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

WSBF POWR Grades

• Stability is the dimension where WSBF ranks best; there it ranks ahead of 70.69% of US stocks.
• The strongest trend for WSBF is in Quality, which has been heading down over the past 179 days.
• WSBF's current lowest rank is in the Growth metric (where it is better than 3.45% of US stocks).

WSBF Stock Summary

• Revenue growth over the past 12 months for WATERSTONE FINANCIAL INC comes in at -35.85%, a number that bests just 5.4% of the US stocks we're tracking.
• In terms of volatility of its share price, WSBF is more volatile than just 8.52% of stocks we're observing.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for WSBF comes in at 62.51% -- higher than that of 97.28% of stocks in our set.
• Stocks that are quantitatively similar to WSBF, based on their financial statements, market capitalization, and price volatility, are KSS, TCS, ABCB, BYFC, and HTH.
• Visit WSBF's SEC page to see the company's official filings. To visit the company's web site, go to www.wsbonline.com.

WSBF Valuation Summary

• WSBF's price/sales ratio is 2; this is 31.03% lower than that of the median Financial Services stock.
• WSBF's price/sales ratio has moved down 7.4 over the prior 209 months.

Below are key valuation metrics over time for WSBF.

WSBF Growth Metrics

Its 2 year cash and equivalents growth rate is now at 371.09%.
• The 5 year revenue growth rate now stands at 11.66%.
• Its 4 year price growth rate is now at -29.34%.

Over the past 15 months, WSBF's revenue has gone down $124,454,000.

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.