WSBF (Waterstone Financial) Net Loan: $1,811.0 Mil (As of Mar. 2026)

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WSBF Waterstone Financial Inc WSBF
55 GF Score
Price $20.06
GF Value $16.90
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Waterstone Financial Net Loan?

Waterstone Financial WSBF +3.14% 55 Net Loan is $1,811.0 Mil as of Mar. 2026. GuruFocus rates WSBF with a GF Score™ of 55/100 and a GF Value™ of $16.90 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Waterstone Financial's quarterly net loan declined from Sep. 2025 ($1,832.8 Mil) to Dec. 2025 ($1,803.1 Mil) but then increased from Dec. 2025 ($1,803.1 Mil) to Mar. 2026 ($1,811.0 Mil).

Waterstone Financial's annual net loan declined from Dec. 2023 ($1,810.7 Mil) to Dec. 2024 ($1,803.1 Mil) but then increased from Dec. 2024 ($1,803.1 Mil) to Dec. 2025 ($1,811.0 Mil).

Waterstone Financial Net Loan Historical Data

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The historical data trend for Waterstone Financial's Net Loan 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 Net Loan Chart

Waterstone Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,502.75 1,623.61 1,810.66 1,798.24 1,803.13

Waterstone Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan 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 1,808.30 1,832.84 1,803.13 1,810.95 1,817.69
WSBF
55GF Score
Waterstone Financial Inc WSBF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Waterstone Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $1,811.0 Mil mean?
Waterstone Financial (WSBF) has a Net Loan of $1,811.0 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Waterstone Financial and its competitors.
Is Waterstone Financial's Net Loan too high?
Waterstone Financial's current Net Loan is $1,811.0 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 Net Loan compare to USCB and MVBF?
Waterstone Financial's Net Loan of $1,811.0 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Waterstone Financial and its competitors. Waterstone Financial's current Net Loan is $1,811.0 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 $16.90, compared to a current price of $20.06 — trading 18.7% above its estimated fair value. The current Net Loan is $1,811.0 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 Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Net Loan is $1,811.0 Mil as of Mar. 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 $20.06 is trading 18.7% above its estimated GF Value™ of $16.90. GuruFocus considers Waterstone Financial to be Modestly Overvalued.

Key valuation signals for WSBF:

  • Net Loan: $1,811.0 Mil
  • GF Value™: $16.90 vs. price of $20.06 (18.7% 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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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.06
Price
$16.90
GF Value