WSBF (Waterstone Financial) Moat Score: 3/10 (As of Jul. 09, 2026)


WSBF Waterstone Financial Inc WSBF
56 GF Score
Price $19.35
GF Value $16.88
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Waterstone Financial Moat Score?

Waterstone Financial WSBF +0.16% 56 Moat Score is 3 as of Jul. 09, 2026. GuruFocus rates WSBF with a GF Score™ of 56/100 and a GF Value™ of $16.88 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,609 Banks companies, Waterstone Financial ranks better than 74.52% on this metric.

Waterstone Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Waterstone Financial has No Moat: Waterstone Financial operates in a competitive banking sector with limited differentiation. It lacks significant cost advantages, brand strength, or regulatory barriers that would provide a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Waterstone Financial might have No Moat - Very weak/transient advantages.

Waterstone Financial  (NAS:WSBF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Waterstone Financial Moat Score Related Terms

WSBF vs USCB, MVBF, RVRF: Moat Score Comparison

For the Banks - Regional subindustry, Waterstone Financial's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Waterstone Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Waterstone Financial's Moat Score falls into.


WSBF
56GF Score
Waterstone Financial Inc WSBF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Waterstone Financial (WSBF) has a Moat Score of 3 as of Jul. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Waterstone Financial ranks #410 out of 1609 companies in the Banks industry, placing it in the top 25.5%.
Is Waterstone Financial's Moat Score too high?
Waterstone Financial's current Moat Score is 3. Based on the distribution chart, Waterstone Financial ranks #410 out of 1609 companies in the Banks industry, which is above 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 Moat Score compare to USCB and MVBF?
According to the Banks industry distribution chart, Waterstone Financial ranks #410 out of 1609 companies for Moat Score. This puts Waterstone Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Waterstone Financial's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Moat Score is 3 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:

  • Moat Score: 3
  • GF Value™: $16.88 vs. price of $19.35 (14.6% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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 Business Description

Other Exchanges 47Z:Germany
Address 11200 West Plank Court, Wauwatosa, WI, USA, 53226
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.35
Price
$16.88
GF Value