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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-13), Waterstone Financial's 3-1 Month Momentum % is 8.16%.
The industry rank for Waterstone Financial's 3-1 Month Momentum % or its related term are showing as below:
WSBF's 3-1 Month Momentum % is ranked better than 63.5% of 1581
companies
in the Banks industry
Industry Median: 4.25
vs WSBF: 8.16
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Waterstone Financial 3-1 Month Momentum % Related Terms
WSBF vs CZFS, NECB, NWFL: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Waterstone Financial's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's 3-1 Month Momentum % 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 3-1 Month Momentum % of 8.16% as of Aug. 13, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Waterstone Financial and its competitors. According to the industry distribution chart, Waterstone Financial ranks #577 out of 1581 companies in the Banks industry, placing it in the top 36.5%.
Is Waterstone Financial's 3-1 Month Momentum % too high?
Waterstone Financial's current 3-1 Month Momentum % is 8.16%. The Banks industry median 3-1 Month Momentum % is 4.25. Waterstone Financial's value of 8.16% is 92% above this industry median. Based on the distribution chart, Waterstone Financial ranks #577 out of 1581 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 3-1 Month Momentum % compare to CZFS and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #577 out of 1581 companies for 3-1 Month Momentum %. This puts Waterstone Financial in the upper half of its industry. The industry median 3-1 Month Momentum % is 4.25. Waterstone Financial's value of 8.16% is 92% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 4.25, based on 1,581 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current 3-1 Month Momentum % of 8.16% is 92% above 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 4.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current 3-1 Month Momentum % is 8.16%. 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 $17.45, compared to a current price of $21.17 — trading 21.3% above its estimated fair value. The current 3-1 Month Momentum % is 8.16% and 92% above the Banks industry median of 4.25. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current 3-1 Month Momentum % is 8.16% as of Aug. 13, 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 $21.17 is trading 21.3% above its estimated GF Value™ of $17.45.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
3-1 Month Momentum %: 8.16%
GF Value™: $17.45 vs. price of $21.17 (21.3% above fair value)
Industry Position: 92% above the Banks median (#577 of 1581)
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
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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