Waterstone Financial, Inc. (WSBF): Price and Financial Metrics

WSBF POWR Grades

• Momentum is the dimension where WSBF ranks best; there it ranks ahead of 73.41% of US stocks.
• The strongest trend for WSBF is in Stability, which has been heading down over the past 177 days.
• WSBF ranks lowest in Growth; there it ranks in the 4th percentile.

WSBF Stock Summary

• Revenue growth over the past 12 months for WATERSTONE FINANCIAL INC comes in at -38.51%, a number that bests merely 5.4% of the US stocks we're tracking.
• In terms of volatility of its share price, WSBF is more volatile than just 3.37% of stocks we're observing.
• WATERSTONE FINANCIAL INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 49.99%, greater than the shareholder yield of 96.34% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to WATERSTONE FINANCIAL INC are WSBC, TRST, ABCB, UVSP, and FISI.
• WSBF's SEC filings can be seen here. And to visit WATERSTONE FINANCIAL INC's official web site, go to www.wsbonline.com.

WSBF Valuation Summary

• In comparison to the median Financial Services stock, WSBF's price/sales ratio is 20% lower, now standing at 2.
• WSBF's price/earnings ratio has moved down 24.8 over the prior 212 months.

Below are key valuation metrics over time for WSBF.

WSBF Growth Metrics

Its 3 year net cashflow from operations growth rate is now at 481.05%.
• The 4 year net income to common stockholders growth rate now stands at 25.45%.
• Its year over year cash and equivalents growth rate is now at 40.39%.

WSBF's revenue has moved up $2,310,000 over the prior 33 months.

The table below shows WSBF's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	186.157	165.979	31.104
2022-06-30	211.437	195.704	44.834
2022-03-31	233.237	237.667	54.738
2021-12-31	262.7	154.454	70.791
2021-09-30	290.214	139.455	86.073
2021-06-30	310.611	110.555	93.366

WSBF's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• WSBF has a Quality Grade of C, ranking ahead of 49.71% of graded US stocks.
• WSBF's asset turnover comes in at 0.141 -- ranking 40th of 428 Banking stocks.
• BCTF, FUSB, and PLBC are the stocks whose asset turnover ratios are most correlated with WSBF.

The table below shows WSBF's key quality metrics over time.