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Waterstone FinancialWSBF 55 Equity-to-Asset is 0.16 as of Jun. 2026, which is 16% below its 10-year median of 0.19. GuruFocus rates WSBF with a GF Score™ of 55/100 and a GF Value™ of $17.47 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,522 Banks companies, Waterstone Financial ranks better than 89.49% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Waterstone Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $351.1 Mil. Waterstone Financial's Total Assets for the quarter that ended in Jun. 2026 was $2,252.8 Mil.
Therefore, Waterstone Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.16.
The historical rank and industry rank for Waterstone Financial's Equity-to-Asset or its related term are showing as below:
WSBF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.15 Med: 0.19 Max: 0.24
Current: 0.16
During the past 13 years, the highest Equity to Asset Ratio of Waterstone Financial was 0.24. The lowest was 0.15. And the median was 0.19.
WSBF's Equity-to-Asset is ranked better than 89.49% of 1522
companies
in the Banks industry
Industry Median: 0.1
vs WSBF: 0.16
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Waterstone Financial Equity-to-Asset Related Terms
Waterstone Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Waterstone Financial's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Waterstone Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Waterstone Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.16 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Waterstone Financial and its competitors. This is 16% below median its historical median of 0.19. Over the past decade, Waterstone Financial's Equity-to-Asset has ranged from 0.15 to 0.24. According to the industry distribution chart, Waterstone Financial ranks #160 out of 1522 companies in the Banks industry, placing it in the top 10.5%.
Is Waterstone Financial's Equity-to-Asset too high?
Waterstone Financial's current Equity-to-Asset of 0.16 is 16% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.24. The Banks industry median Equity-to-Asset is 0.10. Waterstone Financial's value of 0.16 is 60% above this industry median. Based on the distribution chart, Waterstone Financial ranks #160 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Equity-to-Asset compare to CZFS and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #160 out of 1522 companies for Equity-to-Asset. This places Waterstone Financial in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Waterstone Financial's value of 0.16 is 60% above this benchmark. Historically, Waterstone Financial's own Equity-to-Asset has ranged from 0.15 to 0.24 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current Equity-to-Asset of 0.16 is 60% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current Equity-to-Asset is 0.16, which is 16% below median its own 10-year median of 0.19. 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 $17.47, compared to a current price of $21.06 — trading 20.5% above its estimated fair value. The current Equity-to-Asset is 0.16, which is 16% below median its 10-year median of 0.19 and 60% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Equity-to-Asset is 0.16 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 $21.06 is trading 20.5% above its estimated GF Value™ of $17.47.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
Equity-to-Asset: 0.16 (16% below median its 10-year median of 0.19)
GF Value™: $17.47 vs. price of $21.06 (20.5% above fair value)
Industry Position: 60% above the Banks median (#160 of 1522)
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.
55GF Score
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