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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 0.27
WSBF's Cash to Debt is ranked higher than
59% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. WSBF: 0.27 )
WSBF' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.27

Equity to Asset 0.25
WSBF's Equity to Asset is ranked higher than
96% of the 2021 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
64% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 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: 0.46
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 (%) 15.48
WSBF's Operating margin (%) is ranked higher than
57% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. WSBF: 15.48 )
WSBF' s 10-Year Operating margin (%) Range
Min: -450.83   Max: 29.21
Current: 15.48

-450.83
29.21
Net-margin (%) 10.13
WSBF's Net-margin (%) is ranked higher than
56% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. WSBF: 10.13 )
WSBF' s 10-Year Net-margin (%) Range
Min: -55.86   Max: 316.11
Current: 10.13

-55.86
316.11
ROE (%) 3.43
WSBF's ROE (%) is ranked higher than
56% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. WSBF: 3.43 )
WSBF' s 10-Year ROE (%) Range
Min: -14.18   Max: 18.92
Current: 3.43

-14.18
18.92
ROA (%) 0.69
WSBF's ROA (%) is ranked higher than
69% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. WSBF: 0.69 )
WSBF' s 10-Year ROA (%) Range
Min: -1.47   Max: 2.07
Current: 0.69

-1.47
2.07
ROC (Joel Greenblatt) (%) 69.55
WSBF's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. WSBF: 69.55 )
WSBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -188.49   Max: 81.83
Current: 69.55

-188.49
81.83
Revenue Growth (3Y)(%) 12.10
WSBF's Revenue Growth (3Y)(%) is ranked higher than
92% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. WSBF: 12.10 )
WSBF' s 10-Year Revenue Growth (3Y)(%) 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

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
Q3 2014

WSBF Guru Trades in Q3 2014

Jim Simons 1,338,220 sh (+12.43%)
Michael Price 1,249,300 sh (unchged)
» 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 $ 12.7419%1249300
Michael Price 2014-03-31 New Buy1%$10.061 - $10.69 $ 12.7422%800000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Waterstone Financial Inc

Top Insiders Report $100,000 Buys
Top Insiders Report $100,000 Buys Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 35.80
WSBF's P/E(ttm) is ranked higher than
66% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. WSBF: 35.80 )
WSBF' s 10-Year P/E(ttm) Range
Min: 5.64   Max: 347.3
Current: 35.8

5.64
347.3
P/B 1.00
WSBF's P/B is ranked higher than
83% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. WSBF: 1.00 )
WSBF' s 10-Year P/B Range
Min: 0.34   Max: 2.63
Current: 1

0.34
2.63
P/S 3.50
WSBF's P/S is ranked higher than
73% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. WSBF: 3.50 )
WSBF' s 10-Year P/S Range
Min: 0.62   Max: 13.78
Current: 3.5

0.62
13.78
EV-to-EBIT 39.85
WSBF's EV-to-EBIT is ranked higher than
62% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. WSBF: 39.85 )
WSBF' s 10-Year EV-to-EBIT Range
Min: -621   Max: 1739.2
Current: 39.85

-621
1739.2
Shiller P/E 61.00
WSBF's Shiller P/E is ranked higher than
77% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WSBF: 61.00 )
WSBF' s 10-Year Shiller P/E Range
Min: 54.52   Max: 289.75
Current: 61

54.52
289.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
WSBF's Dividend Yield is ranked lower than
76% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. WSBF: 1.20 )
WSBF' s 10-Year Dividend Yield Range
Min: 0.43   Max: 0.87
Current: 1.2

0.43
0.87
Dividend Payout 0.28
WSBF's Dividend Payout is ranked higher than
80% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. WSBF: 0.28 )
WSBF' s 10-Year Dividend Payout Range
Min: 0.36   Max: 0.46
Current: 0.28

0.36
0.46
Yield on cost (5-Year) 1.20
WSBF's Yield on cost (5-Year) is ranked lower than
75% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. WSBF: 1.20 )
WSBF' s 10-Year Yield on cost (5-Year) Range
Min: 0.43   Max: 0.87
Current: 1.2

0.43
0.87
Share Buyback Rate -0.60
WSBF's Share Buyback Rate is ranked higher than
79% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 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 1.00
WSBF's Price/Tangible Book is ranked higher than
86% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. WSBF: 1.00 )
WSBF' s 10-Year Price/Tangible Book Range
Min: 0.36   Max: 2.53
Current: 1

0.36
2.53
Price/DCF (Projected) 1.10
WSBF's Price/DCF (Projected) is ranked higher than
77% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. WSBF: 1.10 )
WSBF' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.5
Current: 1.1

0.3
1.5
Price/Median PS Value 1.50
WSBF's Price/Median PS Value is ranked higher than
66% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. WSBF: 1.50 )
WSBF' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 5.6
Current: 1.5

0.27
5.6
Price/Graham Number 1.20
WSBF's Price/Graham Number is ranked higher than
71% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 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) 2.50
WSBF's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. WSBF: 2.50 )
WSBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 6.2
Current: 2.5

0.1
6.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
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. Community banking, which is conducted through WaterStone Bank, consists of lending and deposit taking (as well as other banking-related products and services) to consumers and businesses and the support to deliver, fund, and manage such banking services. Mortgage banking, which is conducted through Waterstone Mortgage Corporation, consists of originating residential mortgage loans 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.

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