, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.