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

WSBF POWR Grades

• Sentiment is the dimension where WSBF ranks best; there it ranks ahead of 83.94% of US stocks.
• WSBF's strongest trending metric is Growth; it's been moving down over the last 52 weeks.
• WSBF's current lowest rank is in the Growth metric (where it is better than 7.13% of US stocks).

WSBF Stock Summary

• WSBF's current price/earnings ratio is 5.45, which is higher than just 6.54% of US stocks with positive earnings.
• In terms of volatility of its share price, WSBF is more volatile than just 0.47% 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 34.4%, greater than the shareholder yield of 93.56% of stocks in our set.
• Stocks that are quantitatively similar to WSBF, based on their financial statements, market capitalization, and price volatility, are CTBI, FCF, SVBI, HTH, and FSFG.
• 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

• WSBF's EV/EBIT ratio is 6; this is 30.23% lower than that of the median Financial Services stock.
• WSBF's price/earnings ratio has moved down 34.7 over the prior 192 months.
• Over the past 192 months, WSBF's price/sales ratio has gone down 7.5.

Below are key valuation metrics over time for WSBF.

WSBF Growth Metrics

• Its 2 year revenue growth rate is now at 7.2%.
• Its 3 year price growth rate is now at 19.12%.
• Its 3 year revenue growth rate is now at 21.68%.

WSBF's revenue has moved up $137,175,000 over the prior 30 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
2021-06-30	310.611	110.555	93.366
2021-03-31	319.193	-3.513	96.42
2020-12-31	291.177	-100.567	81.145
2020-09-30	254.11	-88.278	62.104
2020-06-30	216.691	-76.551	46.735
2020-03-31	189.179	-95.646	35.43

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 51.23% of graded US stocks.
• WSBF's asset turnover comes in at 0.141 -- ranking 40th of 433 Banking stocks.
• MCBC, UBFO, and ENVA are the stocks whose asset turnover ratios are most correlated with WSBF.

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