NAS:WSBF (USA)

Waterstone Financial Inc

$ 16.82 -0.01 (-0.06%)
Volume: 4,062 Avg Vol (1m): 57,138
Market Cap $: 470.94 Mil Enterprise Value $: 648.24 Mil
P/E (TTM): 15.32 P/B: 1.17
Earnings Power Value -7.52
Net Current Asset Value 0
Tangible Book 14.39
Projected FCF 21.84
Median P/S Value 16.76
Graham Number 18.87
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3.2/10

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.
Current vs industry vs history
Cash-to-Debt 0.19
Cash-To-Debt range over the past 10 years
Min: 0.01, Med: 0.13, Max: 10000
Current: 0.19
0.01
10000
Equity-to-Asset 0.20
Equity-to-Asset range over the past 10 years
Min: 0.08, Med: 0.14, Max: 0.26
Current: 0.2
0.08
0.26
Debt-to-Equity 1.17
Debt-to-Equity range over the past 10 years
Min: 0.49, Med: 1.46, Max: 3.1
Current: 1.17
0.49
3.1
Debt-to-EBITDA 2.62
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 2.62
Current: 2.62
0
2.62
Beneish M-Score -2.91
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 2.88%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 17.72
Net Margin range over the past 10 years
Min: -17.71, Med: 11.57, Max: 26.22
Current: 17.72
-17.71
26.22
ROE % 7.62
ROE range over the past 10 years
Min: -5.97, Med: 5.12, Max: 18.92
Current: 7.62
-5.97
18.92
ROA % 1.60
ROA range over the past 10 years
Min: -0.54, Med: 0.88, Max: 2.07
Current: 1.6
-0.54
2.07
3-Year Total Revenue Growth Rate 6.30
3-Year Revenue Growth Rate range over the past 10 years
Min: 7.7, Med: 18.8, Max: 133.1
Current: 8.6
7.7
133.1
3-Year EPS w/o NRI Growth Rate 25.60
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 34.8
Current: 25.6
0
34.8

» WSBF's 30-Y Financials

Financials (Next Earnings Date: 2019-07-31)

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Business Description

Industry Banks » Banks    NAICS : 522120    SIC : 6035
Compare NAS:UCFC NAS:HIFS NAS:FDEF NAS:EBTC NAS:HBCP NAS:HONE NAS:SMBC OTCPK:NASB NAS:TBNK NAS:DCOM NAS:LOB NAS:GCBC NAS:TSBK NAS:UBNK NAS:RVSB NAS:SIFI NAS:FNWB OSL:SADG NAS:ESSA NAS:MLVF
Traded in other countries
Address 11200 West Plank Court, Wauwatosa, WI, USA, 53226
Waterstone Financial Inc is a one-bank holding company with two segments: community banking & mortgage banking. The Company provides consumer and business banking products and services to customers, and also provides residential mortgage loans.

Ratios

Current vs industry vs history
PE Ratio (TTM) 15.32
PE Ratio range over the past 10 years
Min: 5.64, Med: 19.17, Max: 49.11
Current: 15.32
5.64
49.11
PE Ratio without NRI 15.32
PE without NRI range over the past 10 years
Min: 5.64, Med: 19.17, Max: 49.11
Current: 15.32
5.64
49.11
Price-to-Owner-Earnings 16.14
Price-to-Owner-Earnings range over the past 10 years
Min: 7.13, Med: 22.57, Max: 60.65
Current: 16.14
7.13
60.65
PB Ratio 1.17
PB Ratio range over the past 10 years
Min: 0.34, Med: 1.01, Max: 1.9
Current: 1.17
0.34
1.9
PS Ratio 2.66
PS Ratio range over the past 10 years
Min: 0.62, Med: 2.68, Max: 6.67
Current: 2.66
0.62
6.67
Price-to-Free-Cash-Flow 12.08
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.27, Med: 9.94, Max: 504.44
Current: 12.08
1.27
504.44
Price-to-Operating-Cash-Flow 10.92
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.25, Med: 10.22, Max: 202.4
Current: 10.92
1.25
202.4
EV-to-Revenue 3.75
EV-to-Revenue range over the past 10 years
Min: 1.5, Med: 5.1, Max: 16.6
Current: 3.75
1.5
16.6
Shiller PE Ratio 31.42
Shiller PE Ratio range over the past 10 years
Min: 28.87, Med: 96.58, Max: 270
Current: 31.42
28.87
270

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.85
Trailing Dividend Yield range over the past 10 years
Min: 0.43, Med: 1.82, Max: 3.08
Current: 2.85
0.43
3.08
Dividend Payout Ratio 0.44
Dividend Payout Ratio range over the past 10 years
Min: 0.36, Med: 0.4, Max: 0.45
Current: 0.44
0.36
0.45
3-Year Dividend Growth Rate (Per Share) 24.30
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 33.9
Current: 24.3
0
33.9
Forward Dividend Yield % 2.85
N/A
Yield-on-Cost (5-Year) % 2.84
Yield-on-Cost (5y) range over the past 10 years
Min: 0.43, Med: 1.82, Max: 3.08
Current: 2.84
0.43
3.08
3-Year Share Buyback Rate 1.10
3-Year Share Buyback Rate range over the past 10 years
Min: -0.1, Med: 0.6, Max: 5.1
Current: 1.1
-0.1
5.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.17
Price-to-Tangible-Book range over the past 10 years
Min: 0.35, Med: 1.19, Max: 2.53
Current: 1.17
0.35
2.53
Price-to-Projected-FCF 0.77
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.29, Med: 0.89, Max: 1.46
Current: 0.77
0.29
1.46
Price-to-Median-PS-Value 1.00
Price-to-Median-PS-Value range over the past 10 years
Min: 0.24, Med: 1.04, Max: 6.03
Current: 1
0.24
6.03
Price-to-Graham-Number 0.89
Price-to-Graham-Number range over the past 10 years
Min: 0.61, Med: 1.08, Max: 5.74
Current: 0.89
0.61
5.74

More Statistics

Revenue (TTM) (Mil) $ 171.25
EPS (TTM) $ 1.1
Beta 0.14
Volatility % 11.42
52-Week Range $ 15.2 - 17.55
Shares Outstanding (Mil) 27.98

Analyst Estimate

Piotroski F-Score Details