Waterstone Financial (FRA:47Z) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)

What is Waterstone Financial LT-Debt-to-Total-Asset?

Waterstone Financial FRA:47Z 56 LT-Debt-to-Total-Asset is 0.11 as of Mar. 2026. GuruFocus rates FRA:47Z with a GF Score™ of 56/100 and a GF Value™ of €14.42 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Waterstone Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

Waterstone Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.09) to Mar. 2026 (0.11). It may suggest that Waterstone Financial is progressively becoming more dependent on debt to grow their business.

Waterstone Financial (FRA:47Z) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Waterstone Financial LT-Debt-to-Total-Asset Related Terms

Waterstone Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Waterstone Financial's LT-Debt-to-Total-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.

Waterstone Financial LT-Debt-to-Total-Asset Chart

Waterstone Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.21

0.10

0.07

0.08

Waterstone Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.09	0.09	0.09	0.08	0.11

56GF Score

Waterstone Financial Inc FRA:47Z

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Waterstone Financial LT-Debt-to-Total-Asset Calculation

Waterstone Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	162.26	/	1929.619
	=	0.08

Waterstone Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	210.171	/	1947.304
	=	0.11

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.11 mean?

Waterstone Financial (FRA:47Z) has a LT-Debt-to-Total-Asset of 0.11 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Waterstone Financial and its competitors.

Is Waterstone Financial's LT-Debt-to-Total-Asset too high?

Waterstone Financial's current LT-Debt-to-Total-Asset is 0.11. 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 LT-Debt-to-Total-Asset compare to USCB and MVBF?

Waterstone Financial's LT-Debt-to-Total-Asset of 0.11 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Waterstone Financial and its competitors. Waterstone Financial's current LT-Debt-to-Total-Asset is 0.11. 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 (FRA:47Z) is currently considered Modestly Overvalued. The stock's GF Value™ is €14.42, compared to a current price of €16.50 — trading 14.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.11. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Waterstone Financial (FRA:47Z), the current LT-Debt-to-Total-Asset is 0.11 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 (FRA:47Z) Overvalued in 2026?

Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued. The current stock price of €16.50 is trading 14.4% above its estimated GF Value™ of €14.42. GuruFocus considers Waterstone Financial to be Modestly Overvalued.

Key valuation signals for FRA:47Z:

LT-Debt-to-Total-Asset: 0.11
GF Value™: €14.42 vs. price of €16.50 (14.4% above fair value)
GF Score™: 56/100 with 7 warning signs

No single metric tells the full story. See the FRA:47Z stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Waterstone Financial Business Description

Industry Financial Services Banks

Comparable Companies USCB MVBF RVRF AVBC CHMG AVBH BCML CZFS NECB TSBK SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges WSBF:USA

Address 11200 West Plank Court, Wauwatosa, WI, USA, 53226

Website http://www.wsbonline.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€16.50

Price

€14.42

GF Value

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