The historical rank and industry rank for Waterstone Financial's FCF Margin % or its related term are showing as below:
WSBF'
s FCF Margin % Range Over the Past 10 Years
Min: -32.37 Med: 19.39 Max: 130.55
Current: -3.52
During the past 13 years, the highest FCF Margin % of Waterstone Financial was 130.55%. The lowest was -32.37%. And the median was 19.39%.
WSBF's FCF Margin % is ranked worse than 75.2% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs WSBF: -3.52
Waterstone Financial FCF Margin % Related Terms
Waterstone Financial FCF Margin % Historical Data
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The historical data trend for Waterstone Financial's FCF Margin % 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.
For the Banks - Regional subindustry, Waterstone Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's FCF Margin % 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 FCF Margin % of -4.73% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Waterstone Financial and its competitors. According to the industry distribution chart, Waterstone Financial ranks #1131 out of 1504 companies in the Banks industry, placing it in the top 75.2%.
Is Waterstone Financial's FCF Margin % too high?
Waterstone Financial's current FCF Margin % is -4.73%. Based on the distribution chart, Waterstone Financial ranks #1131 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 FCF Margin % compare to BFCC and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #1131 out of 1504 companies for FCF Margin %. This places Waterstone Financial in the lower half of its industry. The industry median FCF Margin % is 26.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current FCF Margin % is -4.73%. 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 $16.86, compared to a current price of $19.80 — trading 17.4% above its estimated fair value. The current FCF Margin % is -4.73%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current FCF Margin % is -4.73% 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 $19.80 is trading 17.4% above its estimated GF Value™ of $16.86.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
FCF Margin %: -4.73%
GF Value™: $16.86 vs. price of $19.80 (17.4% above fair value)
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
Get the complete analysis for WSBF
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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