Stock WSBF WATERSTONE FINANCIAL, INC.
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Financials Waterstone Financial, Inc.

Equities

WSBF

US94188P1012

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
11.79 USD +0.43% Intraday chart for Waterstone Financial, Inc. +1.73% -16.97%
Apr. 24 Waterstone Financial Boosts Share Buyback Program by Additional 2 Million Shares MT
Apr. 23 Waterstone Financial, Inc. announces an Increase in Equity Buyback. CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 458.1 483.7 445.8 517.9 372.2 306.8
Enterprise Value (EV) 1 806.1 900 860.3 620.2 713.3 881.5
P/E ratio 15.1 x 13.9 x 5.7 x 7.39 x 19.4 x 30.9 x
Yield 2.86% 2.52% 2.98% 3.66% 4.64% 4.93%
Capitalization / Revenue 2.64 x 2.63 x 1.53 x 1.97 x 2.3 x 2.35 x
EV / Revenue 4.65 x 4.9 x 2.95 x 2.36 x 4.42 x 6.74 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.13 x 1.24 x 1.08 x 1.25 x 0.98 x 0.79 x
Nbr of stocks (in thousands) 27,331 25,417 23,686 23,693 21,588 21,605
Reference price 2 16.76 19.03 18.82 21.86 17.24 14.20
Announcement Date 3/6/19 3/13/20 3/2/21 2/28/22 2/28/23 3/6/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 173.4 183.8 291.2 262.7 161.5 130.7
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 40.28 47.57 108.1 92.11 24.48 11.03
Net income 1 30.75 35.9 81.14 70.79 19.49 9.375
Net margin 17.73% 19.53% 27.87% 26.95% 12.06% 7.17%
EPS 2 1.110 1.370 3.300 2.960 0.8900 0.4600
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.4800 0.4800 0.5600 0.8000 0.8000 0.7000
Announcement Date 3/6/19 3/13/20 3/2/21 2/28/22 2/28/23 3/6/24
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2
Net sales 67.05 55.19 41.68 45.32 42.8 32.71 32.35 -
EBITDA - - - - - - - -
EBIT 23.73 14.21 6.747 10.27 7.108 1.322 3.242 -
Operating Margin 35.39% 25.76% 16.19% 22.66% 16.61% 4.04% 10.02% -
Earnings before Tax (EBT) 24.43 15.68 6.823 10.22 6.776 0.658 2.782 -
Net income 19 12.55 5.291 7.99 5.27 0.935 2.155 -
Net margin 28.34% 22.75% 12.69% 17.63% 12.31% 2.86% 6.66% -
EPS 1 0.7900 0.5300 0.2300 0.3600 0.2500 0.0400 0.1000 0.2000
Dividend per Share 1 0.2000 0.7000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000
Announcement Date 10/19/21 1/27/22 4/21/22 7/21/22 10/26/22 1/26/23 4/25/23 7/25/23
1USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 348 416 415 102 341 575
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 7.58% 9.05% 20.1% 16.7% 4.85% 2.62%
ROA (Net income/ Total Assets) 1.65% 1.84% 3.88% 3.22% 0.92% 0.44%
Assets 1 1,861 1,956 2,091 2,200 2,124 2,123
Book Value Per Share 2 14.90 15.30 17.40 17.50 17.60 17.90
Cash Flow per Share 2 3.200 2.890 4.000 15.20 2.220 1.890
Capex 1 3.96 3.11 1.23 0.78 0.7 0.7
Capex / Sales 2.28% 1.69% 0.42% 0.3% 0.43% 0.54%
Announcement Date 3/6/19 3/13/20 3/2/21 2/28/22 2/28/23 3/6/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Quarterly earnings - Rate of surprise

Company calendar

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