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WSBF Waterstone Financial, Inc.

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$375m
Revenue TTM
$150m
Net income TTM
$30m
Free cash flow
$43m
Composite score
52.7
Sector rank
#2540

Valuation

P / E
12.5
EV / EBITDA
EV / sales
5.2
FCF yield
11.41%
Earnings yield vs 10-yr
3.30pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
20.1%
EBITDA margin
ROE
8.6%
ROIC
Revenue growth
12.4%

Insider activity, last 90 days

Net open-market
$-0.17m
Buyers
0
Sellers
1

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Comparison of Community Banking Segment Results of Operations for the Three Months Ended June 30, 2026 and 2025 Net income totaled $7.3 million for the three months ended June 30, 2026 compared to $6.2 million for the three months ended June 30, 2025. The current quarter increase was primarily due to increases in commercial real estate external qualitative factors. The provision for credit losses related to unfunded loan commitments for the quarter ended June 30, 2026 was due primarily to an increase of business and commercial real estate loans in the loan pipeline balance at quarter end. …Waterstone Financial, Inc., 10-Q, period ended 2026-06-30, filed 2026-08-06

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