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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.25
WSBF's Cash to Debt is ranked lower than
82% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. WSBF: 0.25 )
Ranked among companies with meaningful Cash to Debt only.
WSBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.14 Max: N/A
Current: 0.25
Equity to Asset 0.23
WSBF's Equity to Asset is ranked higher than
92% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WSBF: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
WSBF' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.12 Max: 0.26
Current: 0.23
0.08
0.26
Interest Coverage 1.17
WSBF's Interest Coverage is ranked lower than
58% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. WSBF: 1.17 )
Ranked among companies with meaningful Interest Coverage only.
WSBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.85 Max: 1.12
Current: 1.17
0.02
1.12
F-Score: 6
M-Score: -2.59
WACC vs ROIC
3.38%
2.32%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 18.92
WSBF's Operating margin (%) is ranked lower than
77% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. WSBF: 18.92 )
Ranked among companies with meaningful Operating margin (%) only.
WSBF' s Operating margin (%) Range Over the Past 10 Years
Min: -51.01  Med: 9.47 Max: 29.21
Current: 18.92
-51.01
29.21
Net-margin (%) 12.16
WSBF's Net-margin (%) is ranked lower than
80% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. WSBF: 12.16 )
Ranked among companies with meaningful Net-margin (%) only.
WSBF' s Net-margin (%) Range Over the Past 10 Years
Min: -55.86  Med: 6.93 Max: 26.22
Current: 12.16
-55.86
26.22
ROE (%) 4.27
WSBF's ROE (%) is ranked lower than
79% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. WSBF: 4.27 )
Ranked among companies with meaningful ROE (%) only.
WSBF' s ROE (%) Range Over the Past 10 Years
Min: -14.18  Med: 2.27 Max: 18.92
Current: 4.27
-14.18
18.92
ROA (%) 1.00
WSBF's ROA (%) is ranked higher than
60% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. WSBF: 1.00 )
Ranked among companies with meaningful ROA (%) only.
WSBF' s ROA (%) Range Over the Past 10 Years
Min: -1.47  Med: 0.31 Max: 2.07
Current: 1
-1.47
2.07
Revenue Growth (3Y)(%) 7.70
WSBF's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. WSBF: 7.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WSBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.60 Max: 32.7
Current: 7.7
0
32.7
EBITDA Growth (3Y)(%) 8.90
WSBF's EBITDA Growth (3Y)(%) is ranked higher than
60% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. WSBF: 8.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WSBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 633.4
Current: 8.9
0
633.4
EPS Growth (3Y)(%) -18.00
WSBF's EPS Growth (3Y)(%) is ranked lower than
89% of the 1211 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. WSBF: -18.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WSBF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: -18
Current: -18
» WSBF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

WSBF Guru Trades in Q2 2015

Jim Simons 1,963,355 sh (+30.21%)
Michael Price 1,249,300 sh (unchged)
» More
Q3 2015

WSBF Guru Trades in Q3 2015

Jim Simons 2,206,574 sh (+12.39%)
Michael Price 1,249,300 sh (unchged)
» More
Q4 2015

WSBF Guru Trades in Q4 2015

Michael Price 1,249,300 sh (unchged)
Jim Simons 2,085,974 sh (-5.47%)
» More
Q1 2016

WSBF Guru Trades in Q1 2016

John Keeley 10,000 sh (New)
Jim Simons 2,153,374 sh (+3.23%)
Michael Price 1,189,617 sh (-4.78%)
» 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:ABCW, NAS:CASH, NAS:LOB, NAS:OCFC, NAS:HMST, NAS:FDEF, NAS:BSF, NAS:CSBK, NAS:BKMU, NAS:UCFC, NAS:FFIC, NAS:TBNK, NAS:UBNK, NAS:DCOM, NAS:BFIN, OTCPK:BFCFB, NAS:EBTC, OTCPK:NASB, NAS:FXCB, NAS:HBCP » details
Waterstone Financial Inc is a one-bank holding company with two segments: community banking & mortgage banking. The Company through its subsidiary attracts deposits from the general public and uses such deposits to originate loans.

Waterstone Financial Inc was organized in June 2013. The Company is a one-bank holding company with two operating segments community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Consumer products include loan products, deposit products, and personal investment services. Business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment, which is conducted through Waterstone Mortgage Corporation, consists of originating residential mortgage loans primarily for sale in the secondary market. 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 Company is subject to the rules and regulations of the Securities and Exchange Commission under the federal securities laws.

Ratios

vs
industry
vs
history
P/E(ttm) 25.82
WSBF's P/E(ttm) is ranked lower than
86% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. WSBF: 25.82 )
Ranked among companies with meaningful P/E(ttm) only.
WSBF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.64  Med: 31.76 Max: 347.3
Current: 25.82
5.64
347.3
PE(NRI) 25.40
WSBF's PE(NRI) is ranked lower than
86% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. WSBF: 25.40 )
Ranked among companies with meaningful PE(NRI) only.
WSBF' s PE(NRI) Range Over the Past 10 Years
Min: 5.64  Med: 31.76 Max: 430.25
Current: 25.4
5.64
430.25
Price/Owner Earnings (ttm) 21.23
WSBF's Price/Owner Earnings (ttm) is ranked lower than
80% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. WSBF: 21.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WSBF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.06  Med: 21.65 Max: 41.07
Current: 21.23
7.06
41.07
P/B 1.17
WSBF's P/B is ranked lower than
60% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. WSBF: 1.17 )
Ranked among companies with meaningful P/B only.
WSBF' s P/B Range Over the Past 10 Years
Min: 0.34  Med: 1.00 Max: 2.64
Current: 1.17
0.34
2.64
P/S 3.15
WSBF's P/S is ranked lower than
55% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. WSBF: 3.15 )
Ranked among companies with meaningful P/S only.
WSBF' s P/S Range Over the Past 10 Years
Min: 0.62  Med: 2.86 Max: 13.89
Current: 3.15
0.62
13.89
PFCF 5.35
WSBF's PFCF is ranked higher than
68% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. WSBF: 5.35 )
Ranked among companies with meaningful PFCF only.
WSBF' s PFCF Range Over the Past 10 Years
Min: 1.27  Med: 12.88 Max: 504.44
Current: 5.35
1.27
504.44
POCF 5.16
WSBF's POCF is ranked higher than
65% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. WSBF: 5.16 )
Ranked among companies with meaningful POCF only.
WSBF' s POCF Range Over the Past 10 Years
Min: 1.25  Med: 12.03 Max: 290.49
Current: 5.16
1.25
290.49
EV-to-EBIT 27.86
WSBF's EV-to-EBIT is ranked lower than
84% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. WSBF: 27.86 )
Ranked among companies with meaningful EV-to-EBIT only.
WSBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -620.9  Med: 26.65 Max: 1738.7
Current: 27.86
-620.9
1738.7
EV-to-EBITDA 24.60
WSBF's EV-to-EBITDA is ranked lower than
84% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. WSBF: 24.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
WSBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -567.8  Med: 25.75 Max: 4013.5
Current: 24.6
-567.8
4013.5
Shiller P/E 119.92
WSBF's Shiller P/E is ranked lower than
98% of the 491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.16 vs. WSBF: 119.92 )
Ranked among companies with meaningful Shiller P/E only.
WSBF' s Shiller P/E Range Over the Past 10 Years
Min: 104.69  Med: 159.38 Max: 270
Current: 119.92
104.69
270

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.46
WSBF's Dividend Yield is ranked lower than
81% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. WSBF: 1.46 )
Ranked among companies with meaningful Dividend Yield only.
WSBF' s Dividend Yield Range Over the Past 10 Years
Min: 0.43  Med: 1.45 Max: 1.94
Current: 1.46
0.43
1.94
Dividend Payout 0.33
WSBF's Dividend Payout is ranked higher than
51% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. WSBF: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
WSBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.29  Med: 0.46 Max: 0.71
Current: 0.33
0.29
0.71
Forward Dividend Yield 2.03
WSBF's Forward Dividend Yield is ranked lower than
75% of the 2109 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. WSBF: 2.03 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.48
WSBF's Yield on cost (5-Year) is ranked lower than
82% of the 2505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.58 vs. WSBF: 1.48 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WSBF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.43  Med: 1.45 Max: 1.94
Current: 1.48
0.43
1.94
3-Year Average Share Buyback Ratio 5.10
WSBF's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. WSBF: 5.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WSBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.1  Med: 3.50 Max: 0
Current: 5.1
-0.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
WSBF's Price/Tangible Book is ranked lower than
53% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. WSBF: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
WSBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.35  Med: 1.01 Max: 2.53
Current: 1.17
0.35
2.53
Price/Projected FCF 0.90
WSBF's Price/Projected FCF is ranked lower than
71% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. WSBF: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
WSBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.27  Med: 0.80 Max: 1.46
Current: 0.9
0.27
1.46
Price/Median PS Value 1.11
WSBF's Price/Median PS Value is ranked lower than
64% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. WSBF: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
WSBF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.23  Med: 1.00 Max: 4.74
Current: 1.11
0.23
4.74
Price/Graham Number 1.15
WSBF's Price/Graham Number is ranked lower than
74% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. WSBF: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
WSBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.61  Med: 1.16 Max: 6.62
Current: 1.15
0.61
6.62
Earnings Yield (Greenblatt) (%) 3.60
WSBF's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. WSBF: 3.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.70 Max: 6.2
Current: 3.6
0.1
6.2

More Statistics

Revenue (TTM) (Mil) $143.3
EPS (TTM) $ 0.61
Beta0.24
Short Percentage of Float2.06%
52-Week Range $12.38 - 15.95
Shares Outstanding (Mil)29.14
» More Articles for WSBF

Headlines

Articles On GuruFocus.com
Top Insiders Report $100,000 Buys Sep 04 2014 
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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