Waterstone Financial has the GF Score of 56, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Waterstone Financial
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Waterstone Financial GF Score Related Terms
WSBF vs USCB, MVBF, RVRF: GF Score Comparison
For the Banks - Regional subindustry, Waterstone Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's GF Score distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's GF Score falls into.
Waterstone Financial (WSBF) has a GF Score of 56 as of Jul. 09, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Waterstone Financial and its competitors. This is 16% below median its historical median of 67.00. Over the past decade, Waterstone Financial's GF Score has ranged from 53.00 to 84.00.
Is Waterstone Financial's GF Score too high?
Waterstone Financial's current GF Score of 56 is 16% below median its 10-year median of 67.00. Over the past 10 years, this metric has ranged from a low of 53.00 to a high of 84.00. 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 GF Score compare to USCB and MVBF?
Waterstone Financial's GF Score of 56 can be compared against companies in the Banks industry. Historically, Waterstone Financial's own GF Score has ranged from 53.00 to 84.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Waterstone Financial and its competitors. Waterstone Financial's current GF Score is 56, which is 16% below median its own 10-year median of 67.00. 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 $16.88, compared to a current price of $19.35 — trading 14.6% above its estimated fair value. The current GF Score is 56, which is 16% below median its 10-year median of 67.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current GF Score is 56 as of Jul. 09, 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 $19.35 is trading 14.6% above its estimated GF Value™ of $16.88.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
GF Score: 56 (16% below median its 10-year median of 67.00)
GF Value™: $16.88 vs. price of $19.35 (14.6% 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
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