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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.16
WSBF's Cash to Debt is ranked higher than
51% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. WSBF: 0.16 )
WSBF' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.16

Equity to Asset 0.25
WSBF's Equity to Asset is ranked higher than
97% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. WSBF: 0.25 )
WSBF' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.26
Current: 0.25

0.08
0.26
Interest Coverage 0.99
WSBF's Interest Coverage is ranked higher than
62% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. WSBF: 0.99 )
WSBF' s 10-Year Interest Coverage Range
Min: 0.02   Max: 0.99
Current: 0.99

0.02
0.99
F-Score: 3
Z-Score: 0.35
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 18.37
WSBF's Operating margin (%) is ranked higher than
59% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. WSBF: 18.37 )
WSBF' s 10-Year Operating margin (%) Range
Min: -450.83   Max: 29.21
Current: 18.37

-450.83
29.21
Net-margin (%) 11.58
WSBF's Net-margin (%) is ranked higher than
56% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. WSBF: 11.58 )
WSBF' s 10-Year Net-margin (%) Range
Min: -55.86   Max: 316.11
Current: 11.58

-55.86
316.11
ROE (%) 6.86
WSBF's ROE (%) is ranked higher than
70% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. WSBF: 6.86 )
WSBF' s 10-Year ROE (%) Range
Min: -15.44   Max: 17.23
Current: 6.86

-15.44
17.23
ROA (%) 0.76
WSBF's ROA (%) is ranked higher than
73% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. WSBF: 0.76 )
WSBF' s 10-Year ROA (%) Range
Min: -1.4   Max: 2.1
Current: 0.76

-1.4
2.1
ROC (Joel Greenblatt) (%) 86.12
WSBF's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. WSBF: 86.12 )
WSBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -80.69   Max: 86.12
Current: 86.12

-80.69
86.12
Revenue Growth (%) 12.10
WSBF's Revenue Growth (%) is ranked higher than
93% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. WSBF: 12.10 )
WSBF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 32.6
Current: 12.1

0
32.6
» WSBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

WSBF Guru Trades in Q3 2013

Jim Simons 258,976 sh (+20.12%)
» More
Q4 2013

WSBF Guru Trades in Q4 2013

Jim Simons 292,500 sh (+12.94%)
» More
Q1 2014

WSBF Guru Trades in Q1 2014

Michael Price 800,000 sh (New)
Jim Simons 750,799 sh (+156.68%)
» More
Q2 2014

WSBF Guru Trades in Q2 2014

Jim Simons 1,190,241 sh (+58.53%)
Michael Price 1,249,300 sh (+56.16%)
» More
» Details

Insider Trades

Latest Guru Trades with WSBF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-06-30 Add 56.16%0.61%$10.11 - $11.59 $ 11.568%1249300
Michael Price 2014-03-31 New Buy1%$10.061 - $10.69 $ 11.5610%800000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 37.60
WSBF's P/E(ttm) is ranked higher than
53% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. WSBF: 37.60 )
WSBF' s 10-Year P/E(ttm) Range
Min: 5.64   Max: 347.3
Current: 37.6

5.64
347.3
P/B 0.90
WSBF's P/B is ranked higher than
83% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. WSBF: 0.90 )
WSBF' s 10-Year P/B Range
Min: 0.34   Max: 2.63
Current: 0.9

0.34
2.63
P/S 3.40
WSBF's P/S is ranked higher than
59% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. WSBF: 3.40 )
WSBF' s 10-Year P/S Range
Min: 0.62   Max: 13.78
Current: 3.4

0.62
13.78
EV-to-EBIT 46.73
WSBF's EV-to-EBIT is ranked higher than
58% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. WSBF: 46.73 )
WSBF' s 10-Year EV-to-EBIT Range
Min: 16.2   Max: 1739.2
Current: 46.73

16.2
1739.2
Shiller P/E 322.10
WSBF's Shiller P/E is ranked higher than
59% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.55 vs. WSBF: 322.10 )
WSBF' s 10-Year Shiller P/E Range
Min: 271.75   Max: 322.7
Current: 322.1

271.75
322.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
WSBF's Dividend Yield is ranked lower than
86% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.42 vs. WSBF: 0.90 )
WSBF' s 10-Year Dividend Yield Range
Min: 0.43   Max: 0.46
Current: 0.9

0.43
0.46
Dividend Payout 0.16
WSBF's Dividend Payout is ranked higher than
90% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.48 vs. WSBF: 0.16 )
WSBF' s 10-Year Dividend Payout Range
Min: 0.46   Max: 0.46
Current: 0.16

Yield on cost (5-Year) 0.90
WSBF's Yield on cost (5-Year) is ranked lower than
83% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. WSBF: 0.90 )
WSBF' s 10-Year Yield on cost (5-Year) Range
Min: 0.43   Max: 0.46
Current: 0.9

0.43
0.46
Share Buyback Rate -0.60
WSBF's Share Buyback Rate is ranked higher than
79% of the 1240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. WSBF: -0.60 )
WSBF' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.6
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
WSBF's Price/Tangible Book is ranked higher than
88% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. WSBF: 0.90 )
WSBF' s 10-Year Price/Tangible Book Range
Min: 0.36   Max: 2.53
Current: 0.9

0.36
2.53
Price/DCF (Projected) 1.10
WSBF's Price/DCF (Projected) is ranked higher than
69% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. WSBF: 1.10 )
WSBF' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 1.43
Current: 1.1

0.26
1.43
Price/Median PS Value 1.40
WSBF's Price/Median PS Value is ranked higher than
58% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. WSBF: 1.40 )
WSBF' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 5.76
Current: 1.4

0.28
5.76
Price/Graham Number 1.20
WSBF's Price/Graham Number is ranked higher than
68% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. WSBF: 1.20 )
WSBF' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 21.26
Current: 1.2

0.61
21.26
Earnings Yield (Greenblatt) 2.10
WSBF's Earnings Yield (Greenblatt) is ranked lower than
52% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. WSBF: 2.10 )
WSBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 6.2
Current: 2.1

0.1
6.2
Forward Rate of Return (Yacktman) 0.31
WSBF's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. WSBF: 0.31 )
WSBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.2   Max: 9.2
Current: 0.31

0.2
9.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Waterstone Financial, Inc., was formed in October 2005 as the mid-tier stockholding company subsidiary of Lamplighter Financial, MHC, as part of the reorganization of WaterStone Bank into mutual holding company form. The Company is a one-bank holding company with two operating segments - community banking and mortgage banking. The Bank is mainly engaged in the business of attracting deposits from the general public and using such deposits to originate real estate, business and consumer loans. The Bank provides a range of financial services to customers through branch locations in southeastern Wisconsin. The Bank owns a mortgage banking subsidiary that originates residential real estate loans held for sale at various branch offices across the country. It faces competition within its market area both in making real estate loans and attracting deposits. Its competition for loans and deposits comes principally from commercial banks, savings institutions, mortgage banking firms and credit unions. It faces additional competition for deposits from money market funds, brokerage firms, and mutual funds. Some of its competitors offer products and services that it does not offer, such as trust services, private banking and brokerage and insurance services. The Bank is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities.
» More Articles for WSBF

Headlines

Articles On GuruFocus.com
comment on WSBF Mar 02 2013 
Waterstone Financial Inc. Reports Operating Results (10-Q) Nov 05 2010 
Waterstone Financial Inc. Reports Operating Results (10-Q) Aug 06 2010 
Waterstone Financial Inc. Reports Operating Results (10-Q) Nov 09 2009 
Waterstone Financial Inc. Reports Operating Results (10-Q) Aug 06 2009 
Waterstone Financial Inc. Reports Operating Results (10-Q) May 08 2009 

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