Waterstone Financial, Inc.

NasdaqGS:WSBF Stock Report

Market Cap: US$269.4m

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 growing at 7.3% 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 Growth6.1%
Revenue growth rate-12.3%
Return on equity3.9%
Net Margin10.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Waterstone Financial (NASDAQ:WSBF) Has Affirmed Its Dividend Of $0.20

Jul 04
Waterstone Financial (NASDAQ:WSBF) Has Affirmed Its Dividend Of $0.20

Waterstone Financial's (NASDAQ:WSBF) Dividend Will Be $0.20

Mar 26
Waterstone Financial's (NASDAQ:WSBF) Dividend Will Be $0.20

Waterstone Financial declares $0.20 dividend

Sep 27

Waterstone Financial GAAP EPS of $0.36, revenue of $45.31M

Jul 21

Waterstone Financial (NASDAQ:WSBF) Is Due To Pay A Dividend Of US$0.20

Jun 28
Waterstone Financial (NASDAQ:WSBF) Is Due To Pay A Dividend Of US$0.20

Need To Know: This Analyst Just Made A Substantial Cut To Their Waterstone Financial, Inc. (NASDAQ:WSBF) Estimates

Apr 28
Need To Know: This Analyst Just Made A Substantial Cut To Their Waterstone Financial, Inc. (NASDAQ:WSBF) Estimates

Waterstone Financial (NASDAQ:WSBF) Has Affirmed Its Dividend Of US$0.20

Mar 19
Waterstone Financial (NASDAQ:WSBF) Has Affirmed Its Dividend Of US$0.20

Waterstone: Current Supernormal Profit Cycle Is Not Sustainable

Jan 09

Waterstone Financial: Mortgage Banking Income Seems More Resilient Than Previously Expected

Aug 15

Waterstone Financial declares $0.20 dividend

Jun 15

Should You Be Adding Waterstone Financial (NASDAQ:WSBF) To Your Watchlist Today?

Jun 08
Should You Be Adding Waterstone Financial (NASDAQ:WSBF) To Your Watchlist Today?

We Think Waterstone Financial, Inc.'s (NASDAQ:WSBF) CEO Compensation Looks Fair

May 12
We Think Waterstone Financial, Inc.'s (NASDAQ:WSBF) CEO Compensation Looks Fair

Have Insiders Been Selling Waterstone Financial, Inc. (NASDAQ:WSBF) Shares This Year?

Feb 23
Have Insiders Been Selling Waterstone Financial, Inc. (NASDAQ:WSBF) Shares This Year?

Waterstone Financial, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Feb 01
Waterstone Financial, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Does Waterstone Financial (NASDAQ:WSBF) Deserve A Spot On Your Watchlist?

Jan 13
Does Waterstone Financial (NASDAQ:WSBF) Deserve A Spot On Your Watchlist?

Waterstone Financial: Mortgage Banking Income Appears To Have Peaked

Jan 09

Shareholders Of Waterstone Financial (NASDAQ:WSBF) Must Be Happy With Their 63% Return

Dec 23
Shareholders Of Waterstone Financial (NASDAQ:WSBF) Must Be Happy With Their 63% Return

Waterstone Financial raises dividend by 66%

Dec 17

Is Waterstone Financial, Inc. (NASDAQ:WSBF) A Smart Choice For Dividend Investors?

Dec 02
Is Waterstone Financial, Inc. (NASDAQ:WSBF) A Smart Choice For Dividend Investors?

Revenue & Expenses Breakdown

How Waterstone Financial makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NasdaqGS:WSBF 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
31 Dec 1312215860

Quality Earnings: WSBF has high quality earnings.

Growing Profit Margin: WSBF'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: WSBF's earnings have declined by 27.5% per year over the past 5 years.

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

Earnings vs Industry: WSBF earnings growth over the past year (29.8%) exceeded the Diversified Financial industry 13.6%.


Return on Equity

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


Return on Assets


Return on Capital Employed


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