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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.11
WSBF's Cash-to-Debt is ranked lower than
97% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. WSBF: 0.11 )
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: 0.11
Equity-to-Asset 0.24
WSBF's Equity-to-Asset is ranked higher than
93% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WSBF: 0.24 )
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: 0.24
0.08
0.26
Interest Coverage 2.48
WSBF's Interest Coverage is ranked higher than
56% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. WSBF: 2.48 )
Ranked among companies with meaningful Interest Coverage only.
WSBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.94 Max: 2.48
Current: 2.48
0.02
2.48
Beneish M-Score: -2.16
WACC vs ROIC
2.96%
3.82%
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 % 26.09
WSBF's Operating Margin % is ranked lower than
66% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. WSBF: 26.09 )
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: 26.09
Current: 26.09
-51.01
26.09
Net Margin % 16.03
WSBF's Net Margin % is ranked lower than
73% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. WSBF: 16.03 )
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: 16.03
-55.86
26.22
ROE % 6.96
WSBF's ROE % is ranked lower than
66% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. WSBF: 6.96 )
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: 6.96
-14.18
18.92
ROA % 1.60
WSBF's ROA % is ranked higher than
77% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. WSBF: 1.60 )
Ranked among companies with meaningful ROA % only.
WSBF' s ROA % Range Over the Past 10 Years
Min: -1.47  Med: 0.39 Max: 2.07
Current: 1.6
-1.47
2.07
3-Year Revenue Growth Rate 18.90
WSBF's 3-Year Revenue Growth Rate is ranked higher than
90% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. WSBF: 18.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WSBF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 11.5 Max: 32.7
Current: 18.9
0
32.7
3-Year EBITDA Growth Rate 25.40
WSBF's 3-Year EBITDA Growth Rate is ranked higher than
85% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. WSBF: 25.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WSBF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -34.8 Max: 482.1
Current: 25.4
0
482.1
3-Year EPS without NRI Growth Rate 29.30
WSBF's 3-Year EPS without NRI Growth Rate is ranked higher than
86% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. WSBF: 29.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WSBF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 29.3
Current: 29.3
0
29.3
GuruFocus has detected 1 Warning Sign with Waterstone Financial Inc $WSBF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WSBF's 30-Y Financials

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


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

WSBF Guru Trades in Q4 2016

Keeley Asset Management Corp 16,000 sh (+14.29%)
Jim Simons 2,363,274 sh (+4.76%)
Michael Price 1,189,617 sh (unchged)
» More
Q1 2017

WSBF Guru Trades in Q1 2017

Jim Simons 2,402,574 sh (+1.66%)
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:FDEF, NAS:HONE, NAS:BKMU, NAS:UCFC, NAS:HIFS, NAS:CSBK, NAS:DCOM, NAS:EBTC, NAS:BSF, NAS:CASH, NAS:HMST, NAS:FFIC, NAS:TBNK, OTCPK:NASB, NAS:UBNK, NAS:HBCP, NAS:LOB, NAS:SMBC, NAS:OCFC, NAS:EBSB » details
Headquarter Location:USA
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.

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
PE Ratio 18.17
WSBF's PE Ratio is ranked lower than
71% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. WSBF: 18.17 )
Ranked among companies with meaningful PE Ratio only.
WSBF' s PE Ratio Range Over the Past 10 Years
Min: 5.64  Med: 28.04 Max: 347.3
Current: 18.17
5.64
347.3
PE Ratio without NRI 18.17
WSBF's PE Ratio without NRI is ranked lower than
71% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. WSBF: 18.17 )
Ranked among companies with meaningful PE Ratio without NRI only.
WSBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.64  Med: 28.04 Max: 428.33
Current: 18.17
5.64
428.33
Price-to-Owner-Earnings 21.18
WSBF's Price-to-Owner-Earnings is ranked lower than
70% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. WSBF: 21.18 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WSBF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.97  Med: 20.23 Max: 33.13
Current: 21.18
7.97
33.13
PB Ratio 1.30
WSBF's PB Ratio is ranked lower than
57% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. WSBF: 1.30 )
Ranked among companies with meaningful PB Ratio only.
WSBF' s PB Ratio Range Over the Past 10 Years
Min: 0.34  Med: 1.01 Max: 2.64
Current: 1.3
0.34
2.64
PS Ratio 2.91
WSBF's PS Ratio is ranked higher than
60% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. WSBF: 2.91 )
Ranked among companies with meaningful PS Ratio only.
WSBF' s PS Ratio Range Over the Past 10 Years
Min: 0.62  Med: 2.83 Max: 13.9
Current: 2.91
0.62
13.9
Price-to-Free-Cash-Flow 24.22
WSBF's Price-to-Free-Cash-Flow is ranked lower than
99.99% of the 870 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.33 vs. WSBF: 24.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WSBF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.27  Med: 13.01 Max: 595.5
Current: 24.22
1.27
595.5
Price-to-Operating-Cash-Flow 22.96
WSBF's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.82 vs. WSBF: 22.96 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WSBF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.25  Med: 14.51 Max: 340.29
Current: 22.96
1.25
340.29
EV-to-EBIT 18.48
WSBF's EV-to-EBIT is ranked lower than
76% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. WSBF: 18.48 )
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: 690.4
Current: 18.48
-620.9
690.4
EV-to-EBITDA 18.39
WSBF's EV-to-EBITDA is ranked lower than
80% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. WSBF: 18.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
WSBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -567.8  Med: 24.7 Max: 4014.4
Current: 18.39
-567.8
4014.4
Shiller PE Ratio 88.55
WSBF's Shiller PE Ratio is ranked lower than
96% of the 479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.93 vs. WSBF: 88.55 )
Ranked among companies with meaningful Shiller PE Ratio only.
WSBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 86.9  Med: 140.05 Max: 270
Current: 88.55
86.9
270

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.14
WSBF's Dividend Yield % is ranked lower than
70% of the 2319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. WSBF: 2.14 )
Ranked among companies with meaningful Dividend Yield % only.
WSBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.43  Med: 1.53 Max: 2.19
Current: 2.14
0.43
2.19
Dividend Payout Ratio 0.32
WSBF's Dividend Payout Ratio is ranked lower than
54% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. WSBF: 0.32 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WSBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.4 Max: 0.45
Current: 0.32
0.32
0.45
Forward Dividend Yield % 2.59
WSBF's Forward Dividend Yield % is ranked lower than
56% of the 2248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. WSBF: 2.59 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.14
WSBF's 5-Year Yield-on-Cost % is ranked lower than
76% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.31 vs. WSBF: 2.14 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WSBF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.43  Med: 1.53 Max: 2.19
Current: 2.14
0.43
2.19
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: -1.80 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: 0 Max: 0
Current: 5.1
-0.1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.26
WSBF's Price-to-Tangible-Book is ranked lower than
52% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. WSBF: 1.26 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WSBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.35  Med: 1.01 Max: 2.53
Current: 1.26
0.35
2.53
Price-to-Intrinsic-Value-Projected-FCF 1.09
WSBF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
84% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. WSBF: 1.09 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WSBF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0  Med: 0.97 Max: 1.46
Current: 1.09
0
1.46
Price-to-Median-PS-Value 1.03
WSBF's Price-to-Median-PS-Value is ranked higher than
65% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. WSBF: 1.03 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WSBF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0  Med: 1.03 Max: 5.7
Current: 1.03
0
5.7
Price-to-Graham-Number 1.01
WSBF's Price-to-Graham-Number is ranked lower than
59% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. WSBF: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WSBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0  Med: 1.12 Max: 5.91
Current: 1.01
0
5.91
Earnings Yield (Greenblatt) % 5.40
WSBF's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. WSBF: 5.40 )
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: 5.4
0.1
6.2

More Statistics

Revenue (TTM) (Mil) $176.2
EPS (TTM) $ 1.03
Beta0.11
Short Percentage of Float1.66%
52-Week Range $14.20 - 20.40
Shares Outstanding (Mil)29.43
» More Articles for WSBF

Headlines

Articles On GuruFocus.com
Waterstone Financial Declares Special Dividend Apr 19 2017 
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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