Waterstone FinancialWSBF +1.59%56 Dividend Yield % is 3.13% as of Jun. 25, 2026, which is at its 10-year median of 3.13. GuruFocus rates WSBF with a GF Score™ of 56/100 and a GF Value™ of $16.86 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,251 Banks companies, Waterstone Financial ranks better than 51.8% on this metric.
As of today (2026-06-25), the Trailing Annual Dividend Yield of Waterstone Financial is 3.13%.
Warning Sign:
Waterstone Financial Inc stock Dividend Yield % is close to 5-year low.
The historical rank and industry rank for Waterstone Financial's Dividend Yield % or its related term are showing as below:
WSBF'
s Dividend Yield % Range Over the Past 10 Years
Min: 1.18 Med: 3.13 Max: 9.13
Current: 3.13
During the past 13 years, the highest Dividend Yield of Waterstone Financial was 9.13%. The lowest was 1.18%. And the median was 3.13%.
WSBF's Dividend Yield % is ranked better than 51.8% of 1251
companies
in the Banks industry
Industry Median: 3.03
vs WSBF: 3.13
During the past 12 months, Waterstone Financial's average Dividends Per Share Growth Rate was 33.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -9.10% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -4.00% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 8.90% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Waterstone Financial was 33.90% per year. The lowest was -23.40% per year. And the median was 13.40% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Waterstone Financial Dividend Yield % Related Terms
Waterstone Financial Dividend Yield % Historical Data
* Premium members only.
The historical data trend for Waterstone Financial's Dividend Yield % 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 BFCC, NECB, BCML: Dividend Yield % Comparison
For the Banks - Regional subindustry, Waterstone Financial's Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Waterstone Financial's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Waterstone Financial's Dividend Yield % falls into.
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Waterstone Financial Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.170000
2026-04-08
2026-04-08
2026-05-01
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.150000
2026-01-08
2026-01-08
2026-02-02
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.150000
2025-10-08
2025-10-08
2025-11-03
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.150000
2025-07-08
2025-07-08
2025-08-01
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Waterstone Financial's Trailing Annual Dividend Yield (%) for Today is calculated as
* 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 Dividend Yield % of 3.13% as of Jun. 25, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Waterstone Financial and its competitors. This is near median its historical median of 3.13. Over the past decade, Waterstone Financial's Dividend Yield % has ranged from 1.18 to 9.13. According to the industry distribution chart, Waterstone Financial ranks #603 out of 1251 companies in the Banks industry, placing it in the top 48.2%.
Is Waterstone Financial's Dividend Yield % too high?
Waterstone Financial's current Dividend Yield % of 3.13% is near median its 10-year median of 3.13. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 9.13. The Banks industry median Dividend Yield % is 3.03. Waterstone Financial's value of 3.13% is 3.3% above this industry median. Based on the distribution chart, Waterstone Financial ranks #603 out of 1251 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 Dividend Yield % compare to BFCC and NECB?
According to the Banks industry distribution chart, Waterstone Financial ranks #603 out of 1251 companies for Dividend Yield %. This puts Waterstone Financial in the upper half of its industry. The industry median Dividend Yield % is 3.03. Waterstone Financial's value of 3.13% is 3.3% above this benchmark. Historically, Waterstone Financial's own Dividend Yield % has ranged from 1.18 to 9.13 over the past decade. While the company's 10-year median is 3.13 vs. the industry median of 3.03, 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 Dividend Yield % for a Banks company?
The median Dividend Yield % among Banks companies is 3.03, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterstone Financial's current Dividend Yield % of 3.13% is 3.3% 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Waterstone Financial and its competitors. For the Banks industry, the median Dividend Yield % is 3.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterstone Financial's current Dividend Yield % is 3.13%, which is near median its own 10-year median of 3.13. 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 $16.86, compared to a current price of $19.79 — trading 17.4% above its estimated fair value. The current Dividend Yield % is 3.13%, which is near median its 10-year median of 3.13 and 3.3% above the Banks industry median of 3.03. 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 Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Waterstone Financial (WSBF), the current Dividend Yield % is 3.13% as of Jun. 25, 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 $19.79 is trading 17.4% above its estimated GF Value™ of $16.86.
GuruFocus considers Waterstone Financial to be Modestly Overvalued.
Key valuation signals for WSBF:
Dividend Yield %: 3.13% (near median its 10-year median of 3.13)
GF Value™: $16.86 vs. price of $19.79 (17.4% above fair value)
Industry Position: 3.3% above the Banks median (#603 of 1251)
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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Dividend Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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