Waterstone FinancialWSBF +1.59%56 Net Margin % is 17.30% as of Mar. 2026, which is 3% above its 10-year median of 16.75. GuruFocus rates WSBF with a GF Score™ of 56/100 and a GF Value™ of $16.86 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Waterstone Financial ranks worse than 70.05% on this metric.
The historical rank and industry rank for Waterstone Financial's Net Margin % or its related term are showing as below:
WSBF'
s Net Margin % Range Over the Past 10 Years
Min: 7.33 Med: 16.75 Max: 27.86
Current: 20.27
WSBF's Net Margin % is ranked worse than 70.05% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs WSBF: 20.27
Waterstone Financial (NAS:WSBF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Waterstone Financial Net Margin % Related Terms
Waterstone Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Waterstone Financial's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's Net Margin % 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.
Waterstone Financial (WSBF) has a Net Margin % of 17.30% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Waterstone Financial and its competitors. This is near median its historical median of 16.75. Over the past decade, Waterstone Financial's Net Margin % has ranged from 7.33 to 27.86. According to the industry distribution chart, Waterstone Financial ranks #1069 out of 1526 companies in the Banks industry, placing it in the top 70.1%.
Is Waterstone Financial's Net Margin % too high?
Waterstone Financial's current Net Margin % of 17.30% is near median its 10-year median of 16.75. Over the past 10 years, this metric has ranged from a low of 7.33 to a high of 27.86. The Banks industry median Net Margin % is 26.97. Waterstone Financial's value of 17.30% is 35.9% below this industry median. Based on the distribution chart, Waterstone Financial ranks #1069 out of 1526 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 Net Margin % compare to BFCC and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #1069 out of 1526 companies for Net Margin %. This places Waterstone Financial in the lower half of its industry. The industry median Net Margin % is 26.97. Waterstone Financial's value of 17.30% is 35.9% below this benchmark. Historically, Waterstone Financial's own Net Margin % has ranged from 7.33 to 27.86 over the past decade. While the company's 10-year median is 16.75 vs. the industry median of 26.97, Waterstone Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current Net Margin % of 17.30% is 35.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current Net Margin % is 17.30%, which is near median its own 10-year median of 16.75. 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 $16.86, compared to a current price of $19.79 — trading 17.4% above its estimated fair value. The current Net Margin % is 17.30%, which is near median its 10-year median of 16.75 and 35.9% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Net Margin % is 17.30% 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 (WSBF) Overvalued in 2026?
Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued.
The current stock price of $19.79 is trading 17.4% above its estimated GF Value™ of $16.86.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
Net Margin %: 17.30% (near median its 10-year median of 16.75)
GF Value™: $16.86 vs. price of $19.79 (17.4% above fair value)
Industry Position: 35.9% below the Banks median (#1069 of 1526)
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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