WSBF (Waterstone Financial) Tariff Resilience Score: 8/10 (As of Jul. 09, 2026)


WSBF Waterstone Financial Inc WSBF
56 GF Score
Price $19.35
GF Value $16.88
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Waterstone Financial Tariff Resilience Score?

Waterstone Financial WSBF +0.16% 56 Tariff Resilience Score is 8 as of Jul. 09, 2026. GuruFocus rates WSBF with a GF Score™ of 56/100 and a GF Value™ of $16.88 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,605 Banks companies, Waterstone Financial ranks better than 78.82% on this metric.

Waterstone Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Waterstone Financial has Waterstone Financial, like Wesbanco, operates mainly within the U.S. financial sector, which is not directly affected by tariffs. Its business model does not rely on global supply chains or international trade.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Waterstone Financial might have Highly Resilient.

Waterstone Financial  (NAS:WSBF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Waterstone Financial Tariff Resilience Score Related Terms

WSBF vs USCB, MVBF, RVRF: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Waterstone Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Waterstone Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Waterstone Financial's Tariff Resilience Score falls into.


WSBF
56GF Score
Waterstone Financial Inc WSBF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Waterstone Financial (WSBF) has a Tariff Resilience Score of 8 as of Jul. 09, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Waterstone Financial ranks #340 out of 1605 companies in the Banks industry, placing it in the top 21.2%.
Is Waterstone Financial's Tariff Resilience Score too high?
Waterstone Financial's current Tariff Resilience Score is 8. Based on the distribution chart, Waterstone Financial ranks #340 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to USCB and MVBF?
According to the Banks industry distribution chart, Waterstone Financial ranks #340 out of 1605 companies for Tariff Resilience Score. This places Waterstone Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Waterstone Financial's current Tariff Resilience Score is 8. 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 $16.88, compared to a current price of $19.35 — trading 14.6% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Tariff Resilience Score is 8 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 (WSBF) Overvalued in 2026?

Based on GuruFocus' analysis, Waterstone Financial stock appears to be overvalued. The current stock price of $19.35 is trading 14.6% above its estimated GF Value™ of $16.88. GuruFocus considers Waterstone Financial to be Modestly Overvalued.

Key valuation signals for WSBF:

  • Tariff Resilience Score: 8
  • GF Value™: $16.88 vs. price of $19.35 (14.6% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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 Business Description

Other Exchanges 47Z:Germany
Address 11200 West Plank Court, Wauwatosa, WI, USA, 53226
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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.35
Price
$16.88
GF Value