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Waterstone Financial, Inc. (WSBF) Stock Forecast 2025 - AI Price Prediction & Analysis

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

Company Overview & Business Profile

Waterstone Financial, Inc. (Stock Symbol: WSBF) is a leading company in the Finance sector , specifically operating within the Savings Institution, Federally Chartered industry. The organization employs approximately 204 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $134 million generating a 24,3% net profit margin .

Market Capitalization: $281 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 13,0% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Waterstone Financial, Inc. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

Waterstone Financial, Inc. strategically competes in the highly dynamic Savings Institution, Federally Chartered marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $237 million annually , complemented by impressive -59,9% year-over-year cash flow growth

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.

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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 13,60, the market sees the stock as potentially undervalued.

P/E Ratio 13,60x
P/B Ratio 0,82x
Market Cap $281M
Dividend Yield 4,00%
EPS $1,13
Book Value/Share $18,19
Revenue/Share $7,15
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 $134M, Waterstone Financial, Inc. demonstrates solid business size.

Income Statement ($ Millions)
Total Revenue $134M
SG&A Expense $60M
Balance Sheet Highlights ($ Millions)
Cash & Short-term Investments $23M
Total Liabilities $79M
Short-term Debt $0M
Dividend & Shareholder Information
Dividends Per Share $0,60
Payout Ratio 0,5%
Shares Outstanding 19M
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.

, source: Yahoo Finance

Waterstone Financial Inc (NASDAQ:WSBF) recently announced a dividend of $0.15 per share, payable on 2024-02-01, with the ex-dividend date set for 2024-01-05. As investors look forward to this ...

, source: CNN

Waterstone Financial, Inc. operates as a loan holding company, which provides principal lending activities. The firm operates through the following segments: Community Banking and Mortgage Banking.

, source: The Business Journals

Waterstone Financial Inc., the holding company for WaterStone Bank, has promoted Mark Gerke to senior vice president and chief financial officer for the Wauwatosa-based financial company and the bank.

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
AX Unlock Forecast $5119M 11,8x 1,9x
BCBP Unlock Forecast $153M 29,5x 0,5x
BFIN Unlock Forecast $194M 12,4x 1,1x
BKU Unlock Forecast $2921M 11,3x 1,0x
BRKL Unlock Forecast $981M 12,5x 0,8x
BVFL Unlock Forecast $173M 16,2x 0,9x
BYFC Unlock Forecast $69M 36,0x 0,2x
CARV Unlock Forecast $9M -2,3x 0,3x
CFFN Unlock Forecast $852M 13,9x 0,8x
CFSB Unlock Forecast $91M 230,8x 1,2x
CLBK Unlock Forecast $1559M 252,8x 1,4x
CLST Unlock Forecast $53M 24,4x 0,7x
CPBI Unlock Forecast $64M x 0,8x
CZWI Unlock Forecast $165M 13,3x 0,9x
EBC Unlock Forecast $3589M 8,3x 1,0x
FCAP Unlock Forecast $137774M 10461,2x 1118,3x
FDSB Unlock Forecast $77M 30,0x 0,6x
FFBW Unlock Forecast $79M 37,5x 1,0x
FGBI Unlock Forecast $105M 25,6x 0,4x
FGBIP Unlock Forecast $237M 60,2x 0,9x
FMAO Unlock Forecast $363M 12,3x 1,0x
FNRN Unlock Forecast $191M 9,3x 1,0x
FNWD Unlock Forecast $138M 26,1x 0,9x
FSEA Unlock Forecast $54M -9,9x 0,9x
FSFG Unlock Forecast $181M 17,5x 1,0x
HFBL Unlock Forecast $42M 10,4x 0,8x
HTB Unlock Forecast $684M x 1,2x
HTBI Unlock Forecast $653M 11,3x 1,2x
IROQ Unlock Forecast $85M 25,7x 1,1x
KFFB Unlock Forecast $0M -20,2x 0,0x
KRNY Unlock Forecast $435M 16,7x 0,6x
LSBK Unlock Forecast $91M 16,6x 1,0x
MFBI Unlock Forecast $7M x 0,5x
MGNO Unlock Forecast $9M x 0,5x
MGYR Unlock Forecast $109M 12,7x 1,0x
MSVB Unlock Forecast $47M 29,0x 1,4x
NFBK Unlock Forecast $496M 14,1x 0,7x
NRIM Unlock Forecast $528M 11,8x 1,8x
NSTS Unlock Forecast $62M 184,3x 0,8x
PDLB Unlock Forecast $356M 20,4x 0,7x
PFS Unlock Forecast $2598M 11,3x 1,0x
PROV Unlock Forecast $105M 16,8x 0,8x
RVSB Unlock Forecast $106M 20,6x 0,7x
SBT Unlock Forecast $253M 47,4x 0,8x
SFBC Unlock Forecast $122M 19,4x 1,2x
TBNK Unlock Forecast $74M -141,4x 0,3x
TCBC Unlock Forecast $89M 2329,5x 1,1x
TFSL Unlock Forecast $3847M 46,3x 2,0x
WNEB Unlock Forecast $257M 21,3x 1,1x
WSBF Unlock Forecast $281M 13,6x 0,8x

Frequently Asked Questions - Waterstone Financial, Inc. Stock Forecast

How accurate are Waterstone Financial, Inc. stock predictions?

Our AI model demonstrates 65% historical accuracy for WSBF predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

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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