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Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Waterstone Financial's Net Debt Paydown Yield % was 2.90%.
Waterstone Financial (NAS:WSBF) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Waterstone Financial Net Debt Paydown Yield % Related Terms
Waterstone Financial Net Debt Paydown Yield % Historical Data
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The historical data trend for Waterstone Financial's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
WSBF vs USCB, MVBF, RVRF: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Waterstone Financial's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 2.90% mean?
Waterstone Financial (WSBF) has a Net Debt Paydown Yield % of 2.90% as of Jul. 14, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Waterstone Financial and its competitors. According to the industry distribution chart, Waterstone Financial ranks #415 out of 1421 companies in the Banks industry, placing it in the top 29.2%.
Is Waterstone Financial's Net Debt Paydown Yield % too high?
Waterstone Financial's current Net Debt Paydown Yield % is 2.90%. Based on the distribution chart, Waterstone Financial ranks #415 out of 1421 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 Net Debt Paydown Yield % compare to USCB and MVBF?
According to the Banks industry distribution chart, Waterstone Financial ranks #415 out of 1421 companies for Net Debt Paydown Yield %. 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Waterstone Financial and its competitors. Waterstone Financial's current Net Debt Paydown Yield % is 2.90%. 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 $16.89, compared to a current price of $19.77 — trading 17.1% above its estimated fair value. The current Net Debt Paydown Yield % is 2.90%. Waterstone Financial's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Net Debt Paydown Yield % is 2.90% as of Jul. 14, 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 $19.77 is trading 17.1% above its estimated GF Value™ of $16.89.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
Net Debt Paydown Yield %: 2.90%
GF Value™: $16.89 vs. price of $19.77 (17.1% 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
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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