Business Description
Waterstone Financial Inc
NAICS : 522120
SIC : 6035
ISIN : US94188P1012
Description
Waterstone Financial Inc is a holding company. Through its subsidiaries, It operates in two segments: Community Banking and Mortgage Banking. The community banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The vast majority of its revenue comes from the community banking segment.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.07 | |||||
| Equity-to-Asset | 0.16 | |||||
| Debt-to-Equity | 1.35 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 3/9 | |||||
| Beneish M-Score | -2.59 | |||||
| WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | -18.9 | |||||
| 3-Year EPS without NRI Growth Rate | -48.2 | |||||
| 3-Year FCF Growth Rate | 28.6 | |||||
| 3-Year Book Growth Rate | 0.9 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 56.5 | |||||
| 9-Day RSI | 55.53 | |||||
| 14-Day RSI | 52.95 | |||||
| 6-1 Month Momentum % | 13.22 | |||||
| 12-1 Month Momentum % | -19.57 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 5.54 | |||||
| Dividend Payout Ratio | 1.53 | |||||
| 3-Year Dividend Growth Rate | 13.4 | |||||
| Forward Dividend Yield % | 5.12 | |||||
| 5-Year Yield-on-Cost % | 10.03 | |||||
| 3-Year Average Share Buyback Ratio | 6.8 | |||||
| Shareholder Yield % | -65.05 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 7.33 | |||||
| FCF Margin % | -22.1 | |||||
| ROE % | 2.63 | |||||
| ROA % | 0.43 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 25.74 | |||||
| PE Ratio without NRI | 25.74 | |||||
| Shiller PE Ratio | 7.76 | |||||
| Price-to-Owner-Earnings | 37.43 | |||||
| PEG Ratio | 6.28 | |||||
| PS Ratio | 1.83 | |||||
| PB Ratio | 0.7 | |||||
| Price-to-Tangible-Book | 0.7 | |||||
| EV-to-Revenue | 5.22 | |||||
| EV-to-FCF | -23.58 | |||||
| Price-to-Projected-FCF | 0.35 | |||||
| Price-to-Median-PS-Value | 0.68 | |||||
| Price-to-Graham-Number | 0.89 | |||||
| FCF Yield % | -12.04 | |||||
| Forward Rate of Return (Yacktman) % | 21.96 |
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