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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 0.09
NAS:WSBF's Cash to Debt is ranked lower than
95% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. NAS:WSBF: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
NAS:WSBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.14 Max: N/A
Current: 0.09
Equity to Asset 0.23
NAS:WSBF's Equity to Asset is ranked higher than
93% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:WSBF: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
NAS: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 1.62
NAS:WSBF's Interest Coverage is ranked lower than
52% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. NAS:WSBF: 1.62 )
Ranked among companies with meaningful Interest Coverage only.
NAS:WSBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.85 Max: 1.62
Current: 1.62
0.02
1.62
F-Score: 5
M-Score: -2.11
WACC vs ROIC
2.91%
3.01%
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 (%) 22.66
NAS:WSBF's Operating margin (%) is ranked lower than
70% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. NAS:WSBF: 22.66 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:WSBF' s Operating margin (%) Range Over the Past 10 Years
Min: -51.01  Med: 9.47 Max: 29.21
Current: 22.66
-51.01
29.21
Net-margin (%) 13.97
NAS:WSBF's Net-margin (%) is ranked lower than
75% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. NAS:WSBF: 13.97 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:WSBF' s Net-margin (%) Range Over the Past 10 Years
Min: -55.86  Med: 6.93 Max: 26.22
Current: 13.97
-55.86
26.22
ROE (%) 5.59
NAS:WSBF's ROE (%) is ranked lower than
70% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. NAS:WSBF: 5.59 )
Ranked among companies with meaningful ROE (%) only.
NAS:WSBF' s ROE (%) Range Over the Past 10 Years
Min: -14.18  Med: 2.27 Max: 18.92
Current: 5.59
-14.18
18.92
ROA (%) 1.26
NAS:WSBF's ROA (%) is ranked higher than
73% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. NAS:WSBF: 1.26 )
Ranked among companies with meaningful ROA (%) only.
NAS:WSBF' s ROA (%) Range Over the Past 10 Years
Min: -1.47  Med: 0.31 Max: 2.07
Current: 1.26
-1.47
2.07
Revenue Growth (3Y)(%) 7.70
NAS:WSBF's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. NAS:WSBF: 7.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:WSBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.6 Max: 32.7
Current: 7.7
0
32.7
EBITDA Growth (3Y)(%) 11.30
NAS:WSBF's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. NAS:WSBF: 11.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:WSBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 482.1
Current: 11.3
0
482.1
EPS Growth (3Y)(%) -18.10
NAS:WSBF's EPS Growth (3Y)(%) is ranked lower than
88% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:WSBF: -18.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:WSBF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: -18.1
Current: -18.1
» NAS:WSBF's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-07-22)


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

» Details

Guru Trades

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

Keeley Asset Management Corp 10,000 sh (New)
Jim Simons 2,153,374 sh (+3.23%)
Michael Price 1,189,617 sh (-4.78%)
» More
Q2 2016

WSBF Guru Trades in Q2 2016

Keeley Asset Management Corp 11,000 sh (+10.00%)
Michael Price 1,189,617 sh (unchged)
Jim Simons 2,120,674 sh (-1.52%)
» More
Q3 2016

WSBF Guru Trades in Q3 2016

Keeley Asset Management Corp 14,000 sh (+27.27%)
Jim Simons 2,255,874 sh (+6.38%)
Michael Price 1,189,617 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:LOB, NAS:OCFC, NAS:HONE, NAS:FDEF, NAS:BKMU, NAS:UCFC, NAS:CSBK, NAS:EBTC, NAS:BSF, OTCPK:BFCF, NAS:DCOM, NAS:TBNK, NAS:FFIC, NAS:HMST, NAS:BFIN, NAS:CASH, OTCPK:NASB, NAS:HBCP, NAS:UBNK, NAS:SMBC » 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) 23.87
WSBF's P/E(ttm) is ranked lower than
81% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. WSBF: 23.87 )
Ranked among companies with meaningful P/E(ttm) only.
WSBF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.64  Med: 31.15 Max: 347.3
Current: 23.87
5.64
347.3
PE(NRI) 23.87
WSBF's PE(NRI) is ranked lower than
81% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. WSBF: 23.87 )
Ranked among companies with meaningful PE(NRI) only.
WSBF' s PE(NRI) Range Over the Past 10 Years
Min: 5.64  Med: 31.15 Max: 428.33
Current: 23.87
5.64
428.33
Price/Owner Earnings (ttm) 20.96
WSBF's Price/Owner Earnings (ttm) is ranked lower than
72% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. WSBF: 20.96 )
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: 21.55 Max: 41.07
Current: 20.96
7.06
41.07
P/B 1.35
WSBF's P/B is ranked lower than
62% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. WSBF: 1.35 )
Ranked among companies with meaningful P/B only.
WSBF' s P/B Range Over the Past 10 Years
Min: 0.34  Med: 1.01 Max: 2.64
Current: 1.35
0.34
2.64
P/S 3.42
WSBF's P/S is ranked higher than
51% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. WSBF: 3.42 )
Ranked among companies with meaningful P/S only.
WSBF' s P/S Range Over the Past 10 Years
Min: 0.62  Med: 2.87 Max: 13.89
Current: 3.42
0.62
13.89
EV-to-EBIT 25.35
WSBF's EV-to-EBIT is ranked lower than
80% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. WSBF: 25.35 )
Ranked among companies with meaningful EV-to-EBIT only.
WSBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -620.9  Med: 24.5 Max: 701.5
Current: 25.35
-620.9
701.5
EV-to-EBITDA 23.08
WSBF's EV-to-EBITDA is ranked lower than
81% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. WSBF: 23.08 )
Ranked among companies with meaningful EV-to-EBITDA only.
WSBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -567.8  Med: 23.45 Max: 4013.5
Current: 23.08
-567.8
4013.5
Shiller P/E 109.61
WSBF's Shiller P/E is ranked lower than
97% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. WSBF: 109.61 )
Ranked among companies with meaningful Shiller P/E only.
WSBF' s Shiller P/E Range Over the Past 10 Years
Min: 91.67  Med: 145.67 Max: 270
Current: 109.61
91.67
270

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.35
WSBF's Dividend Yield is ranked lower than
79% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. WSBF: 1.35 )
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: 1.35
0.43
1.94
Dividend Payout 0.32
WSBF's Dividend Payout is ranked higher than
51% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WSBF: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
WSBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.46 Max: 0.71
Current: 0.32
0.17
0.71
Forward Dividend Yield 1.68
WSBF's Forward Dividend Yield is ranked lower than
76% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. WSBF: 1.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.35
WSBF's Yield on cost (5-Year) is ranked lower than
85% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. WSBF: 1.35 )
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: 1.35
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 1061 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: 3.5 Max: 0
Current: 5.1
-0.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.38
WSBF's Price/Tangible Book is ranked lower than
56% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. WSBF: 1.38 )
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: 1.38
0.35
2.53
Price/Projected FCF 1.27
WSBF's Price/Projected FCF is ranked lower than
81% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. WSBF: 1.27 )
Ranked among companies with meaningful Price/Projected FCF only.
WSBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.29  Med: 1.02 Max: 3.22
Current: 1.27
0.29
3.22
Price/Median PS Value 1.17
WSBF's Price/Median PS Value is ranked lower than
51% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. WSBF: 1.17 )
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: 1.01 Max: 4.71
Current: 1.17
0.23
4.71
Price/Graham Number 1.20
WSBF's Price/Graham Number is ranked lower than
66% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. WSBF: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
WSBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.61  Med: 1.13 Max: 5.91
Current: 1.2
0.61
5.91
Earnings Yield (Greenblatt) (%) 3.98
WSBF's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. WSBF: 3.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.9 Max: 6.2
Current: 3.98
0.1
6.2

More Statistics

Revenue (TTM) (Mil) $159.0
EPS (TTM) $ 0.81
Beta0.02
Short Percentage of Float1.36%
52-Week Range $13.30 - 19.30
Shares Outstanding (Mil)29.39
» More Articles for NAS: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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