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Waterstone FinancialWSBF -0.14%56 OCF Margin % is 24.10% as of Jun. 2026, which is 15% above its 10-year median of 20.99. GuruFocus rates WSBF with a GF Score™ of 56/100 and a GF Value™ of $17.39 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,498 Banks companies, Waterstone Financial ranks better than 51.07% on this metric.
The historical data trend for Waterstone Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's OCF 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 OCF Margin % of 24.10% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Waterstone Financial and its competitors. This is 15% above median its historical median of 20.99. According to the industry distribution chart, Waterstone Financial ranks #733 out of 1498 companies in the Banks industry, placing it in the top 48.9%.
Is Waterstone Financial's OCF Margin % too high?
Waterstone Financial's current OCF Margin % of 24.10% is 15% above median its 10-year median of 20.99. The Banks industry median OCF Margin % is 29.71. Waterstone Financial's value of 24.10% is 18.9% below this industry median. Based on the distribution chart, Waterstone Financial ranks #733 out of 1498 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 OCF Margin % compare to CZFS and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #733 out of 1498 companies for OCF Margin %. This puts Waterstone Financial in the upper half of its industry. The industry median OCF Margin % is 29.71. Waterstone Financial's value of 24.10% is 18.9% below this benchmark. While the company's 10-year median is 20.99 vs. the industry median of 29.71, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.71, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current OCF Margin % of 24.10% is 18.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current OCF Margin % is 24.10%, which is 15% above median its own 10-year median of 20.99. 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 $17.39, compared to a current price of $20.84 — trading 19.8% above its estimated fair value. The current OCF Margin % is 24.10%, which is 15% above median its 10-year median of 20.99 and 18.9% below the Banks industry median of 29.71. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current OCF Margin % is 24.10% as of Jun. 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 $20.84 is trading 19.8% above its estimated GF Value™ of $17.39.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
OCF Margin %: 24.10% (15% above median its 10-year median of 20.99)
GF Value™: $17.39 vs. price of $20.84 (19.8% above fair value)
Industry Position: 18.9% below the Banks median (#733 of 1498)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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