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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 0.25
WSBF's Cash to Debt is ranked lower than
79% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. WSBF: 0.25 )
Ranked among companies with meaningful Cash to Debt only.
WSBF' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.13 Max: N/A
Current: 0.25
Equity to Asset 0.25
WSBF's Equity to Asset is ranked higher than
93% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WSBF: 0.25 )
Ranked among companies with meaningful Equity to Asset only.
WSBF' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.26
Current: 0.25
0.08
0.26
Interest Coverage 0.89
WSBF's Interest Coverage is ranked lower than
66% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. WSBF: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
WSBF' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.81 Max: 0.99
Current: 0.89
0.02
0.99
F-Score: 4
WACC vs ROIC
3.17%
1.80%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 16.64
WSBF's Operating margin (%) is ranked lower than
78% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. WSBF: 16.64 )
Ranked among companies with meaningful Operating margin (%) only.
WSBF' s 10-Year Operating margin (%) Range
Min: -450.83  Med: -14.05 Max: 29.21
Current: 16.64
-450.83
29.21
Net-margin (%) 10.62
WSBF's Net-margin (%) is ranked lower than
81% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. WSBF: 10.62 )
Ranked among companies with meaningful Net-margin (%) only.
WSBF' s 10-Year Net-margin (%) Range
Min: -55.86  Med: 15.02 Max: 316.11
Current: 10.62
-55.86
316.11
ROE (%) 3.05
WSBF's ROE (%) is ranked lower than
82% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. WSBF: 3.05 )
Ranked among companies with meaningful ROE (%) only.
WSBF' s 10-Year ROE (%) Range
Min: -14.18  Med: 4.30 Max: 18.92
Current: 3.05
-14.18
18.92
ROA (%) 0.78
WSBF's ROA (%) is ranked lower than
52% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. WSBF: 0.78 )
Ranked among companies with meaningful ROA (%) only.
WSBF' s 10-Year ROA (%) Range
Min: -1.47  Med: 0.68 Max: 2.07
Current: 0.78
-1.47
2.07
ROC (Joel Greenblatt) (%) 83.09
WSBF's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. WSBF: 83.09 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WSBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -188.49  Med: -5.17 Max: 81.83
Current: 83.09
-188.49
81.83
Revenue Growth (3Y)(%) 12.30
WSBF's Revenue Growth (3Y)(%) is ranked higher than
83% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. WSBF: 12.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WSBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 11.60 Max: 32.6
Current: 12.3
0
32.6
» WSBF's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

WSBF Guru Trades in Q4 2014

Jim Simons 1,446,881 sh (+8.12%)
Michael Price 1,249,300 sh (unchged)
» More
Q1 2015

WSBF Guru Trades in Q1 2015

Jim Simons 1,507,881 sh (+4.22%)
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%)

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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) 31.77
WSBF's P/E(ttm) is ranked lower than
89% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. WSBF: 31.77 )
Ranked among companies with meaningful P/E(ttm) only.
WSBF' s 10-Year P/E(ttm) Range
Min: 5.64  Med: 35.31 Max: 347.3
Current: 31.77
5.64
347.3
Forward P/E 22.17
WSBF's Forward P/E is ranked lower than
94% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. WSBF: 22.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 32.30
WSBF's PE(NRI) is ranked lower than
89% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. WSBF: 32.30 )
Ranked among companies with meaningful PE(NRI) only.
WSBF' s 10-Year PE(NRI) Range
Min: 5.64  Med: 35.06 Max: 430.15
Current: 32.3
5.64
430.15
P/B 1.01
WSBF's P/B is ranked higher than
59% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. WSBF: 1.01 )
Ranked among companies with meaningful P/B only.
WSBF' s 10-Year P/B Range
Min: 0.34  Med: 0.96 Max: 2.63
Current: 1.01
0.34
2.63
P/S 3.32
WSBF's P/S is ranked lower than
57% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. WSBF: 3.32 )
Ranked among companies with meaningful P/S only.
WSBF' s 10-Year P/S Range
Min: 0.62  Med: 2.64 Max: 13.78
Current: 3.32
0.62
13.78
EV-to-EBIT 35.38
WSBF's EV-to-EBIT is ranked lower than
86% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. WSBF: 35.38 )
Ranked among companies with meaningful EV-to-EBIT only.
WSBF' s 10-Year EV-to-EBIT Range
Min: -621  Med: 25.25 Max: 1739.2
Current: 35.38
-621
1739.2
Shiller P/E 55.58
WSBF's Shiller P/E is ranked lower than
93% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. WSBF: 55.58 )
Ranked among companies with meaningful Shiller P/E only.
WSBF' s 10-Year Shiller P/E Range
Min: 52.92  Med: 58.60 Max: 386.33
Current: 55.58
52.92
386.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.53
WSBF's Dividend Yield is ranked lower than
74% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. WSBF: 1.53 )
Ranked among companies with meaningful Dividend Yield only.
WSBF' s 10-Year Dividend Yield Range
Min: 0.43  Med: 1.16 Max: 1.57
Current: 1.53
0.43
1.57
Dividend Payout 0.48
WSBF's Dividend Payout is ranked lower than
72% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. WSBF: 0.48 )
Ranked among companies with meaningful Dividend Payout only.
WSBF' s 10-Year Dividend Payout Range
Min: 0.36  Med: 0.51 Max: 0.7
Current: 0.48
0.36
0.7
Yield on cost (5-Year) 1.53
WSBF's Yield on cost (5-Year) is ranked lower than
76% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. WSBF: 1.53 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WSBF' s 10-Year Yield on cost (5-Year) Range
Min: 0.43  Med: 1.16 Max: 1.57
Current: 1.53
0.43
1.57
Share Buyback Rate 0.30
WSBF's Share Buyback Rate is ranked higher than
77% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. WSBF: 0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
WSBF' s 10-Year Share Buyback Rate Range
Min: 0  Med: 2.50 Max: -0.6
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
WSBF's Price/Tangible Book is ranked higher than
62% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. WSBF: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
WSBF' s 10-Year Price/Tangible Book Range
Min: 0.36  Med: 0.95 Max: 2.53
Current: 1
0.36
2.53
Price/Projected FCF 1.07
WSBF's Price/Projected FCF is ranked lower than
78% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. WSBF: 1.07 )
Ranked among companies with meaningful Price/Projected FCF only.
WSBF' s 10-Year Price/Projected FCF Range
Min: 0.3  Med: 0.82 Max: 1.5
Current: 1.07
0.3
1.5
Price/Median PS Value 1.26
WSBF's Price/Median PS Value is ranked lower than
69% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. WSBF: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
WSBF' s 10-Year Price/Median PS Value Range
Min: 0.25  Med: 0.97 Max: 5.09
Current: 1.26
0.25
5.09
Price/Graham Number 1.20
WSBF's Price/Graham Number is ranked lower than
76% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. WSBF: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
WSBF' s 10-Year Price/Graham Number Range
Min: 0.61  Med: 1.29 Max: 21.26
Current: 1.2
0.61
21.26
Earnings Yield (Greenblatt) (%) 2.82
WSBF's Earnings Yield (Greenblatt) (%) is ranked lower than
78% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. WSBF: 2.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 2.20 Max: 6.2
Current: 2.82
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.
» More Articles for WSBF

Headlines

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