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

WSBF POWR Grades

• Momentum is the dimension where WSBF ranks best; there it ranks ahead of 59.12% 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 15.55% of US stocks).

WSBF Stock Summary

• With a year-over-year growth in debt of 83.75%, WATERSTONE FINANCIAL INC's debt growth rate surpasses 90.33% of about US stocks.
• As for revenue growth, note that WSBF's revenue has grown -28.17% over the past 12 months; that beats the revenue growth of merely 10.09% of US companies in our set.
• WATERSTONE FINANCIAL INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -90.46%, greater than the shareholder yield of merely 5.13% 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 FNB, TBNK, ABCB, BRKL, and PNFP.
• 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 1.9; this is 90% higher than that of the median Financial Services stock.
• WSBF's price/sales ratio has moved down 7.5 over the prior 221 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.