Waterstone Financial, Inc.

DB:47Z Stock Report

Market Cap: €235.5m

Waterstone Financial Past Earnings Performance

Past criteria checks 4/6

Waterstone Financial's earnings have been declining at an average annual rate of -27.5%, while the Diversified Financial industry saw earnings declining at 1.2% annually. Revenues have been declining at an average rate of 12.3% per year. Waterstone Financial's return on equity is 3.9%, and it has net margins of 10.1%.

Key information

-27.5%

Earnings growth rate

-24.2%

EPS growth rate

Diversified Financial Industry Growth9.1%
Revenue growth rate-12.3%
Return on equity3.9%
Net Margin10.1%
Last Earnings Update30 Sep 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

DB:47Z Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24133131030
30 Jun 24133121040
31 Mar 24131101050
31 Dec 2313191050
30 Sep 23134101060
30 Jun 23142121110
31 Mar 23152161140
31 Dec 22162191200
30 Sep 22186311310
30 Jun 22211451390
31 Mar 22233551470
31 Dec 21263711550
30 Sep 21290861600
30 Jun 21311931700
31 Mar 21319961740
31 Dec 20291811660
30 Sep 20254621550
30 Jun 20217471400
31 Mar 20189351300
31 Dec 19184361250
30 Sep 19176331210
30 Jun 19173311210
31 Mar 19172301190
31 Dec 18173311190
30 Sep 18176281200
30 Jun 18174271170
31 Mar 18176261190
31 Dec 17176261170
30 Sep 17178291170
30 Jun 17180291180
31 Mar 17177281160
31 Dec 16169261130
30 Sep 16158221080
30 Jun 16148201020
31 Mar 16141171000
31 Dec 15141171000
30 Sep 1514016990
30 Jun 1513615960
31 Mar 1512914910
31 Dec 1412513890
30 Sep 1412112860
30 Jun 1411611840
31 Mar 1411812850

Quality Earnings: 47Z has high quality earnings.

Growing Profit Margin: 47Z's current net profit margins (10.1%) are higher than last year (7.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 47Z's earnings have declined by 27.5% per year over the past 5 years.

Accelerating Growth: 47Z's earnings growth over the past year (29.8%) exceeds its 5-year average (-27.5% per year).

Earnings vs Industry: 47Z earnings growth over the past year (29.8%) exceeded the Diversified Financial industry -6.7%.

Return on Equity

High ROE: 47Z's Return on Equity (3.9%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/20 15:14
End of Day Share Price 2025/01/17 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Waterstone Financial, Inc. is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Nathan RacePiper Sandler Companies
Brendan NosalPiper Sandler Companies
Mike ShafirSterne Agee & Leach