WSBF Stock Forecast, Price Targets, Chart, Dividends & Analysis
Waterstone Financial Inc.
WSBF 
NGS
Sector: Financial Services
Industry: Savings & Cooperative Banks
13.96
USD
-0.05
(-0.36%)
Previous close: 14.01 Open: 14.33 Bid: 5.58 Ask: 21.25
52 week range
10.60 16.86
Mkt Cap: 286 M Avg Vol (90 Days): 33,618
Last updated: Friday 20th December 2024
Metrics
Valuation
Price per Sales TTM ($) | 2.15 |
Price per Book TTM ($) | 0.83 |
PE Ratio (TTM) | 20.33 |
Book Value per Share ($) | 17.65 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -6.31% | |
1 Month Return | -8.46% | |
3 Month Return | -9.96% | |
1 Year Return | 4.80% | |
3 Year Return | -24.40% | |
5 Year Return | -2.48% | |
YTD Return | -1.69% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 29.64 |
14 Day SMA ($) | 14.78 |
14 Day EMA ($) | 14.70 |
Money Flow Index | 65.22 |
Average True Range | 0.41 |
50 Day SMA ($) | 14.98 |
200 Day SMA ($) | 13.57 |
ADX | 14.18 |
MACD | 0.31 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
WSBF Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Basic EPS from continuing operations | 0.38 | 0.57 | 0.94 | 0.95 | 1.12 | 1.38 | 3.32 | 2.98 | 0.89 | 0.47 |
| Basic EPS total | 0.38 | 0.57 | 0.94 | 0.95 | 1.12 | 1.38 | 3.32 | 2.98 | 0.89 | 0.47 |
| Basic weighted shares outstanding | 33 M | 29 M | 27 M | 27 M | 27 M | 26 M | 24 M | 24 M | 22 M | 20 M |
| CreditLossesProvision | 1 M | 2 M | 380000.0 | 1 M | 1 M | 900000.0 | 6 M | 4 M | 968000.0 | 656000.0 |
| Depreciation | -3 M | -3 M | -3 M | -2 M | -2 M | 3 M | 3 M | 2 M | 2 M | 2 M |
| DepreciationAndAmortization | -3 M | -3 M | -3 M | -2 M | -2 M | 3 M | 3 M | 2 M | 2 M | 2 M |
| Diluted EPS total | 0.38 | 0.56 | 0.93 | 0.93 | 1.11 | 1.37 | 3.3 | 2.96 | 0.89 | 0.46 |
| Diluted normalized net income/share | 0.38 | 0.56 | 0.93 | 0.93 | 1.11 | 1.37 | 3.3 | 2.96 | 0.89 | 0.46 |
| Diluted weighted shares outstanding | 34 M | 29 M | 27 M | 28 M | 28 M | 26 M | 25 M | 24 M | 22 M | 20 M |
| DividendIncome | -43 M | -17 M | -14 M | |||||||
| Dividends paid per share | 0.98 | 0.8 | 0.7 | |||||||
| FeesAndCommissions | 79 M | 101 M | 123 M | 119 M | 111 M | 125 M | 233 M | 190 M | 97 M | 74 M |
| GeneralAndAdministrativeExpense | 12 M | 12 M | 13 M | 11 M | 10 M | |||||
| ImpairmentOfCapitalAssets | -17000.0 | -23000.0 | ||||||||
| Income before tax | 20 M | 26 M | 42 M | 44 M | 40 M | 48 M | 108 M | 92 M | 24 M | 11 M |
| Income taxes | 9 M | 10 M | 17 M | 18 M | 10 M | 12 M | 27 M | 21 M | 5 M | 2 M |
| InsuranceAndClaims | 12 M | 12 M | 13 M | 11 M | 10 M | |||||
| Interest expense | -22 M | -23 M | -20 M | -16 M | -20 M | 28 M | 25 M | 14 M | 13 M | 49 M |
| InterestExpenseForDeposit | 5 M | 6 M | 7 M | 8 M | 12 M | 17 M | 14 M | 4 M | 5 M | 26 M |
| InterestExpenseForLongTermDebt | -40 M | -37 M | -43 M | -52 M | -55 M | |||||
| InterestExpenseForLongTermDebtAndCapitalSecurities | -40 M | -37 M | -43 M | -52 M | -55 M | |||||
| InterestExpenseForShortTermDebt | 17 M | 17 M | 13 M | 9 M | 8 M | 10 M | 11 M | 10 M | 8 M | 23 M |
| InterestIncome | 64 M | 62 M | 64 M | 67 M | 74 M | 80 M | 78 M | 70 M | 70 M | 99 M |
| InterestIncomeAfterProvisionForLoanLoss | 39 M | 35 M | 43 M | 51 M | 54 M | 51 M | 47 M | 52 M | 56 M | 50 M |
| InterestIncomeFromInvestmentSecurities | 3 M | 4 M | 4 M | 4 M | 4 M | 5 M | 3 M | 4 M | 4 M | 5 M |
| InterestIncomeFromLoans | 60 M | 58 M | 60 M | 63 M | 70 M | 75 M | 75 M | 66 M | 66 M | 94 M |
| InterestIncomeFromLoansAndLease | 60 M | 58 M | 60 M | 63 M | 70 M | 75 M | 75 M | 66 M | 66 M | 94 M |
| InterestIncomeFromSecurities | 3 M | 4 M | 4 M | 4 M | 4 M | 5 M | 3 M | 4 M | 4 M | 5 M |
| Net income from total operations | 13 M | 17 M | 26 M | 24 M | 29 M | 36 M | 81 M | 71 M | 19 M | 9 M |
| NetIncomeCommonStockholders | 13 M | 17 M | 26 M | 24 M | 29 M | 34 M | 81 M | 71 M | 19 M | 9 M |
| NetIncomeContinuousOperations | 13 M | 17 M | 26 M | 24 M | 29 M | 36 M | 81 M | 71 M | 19 M | 9 M |
| NetInterestIncome | 40 M | 37 M | 43 M | 52 M | 55 M | 52 M | 54 M | 56 M | 57 M | 50 M |
| NetOccupancyExpense | 10 M | 9 M | 9 M | 10 M | 11 M | 11 M | 10 M | 10 M | 9 M | 8 M |
| NonInterestExpense | -105 M | -116 M | -127 M | -132 M | -133 M | 136 M | 183 M | 171 M | 137 M | 120 M |
| NonInterestIncome | 85 M | 104 M | 126 M | 124 M | 118 M | 131 M | 244 M | 203 M | 106 M | 81 M |
| Normalized income | -10 M | |||||||||
| OccupancyAndEquipment | 10 M | 9 M | 9 M | 10 M | 11 M | 11 M | 10 M | 10 M | 9 M | 8 M |
| Other special charges | -2 M | -2 M | -1 M | -691000.0 | -316000.0 | -12 M | -19 M | -16 M | -18 M | -19 M |
| OtherCustomerServices | -1 M | -2 M | -925000.0 | -184000.0 | -1 M | -3 M | -2 M | |||
| OtherGandA | 12 M | 12 M | 13 M | 11 M | 10 M | |||||
| OtherInterestExpense | -52 M | -53 M | -56 M | -57 M | -50 M | |||||
| OtherNonInterestExpense | 6 M | 6 M | 4 M | 4 M | 4 M | 13 M | 17 M | 15 M | 16 M | 15 M |
| OtherNonInterestIncome | 5 M | 3 M | 3 M | 3 M | 3 M | 3 M | 6 M | 9 M | 4 M | 4 M |
| ProfessionalExpenseAndContractServicesExpense | 2 M | 2 M | 2 M | 3 M | 2 M | 4 M | 8 M | 1 M | 2 M | 3 M |
| PromotionAndAdvertising | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M |
| Revenue per share | -435000.0 | -481000.0 | -598000.0 | -106000.0 | -2 M | 104000.0 | -2 M | -2 M | -2 M | -1 M |
| SalariesAndWages | 69 M | 82 M | 95 M | 97 M | 98 M | 102 M | 139 M | 135 M | 100 M | 84 M |
| SecuritiesActivities | 78 M | 99 M | 121 M | -107000.0 | 126 M | 233 M | 191 M | 100 M | 76 M | |
| Selling Gen & administrative expense | 84 M | 96 M | 111 M | 112 M | 112 M | 106 M | 143 M | 139 M | 104 M | 88 M |
| SellingAndMarketingExpense | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M |
| ServiceChargeOnDepositorAccounts | 1 M | 2 M | 2 M | 120 M | 113 M | |||||
| Special income/charges | -6 M | -6 M | -4 M | -4 M | -4 M | -13 M | -17 M | -15 M | -16 M | -15 M |
| Total common shares outstanding | 34 M | 29 M | 29 M | 29 M | 28 M | 25 M | 24 M | 22 M | 20 M | |
| Total net income | 13 M | 17 M | 26 M | 24 M | 29 M | 36 M | 81 M | 71 M | 19 M | 9 M |
| Total ordinary shares | 19 M | 19 M | 19 M | 19 M | 19 M | 19 M | 19 M | 19 M | 19 M | 19 M |
| Total revenues | 125 M | 141 M | 169 M | 176 M | 173 M | 183 M | 298 M | 259 M | 158 M | 128 M |
| TotalRevenue | 125 M | 141 M | 169 M | 176 M | 173 M | 183 M | 298 M | 259 M | 158 M | 128 M |
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