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

WSBF POWR Grades

• WSBF scores best on the Stability dimension, with a Stability rank ahead of 74.66% of US stocks.
• The strongest trend for WSBF is in Quality, which has been heading down over the past 177 days.
• WSBF's current lowest rank is in the Growth metric (where it is better than 5.87% of US stocks).

WSBF Stock Summary

• With a year-over-year growth in debt of -40.82%, WATERSTONE FINANCIAL INC's debt growth rate surpasses merely 7.76% of about US stocks.
• Revenue growth over the past 12 months for WATERSTONE FINANCIAL INC comes in at -31.93%, a number that bests only 5.82% of the US stocks we're tracking.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for WSBF comes in at 69.37% -- higher than that of 97.32% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to WATERSTONE FINANCIAL INC, a group of peers worth examining would be OPY, SAVE, KSS, TIG, and VHI.
• 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 EV/EBIT ratio is 9.5; this is 2.06% lower than that of the median Financial Services stock.
• WSBF's EV/EBIT ratio has moved down 17.9 over the prior 207 months.

Below are key valuation metrics over time for WSBF.

WSBF Growth Metrics

Its 4 year net cashflow from operations growth rate is now at -67.65%.
• Its 2 year cash and equivalents growth rate is now at 371.09%.
• Its year over year cash and equivalents growth rate is now at 40.39%.

Over the past 52 months, WSBF's revenue has gone up $34,964,000.

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
2022-06-30	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
2021-03-31	319.193	-3.513	96.42

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.