WSBF (Waterstone Financial) Accounts Receivable: $0.0 Mil (As of Jun. 2026)

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WSBF Waterstone Financial Inc WSBF
55 GF Score
Price $21.52
GF Value $17.48
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Waterstone Financial Accounts Receivable?

Waterstone Financial WSBF +0.91% 55 Accounts Receivable is $0.0 Mil as of Jun. 2026. GuruFocus rates WSBF with a GF Score™ of 55/100 and a GF Value™ of $17.48 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Waterstone Financial's accounts receivables for the quarter that ended in Jun. 2026 was $0.0 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Waterstone Financial's Days Sales Outstanding for the quarter that ended in Jun. 2026 was 0.00.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Waterstone Financial's Net-Net Working Capital per share for the quarter that ended in Jun. 2026 was $-94.50.

Waterstone Financial Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Waterstone Financial's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/39.433*91
=0.00

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Waterstone Financial's accounts receivable are only considered to be worth 75% of book value:

Waterstone Financial's Net-Net Working Capital Per Share for the quarter that ended in Jun. 2026 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(202.918+0.75 * 0+0.5 * 0-1901.63
-0-0)/17.975
=-94.50

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Waterstone Financial Accounts Receivable Related Terms

Waterstone Financial Accounts Receivable Historical Data

* Premium members only.

The historical data trend for Waterstone Financial's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Waterstone Financial Accounts Receivable Chart

Waterstone Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Waterstone Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Accounts Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
WSBF
55GF Score
Waterstone Financial Inc WSBF
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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Waterstone Financial Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of $0.0 Mil mean?
Waterstone Financial (WSBF) has a Accounts Receivable of $0.0 Mil as of Jun. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Waterstone Financial and its competitors.
Is Waterstone Financial's Accounts Receivable too high?
Waterstone Financial's current Accounts Receivable is $0.0 Mil. Overall, Waterstone Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Waterstone Financial's Accounts Receivable compare to NWFL and PCB?
Waterstone Financial's Accounts Receivable of $0.0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Waterstone Financial and its competitors. Waterstone Financial's current Accounts Receivable is $0.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Waterstone Financial stock overvalued right now?
Based on GuruFocus' analysis, Waterstone Financial (WSBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.48, compared to a current price of $21.52 — trading 23.1% above its estimated fair value. The current Accounts Receivable is $0.0 Mil. Waterstone Financial's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Accounts Receivable is $0.0 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Waterstone Financial (WSBF) Overvalued in 2026?

Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued. The current stock price of $21.52 is trading 23.1% above its estimated GF Value™ of $17.48. GuruFocus considers Waterstone Financial to be Modestly Overvalued.

Key valuation signals for WSBF:

  • Accounts Receivable: $0.0 Mil
  • GF Value™: $17.48 vs. price of $21.52 (23.1% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the WSBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Waterstone Financial Business Description

Other Exchanges 47Z:Germany
Address 11200 West Plank Court, Wauwatosa, WI, USA, 53226
Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The majority of its revenue comes from the Community Banking segment.
55GF Score

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Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.52
Price
$17.48
GF Value