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Waterstone Financial, Inc. (WSBF) AI Forecast

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Waterstone Financial, Inc. (WSBF) Stock Forecast 2025

Waterstone Financial, Inc. (WSBF) AI Stock Price Forecast & Investment Analysis

Waterstone Financial, Inc. Stock Price Chart and Technical Analysis

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Waterstone Financial, Inc. (WSBF) - Comprehensive Stock Analysis & Investment Research

Deep dive into Waterstone Financial, Inc.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on March 10, 2026, 2:59 a.m. (UTC)

Waterstone Financial, Inc. Investment Summary

When evaluating whether Waterstone Financial, Inc. (WSBF) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Waterstone Financial, Inc. (WSBF) operates within the Finance sector, specifically in the Savings Institution, Federally Chartered industry. The company employs approximately 204 people. With a market capitalization of $329 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Waterstone Financial, Inc.'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Waterstone Financial, Inc. along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Waterstone Financial, Inc. is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Waterstone Financial, Inc. (Stock Symbol: WSBF) is a prominent company operating within the Finance sector, with a specific focus on the Savings Institution, Federally Chartered industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Waterstone Financial, Inc.'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Waterstone Financial, Inc....

Sector & Industry Analysis

In-depth sector dynamics and industry context for Waterstone Financial, Inc....

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Revenue & Growth Analysis

Waterstone Financial, Inc. generates annual revenues of $143 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Waterstone Financial, Inc....

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Waterstone Financial, Inc....

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Waterstone Financial, Inc....

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Strategic Market Position

Waterstone Financial, Inc. strategically competes in the highly dynamic Savings Institution, Federally Chartered marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Waterstone Financial, Inc. competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $237 million annually , with year-over-year cash flow growth of -59.9%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.11x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Waterstone Financial, Inc. (WSBF) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Waterstone Financial, Inc. stock analysis.

Deep dive into Waterstone Financial, Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Waterstone Financial, Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Waterstone Financial, Inc.: With a P/E ratio of 12.46, the market sees the stock as potentially undervalued.

P/E Ratio 12.46x
P/B Ratio 0.94x
Market Cap $329M
Dividend Yield 3.35%
EPS $1.13
Book Value/Share $19.02
Revenue/Share $7.81
FCF/Share $-3.59
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Waterstone Financial, Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Waterstone Financial, Inc.: An ROE of 13.0% shows good shareholder value creation.

ROE 13.0%
ROA 2.6%
Net Margin 24.3%
EBT Margin 31.4%
Tax Rate 22.6%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Waterstone Financial, Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Waterstone Financial, Inc.:

D/E Ratio 0.76x
Financial Leverage 4.86x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Waterstone Financial, Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Waterstone Financial, Inc.: Free cash flow of $237M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $238M
Free Cash Flow $237M
Capital Spending -$1M
OCF Growth YoY -59.9%
FCF Growth YoY -63.1%
FCF/Sales 105.1%
CapEx/Sales 0.3%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Waterstone Financial, Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Waterstone Financial, Inc.: An asset turnover of 0.11x suggests room for improvement in asset utilization.

Asset Turnover 0.11x
Fixed Assets Turnover 10.0x
Understanding Financial Statement Data

What these metrics mean: Key figures from Waterstone Financial, Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Waterstone Financial, Inc.: With annual revenue of $143M, Waterstone Financial, Inc. demonstrates solid business size.

Income Statement
Total Revenue $143M
SG&A Expense $60M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 23%
Total Liabilities 79%
Short-term Debt 0%
Dividend & Shareholder Information
Dividends Per Share $0.60
Payout Ratio 0.3%
Shares Outstanding 18M
Growth Metrics (YoY)
EPS Growth 5.2%

Latest Waterstone Financial, Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Waterstone Financial, Inc. (WSBF) stock price and investment outlook.

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Waterstone Financial, Inc. Competitors & Peer Analysis - Finance Sector

Comparative analysis of Waterstone Financial, Inc. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Axos Financial, Inc. AX ██% $4.85B 10.6x 1.7x
Bcb Bancorp Inc BCBP ██% $141M 50.4x 0.5x
Bancorp 34, Inc. BCTF ██% $46M 27.0x 0.5x
Bankfinancial Corp BFIN ██% $188M 81.2x 1.1x
Bankunited, Inc. BKU ██% $3.58B 13.4x 1.2x
Bv Financial, Inc. BVFL ██% $179M 16.9x 0.9x
Broadway Financial Corp \De\ BYFC ██% $66M 34.2x 0.2x
Carver Bancorp Inc CARV ██% $8M -2.3x 0.3x
Capitol Federal Financial, Inc. CFFN ██% $906M 12.4x 0.9x
Cfsb Bancorp, Inc. /Ma/ CFSB ██% $93M 230.8x 1.2x
Columbia Financial, Inc. CLBK ██% $1.88B 36.3x 1.6x
Catalyst Bancorp, Inc. CLST ██% $68M 30.5x 0.8x
Central Plains Bancshares, Inc. CPBI ██% $75M 20.2x 0.9x
Citizens Community Bancorp Inc. CZWI ██% $170M 11.8x 0.9x
Eastern Bankshares, Inc. EBC ██% $4.47B 50.7x 1.0x
First Capital Inc FCAP ██% $173M 11.8x 1.3x
Fifth District Bancorp, Inc. FDSB ██% $82M 22.2x 0.6x
Ffbw, Inc. /Md/ FFBW ██% $78M 37.3x 1.0x
First Guaranty Bancshares, Inc. FGBI ██% $136M 25.6x 0.6x
First Guaranty Bancshares, Inc. FGBIP ██% $209M 60.2x 1.0x
Farmers & Merchants Bancorp Inc FMAO ██% $348M 10.5x 0.9x
First Northern Community Bancorp FNRN ██% $218M 10.4x 1.1x
Finward Bancorp FNWD ██% $161M 19.7x 1.0x
First Seacoast Bancorp, Inc. FSEA ██% $61M -9.9x 1.0x
First Savings Financial Group, Inc. FSFG ██% $237M 20.7x 1.2x
Generations Bancorp Ny, Inc. GBNY ██% $33M -15.4x 0.9x
Home Federal Bancorp, Inc. Of Louisiana HFBL ██% $59M 11.4x 1.0x
Hsbc Holdings Plc HSBC ██% $319.84B x x
Hometrust Bancshares, Inc. HTB ██% $744M 15.4x 1.3x
If Bancorp, Inc. IROQ ██% $94M 18.1x 1.1x
Kentucky First Federal Bancorp KFFB ██% $37M 56.8x 0.8x
Kearny Financial Corp. KRNY ██% $482M 14.9x 0.6x
Monroe Federal Bancorp, Inc. MFBI ██% $6M x 0.4x
Magnolia Bancorp, Inc. MGNO ██% $10M x 0.5x
Magyar Bancorp, Inc. MGYR ██% $113M 10.5x 0.9x
Mid-Southern Bancorp, Inc. MSVB ██% $51M 29.6x 1.5x
Northfield Bancorp, Inc. NFBK ██% $558M 700.5x 0.8x
Northrim Bancorp Inc NRIM ██% $509M 7.9x 1.6x
Nsts Bancorp, Inc. NSTS ██% $60M 184.3x 0.8x
Oconee Federal Financial Corp. OFED ██% $92M 29.9x 1.2x
Ponce Financial Group, Inc. PDLB ██% $393M 18.3x 0.7x
Provident Financial Services Inc PFS ██% $2.73B 9.4x 1.0x
Provident Financial Holdings Inc PROV ██% $104M 15.7x 0.8x
Riverview Bancorp Inc RVSB ██% $112M 23.0x 0.7x
Sound Financial Bancorp, Inc. SFBC ██% $109M 16.0x 1.0x
Tc Bancshares, Inc. TCBC ██% $94M 2329.5x 1.2x
Tfs Financial Corp TFSL ██% $3.90B 43.0x 2.1x
Western New England Bancorp, Inc. WNEB ██% $256M 19.2x 1.1x
Waterstone Financial, Inc. WSBF ██% $329M 12.5x 0.9x
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Frequently Asked Questions - Waterstone Financial, Inc. Stock Forecast

How accurate are Waterstone Financial, Inc. stock predictions?

Our AI model shows a -9% Spearman correlation coefficient for WSBF predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Waterstone Financial, Inc. stock price forecasts?

Our analysis considers Waterstone Financial, Inc.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Waterstone Financial, Inc. a good investment in 2025?

Based on our AI analysis, Waterstone Financial, Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Waterstone Financial, Inc. forecasts updated?

Waterstone Financial, Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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