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

WSBF POWR Grades

• WSBF scores best on the Sentiment dimension, with a Sentiment rank ahead of 79.27% of US stocks.
• WSBF's strongest trending metric is Stability; it's been moving down over the last 179 days.
• WSBF ranks lowest in Growth; there it ranks in the 2nd percentile.

WSBF Stock Summary

• Price to trailing twelve month operating cash flow for WSBF is currently 3.1, higher than only 10.07% of US stocks with positive operating cash flow.
• Revenue growth over the past 12 months for Waterstone Financial Inc comes in at -9.78%, a number that bests only 10.89% of the US stocks we're tracking.
• The volatility of Waterstone Financial Inc's share price is greater than that of only 5.76% US stocks with at least 200 days of trading history.
• If you're looking for stocks that are quantitatively similar to Waterstone Financial Inc, a group of peers worth examining would be CTBI, FSFG, TRST, ASB, and FCF.
• 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 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 year over year cash and equivalents growth rate is now at 235.57%.
• Its year over year revenue growth rate is now at 68.73%.
• Its 3 year price growth rate is now at 19.12%.

WSBF's revenue has moved up $8,590,000 over the prior 15 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
2021-12-31	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
2020-12-31	291.177	-100.567	81.145
2020-09-30	254.11	-88.278	62.104

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.