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Waterstone Financial's quarterly market cap
increased
from Sep. 2025 ($289.0 Mil) to Dec. 2025 ($303.9 Mil) and
increased
from Dec. 2025 ($303.9 Mil) to Mar. 2026 ($327.2 Mil).
Waterstone Financial's annual market cap
declined
from Dec. 2023 ($288.5 Mil) to Dec. 2024 ($260.0 Mil) but then
increased
from Dec. 2024 ($260.0 Mil) to Dec. 2025 ($303.9 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Waterstone Financial's Enterprise Value for Today is $753.9 Mil.
Waterstone Financial (NAS:WSBF) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Waterstone Financial Market Cap Related Terms
Waterstone Financial Market Cap Historical Data
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The historical data trend for Waterstone Financial's Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's Market Cap distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
Waterstone Financial's Market Cap 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 Market Cap of $375.0 Mil as of Aug. 03, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Waterstone Financial and its competitors. According to the industry distribution chart, Waterstone Financial ranks #932 out of 1542 companies in the Banks industry, placing it in the top 60.4%.
Is Waterstone Financial's Market Cap too high?
Waterstone Financial's current Market Cap is $375.0 Mil. The Banks industry median Market Cap is 731.81. Waterstone Financial's value of $375.0 Mil is 48.8% below this industry median. Based on the distribution chart, Waterstone Financial ranks #932 out of 1542 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 Market Cap compare to CZFS and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #932 out of 1542 companies for Market Cap. This places Waterstone Financial in the lower half of its industry. The industry median Market Cap is 731.81. Waterstone Financial's value of $375.0 Mil is 48.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 731.81, based on 1,542 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current Market Cap of $375.0 Mil is 48.8% below 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median Market Cap is 731.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current Market Cap is $375.0 Mil. 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 $16.91, compared to a current price of $20.81 — trading 23.1% above its estimated fair value. The current Market Cap is $375.0 Mil and 48.8% below the Banks industry median of 731.81. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Market Cap is $375.0 Mil as of Aug. 03, 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 $20.81 is trading 23.1% above its estimated GF Value™ of $16.91.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
Market Cap: $375.0 Mil
GF Value™: $16.91 vs. price of $20.81 (23.1% above fair value)
Industry Position: 48.8% below the Banks median (#932 of 1542)
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
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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