Waterstone FinancialFRA:47Z 56 PEG Ratio is 5.26 as of Jul. 09, 2026, which is 63% above its 10-year median of 3.22. GuruFocus rates FRA:47Z with a GF Score™ of 56/100 and a GF Value™ of €14.42 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,228 Banks companies, Waterstone Financial ranks worse than 85.99% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Waterstone Financial's PEG Ratio or its related term are showing as below:
FRA:47Z'
s PEG Ratio Range Over the Past 10 Years
Min: 0.61 Med: 3.22 Max: 11.93
Current: 5.29
During the past 13 years, Waterstone Financial's highest PEG Ratio was 11.93. The lowest was 0.61. And the median was 3.22.
FRA:47Z's PEG Ratio is ranked worse than 85.99% of 1228
companies
in the Banks industry
Industry Median: 1.52
vs FRA:47Z: 5.29
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Waterstone Financial (FRA:47Z) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Waterstone Financial PEG Ratio Related Terms
Waterstone Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for Waterstone Financial's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Waterstone Financial (FRA:47Z) has a PEG Ratio of 5.26 as of Jul. 09, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Waterstone Financial and its competitors. This is 63% above median its historical median of 3.22. Over the past decade, Waterstone Financial's PEG Ratio has ranged from 0.61 to 11.93. According to the industry distribution chart, Waterstone Financial ranks #1056 out of 1228 companies in the Banks industry, placing it in the top 86%.
Is Waterstone Financial's PEG Ratio too high?
Waterstone Financial's current PEG Ratio of 5.26 is 63% above median its 10-year median of 3.22. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 11.93. The Banks industry median PEG Ratio is 1.52. Waterstone Financial's value of 5.26 is 246.1% above this industry median. Based on the distribution chart, Waterstone Financial ranks #1056 out of 1228 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to USCB and MVBF?
According to the Banks industry distribution chart, Waterstone Financial ranks #1056 out of 1228 companies for PEG Ratio. This places Waterstone Financial in the lower half of its industry. The industry median PEG Ratio is 1.52. Waterstone Financial's value of 5.26 is 246.1% above this benchmark. Historically, Waterstone Financial's own PEG Ratio has ranged from 0.61 to 11.93 over the past decade. While the company's 10-year median is 3.22 vs. the industry median of 1.52, Waterstone Financial has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current PEG Ratio of 5.26 is 246.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current PEG Ratio is 5.26, which is 63% above median its own 10-year median of 3.22. 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 (FRA:47Z) is currently considered Modestly Overvalued. The stock's GF Value™ is €14.42, compared to a current price of €16.50 — trading 14.4% above its estimated fair value. The current PEG Ratio is 5.26, which is 63% above median its 10-year median of 3.22 and 246.1% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Waterstone Financial (FRA:47Z), the current PEG Ratio is 5.26 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 (FRA:47Z) Overvalued in 2026?
Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued.
The current stock price of €16.50 is trading 14.4% above its estimated GF Value™ of €14.42.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for FRA:47Z:
PEG Ratio: 5.26 (63% above median its 10-year median of 3.22)
GF Value™: €14.42 vs. price of €16.50 (14.4% above fair value)
Industry Position: 246.1% above the Banks median (#1056 of 1228)
No single metric tells the full story. See the FRA:47Z 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 FRA:47Z
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