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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Waterstone Financial's 10-Year RORE % for the quarter that ended in Mar. 2026 was 7.13%.
The industry rank for Waterstone Financial's 10-Year RORE % or its related term are showing as below:
WSBF's 10-Year RORE % is ranked worse than 63.2% of 1087
companies
in the Banks industry
Industry Median: 10.22
vs WSBF: 7.13
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Waterstone Financial 10-Year RORE % Related Terms
Waterstone Financial 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Waterstone Financial's 10-Year RORE % 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.
WSBF vs USCB, MVBF, RVRF: 10-Year RORE % Comparison
For the Banks - Regional subindustry, Waterstone Financial's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's 10-Year RORE % 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Waterstone Financial (WSBF) has a 10-Year RORE % of 7.13 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Waterstone Financial and its competitors. According to the industry distribution chart, Waterstone Financial ranks #687 out of 1087 companies in the Banks industry, placing it in the top 63.2%.
Is Waterstone Financial's 10-Year RORE % too high?
Waterstone Financial's current 10-Year RORE % is 7.13. The Banks industry median 10-Year RORE % is 10.22. Waterstone Financial's value of 7.13 is 30.2% below this industry median. Based on the distribution chart, Waterstone Financial ranks #687 out of 1087 companies in the Banks industry, which is below the industry midpoint. Overall, Waterstone Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Waterstone Financial's 10-Year RORE % compare to USCB and MVBF?
According to the Banks industry distribution chart, Waterstone Financial ranks #687 out of 1087 companies for 10-Year RORE %. This places Waterstone Financial in the lower half of its industry. The industry median 10-Year RORE % is 10.22. Waterstone Financial's value of 7.13 is 30.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.22, based on 1,087 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current 10-Year RORE % of 7.13 is 30.2% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median 10-Year RORE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current 10-Year RORE % is 7.13. 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 $19.51 — trading 15.5% above its estimated fair value. The current 10-Year RORE % is 7.13 and 30.2% below the Banks industry median of 10.22. Waterstone Financial's overall GF Score™ is 55/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current 10-Year RORE % is 7.13 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 $19.51 is trading 15.5% above its estimated GF Value™ of $16.89.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
10-Year RORE %: 7.13
GF Value™: $16.89 vs. price of $19.51 (15.5% above fair value)
Industry Position: 30.2% below the Banks median (#687 of 1087)
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.
55GF Score
Get the complete analysis for WSBF
10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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