Waterstone Financial Balance Sheet Health
Financial Health criteria checks 5/6
Waterstone Financial has total assets of $2.2B and total equity of $338.0M. Total deposits are $1.2B, and total loans are $1.6B. It earns a Net Interest Margin of 2.5%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $45.7M.
Key information
6.6x
Asset to equity ratio
2.5%
Net interest margin
| Total deposits | US$1.20b |
| Loan to deposit ratio | High |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$45.71m |
Recent financial health updates
No updates
Recent updates
Waterstone Financial (NASDAQ:WSBF) Has Affirmed Its Dividend Of $0.20
Jul 04
Waterstone Financial's (NASDAQ:WSBF) Dividend Will Be $0.20
Mar 26Waterstone Financial declares $0.20 dividend
Sep 27Waterstone Financial GAAP EPS of $0.36, revenue of $45.31M
Jul 21Waterstone Financial (NASDAQ:WSBF) Is Due To Pay A Dividend Of US$0.20
Jun 28Need To Know: This Analyst Just Made A Substantial Cut To Their Waterstone Financial, Inc. (NASDAQ:WSBF) Estimates
Apr 28Waterstone Financial (NASDAQ:WSBF) Has Affirmed Its Dividend Of US$0.20
Mar 19Waterstone: Current Supernormal Profit Cycle Is Not Sustainable
Jan 09Waterstone Financial: Mortgage Banking Income Seems More Resilient Than Previously Expected
Aug 15Waterstone Financial declares $0.20 dividend
Jun 15Should You Be Adding Waterstone Financial (NASDAQ:WSBF) To Your Watchlist Today?
Jun 08We Think Waterstone Financial, Inc.'s (NASDAQ:WSBF) CEO Compensation Looks Fair
May 12Have Insiders Been Selling Waterstone Financial, Inc. (NASDAQ:WSBF) Shares This Year?
Feb 23Waterstone Financial, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
Feb 01
Does Waterstone Financial (NASDAQ:WSBF) Deserve A Spot On Your Watchlist?
Jan 13Waterstone Financial: Mortgage Banking Income Appears To Have Peaked
Jan 09Shareholders Of Waterstone Financial (NASDAQ:WSBF) Must Be Happy With Their 63% Return
Dec 23Waterstone Financial raises dividend by 66%
Dec 17Is Waterstone Financial, Inc. (NASDAQ:WSBF) A Smart Choice For Dividend Investors?
Dec 02Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: WSBF's Assets to Equity ratio (6.6x) is low.
Allowance for Bad Loans: WSBF has a sufficient allowance for bad loans (386%).
Low Risk Liabilities: 63% of WSBF's liabilities are made up of primarily low risk sources of funding.
Loan Level: WSBF has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: WSBF's Loans to Deposits ratio (137%) is high.
Level of Bad Loans: WSBF has an appropriate level of bad loans (0.3%).