Waterstone Financial Past Earnings Performance
Past criteria checks 1/6
Waterstone Financial's earnings have been declining at an average annual rate of -15.9%, while the Diversified Financial industry saw earnings growing at 2.7% annually. Revenues have been declining at an average rate of 6.7% per year. Waterstone Financial's return on equity is 3%, and it has net margins of 7.8%.
Key information
-15.9%
Earnings growth rate
-12.9%
EPS growth rate
| Diversified Financial Industry Growth | 9.1% |
| Revenue growth rate | -6.7% |
| Return on equity | 3.0% |
| Net Margin | 7.8% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Waterstone Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 131 | 10 | 105 | 0 |
| 31 Dec 23 | 131 | 9 | 105 | 0 |
| 30 Sep 23 | 134 | 10 | 106 | 0 |
| 30 Jun 23 | 142 | 12 | 111 | 0 |
| 31 Mar 23 | 152 | 16 | 114 | 0 |
| 31 Dec 22 | 162 | 19 | 120 | 0 |
| 30 Sep 22 | 186 | 31 | 131 | 0 |
| 30 Jun 22 | 211 | 45 | 139 | 0 |
| 31 Mar 22 | 233 | 55 | 147 | 0 |
| 31 Dec 21 | 263 | 71 | 155 | 0 |
| 30 Sep 21 | 290 | 86 | 160 | 0 |
| 30 Jun 21 | 311 | 93 | 170 | 0 |
| 31 Mar 21 | 319 | 96 | 174 | 0 |
| 31 Dec 20 | 291 | 81 | 166 | 0 |
| 30 Sep 20 | 254 | 62 | 155 | 0 |
| 30 Jun 20 | 217 | 47 | 140 | 0 |
| 31 Mar 20 | 189 | 35 | 130 | 0 |
| 31 Dec 19 | 184 | 36 | 125 | 0 |
| 30 Sep 19 | 176 | 33 | 121 | 0 |
| 30 Jun 19 | 173 | 31 | 121 | 0 |
| 31 Mar 19 | 172 | 30 | 119 | 0 |
| 31 Dec 18 | 173 | 31 | 119 | 0 |
| 30 Sep 18 | 176 | 28 | 120 | 0 |
| 30 Jun 18 | 174 | 27 | 117 | 0 |
| 31 Mar 18 | 176 | 26 | 119 | 0 |
| 31 Dec 17 | 176 | 26 | 117 | 0 |
| 30 Sep 17 | 178 | 29 | 117 | 0 |
| 30 Jun 17 | 180 | 29 | 118 | 0 |
| 31 Mar 17 | 177 | 28 | 116 | 0 |
| 31 Dec 16 | 169 | 26 | 113 | 0 |
| 30 Sep 16 | 158 | 22 | 108 | 0 |
| 30 Jun 16 | 148 | 20 | 102 | 0 |
| 31 Mar 16 | 141 | 17 | 100 | 0 |
| 31 Dec 15 | 141 | 17 | 100 | 0 |
| 30 Sep 15 | 140 | 16 | 99 | 0 |
| 30 Jun 15 | 136 | 15 | 96 | 0 |
| 31 Mar 15 | 129 | 14 | 91 | 0 |
| 31 Dec 14 | 125 | 13 | 89 | 0 |
| 30 Sep 14 | 121 | 12 | 86 | 0 |
| 30 Jun 14 | 116 | 11 | 84 | 0 |
| 31 Mar 14 | 118 | 12 | 85 | 0 |
| 31 Dec 13 | 122 | 15 | 86 | 0 |
| 30 Sep 13 | 131 | 31 | 90 | 0 |
| 30 Jun 13 | 137 | 36 | 90 | 0 |
Quality Earnings: 47Z has high quality earnings.
Growing Profit Margin: 47Z's current net profit margins (7.8%) are lower than last year (10.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 47Z's earnings have declined by 15.9% per year over the past 5 years.
Accelerating Growth: 47Z's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 47Z had negative earnings growth (-37.3%) over the past year, making it difficult to compare to the Diversified Financial industry average (-1.4%).
Return on Equity
High ROE: 47Z's Return on Equity (3%) is considered low.