# Waterstone Financial Inc. (WSBF) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $19.84, market value $357 million.

## Valuation
- **P/E (trailing): 11.5×** (5-yr avg 14.6×, 3-yr avg 16.9×). Waterstone Financial Inc. trades at 11.5× trailing earnings, well below its own five-year average of 14.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 19.6×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.42**. A PEG of 0.42 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.0%** (5-yr avg 23.1%). Free cash flow equals 12.0% of the market value, below its five-year average of 23.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% of the price is earned each year.

## Profitability
- **Return on equity: 7.6%**. 7.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 46.5%** (3-yr 18.5%/yr, 5-yr -14.8%/yr). Earnings per share rose 46.5%.
- **Free-cash-flow growth (3 yr): -51.8%/yr**. Free cash flow has compounded at -51.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.43%** ($0.64 per share, trailing). Waterstone Financial Inc. yields 3.43%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 41%** (25% of free cash flow). 41% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -14.1%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 34.0%** (YTD 23.9%, 3-mo -3.9%). The shares are up 34.0% over twelve months including dividends.
- **From 52-week high: -8.4%** (31.8% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.34** (volatility 21%). Beta of 0.34 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WSBF · Page: https://foliofundamentals.com/stocks/wsbf

Not investment advice.