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Waterstone FinancialWSBF -0.14%56 Debt-to-Equity is 1.16 as of Jun. 2026, which is 4% above its 10-year median of 1.12. GuruFocus rates WSBF with a GF Score™ of 56/100 and a GF Value™ of $16.92 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, Waterstone Financial ranks worse than 71.08% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Waterstone Financial's Debt-to-Equity or its related term are showing as below:
WSBF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.64 Med: 1.12 Max: 1.87
Current: 1.17
During the past 13 years, the highest Debt-to-Equity Ratio of Waterstone Financial was 1.87. The lowest was 0.64. And the median was 1.12.
WSBF's Debt-to-Equity is ranked worse than 71.08% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs WSBF: 1.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Waterstone Financial Debt-to-Equity Related Terms
Waterstone Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Waterstone Financial's Debt-to-Equity 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.
WSBF vs CZFS, NECB, NWFL: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Waterstone Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Waterstone Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's Debt-to-Equity falls into.
* 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 (WSBF) has a Debt-to-Equity of 1.16 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Waterstone Financial and its competitors. This is near median its historical median of 1.12. Over the past decade, Waterstone Financial's Debt-to-Equity has ranged from 0.64 to 1.87. According to the industry distribution chart, Waterstone Financial ranks #1010 out of 1421 companies in the Banks industry, placing it in the top 71.1%.
Is Waterstone Financial's Debt-to-Equity too high?
Waterstone Financial's current Debt-to-Equity of 1.16 is near median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.87. The Banks industry median Debt-to-Equity is 0.58. Waterstone Financial's value of 1.16 is 100% above this industry median. Based on the distribution chart, Waterstone Financial ranks #1010 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Waterstone Financial has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Waterstone Financial's Debt-to-Equity compare to CZFS and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #1010 out of 1421 companies for Debt-to-Equity. This places Waterstone Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Waterstone Financial's value of 1.16 is 100% above this benchmark. Historically, Waterstone Financial's own Debt-to-Equity has ranged from 0.64 to 1.87 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 0.58, Waterstone Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current Debt-to-Equity of 1.16 is 100% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current Debt-to-Equity is 1.16, which is near median its own 10-year median of 1.12. 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 $16.92, compared to a current price of $20.84 — trading 23.2% above its estimated fair value. The current Debt-to-Equity is 1.16, which is near median its 10-year median of 1.12 and 100% above the Banks industry median of 0.58. Waterstone Financial's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Debt-to-Equity is 1.16 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 $20.84 is trading 23.2% above its estimated GF Value™ of $16.92.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
Debt-to-Equity: 1.16 (near median its 10-year median of 1.12)
GF Value™: $16.92 vs. price of $20.84 (23.2% above fair value)
Industry Position: 100% above the Banks median (#1010 of 1421)
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 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.
56GF Score
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