Waterstone Financial Statements From 2010 to 2025

WSBF Stock  USD 14.21  0.06  0.42%   
Waterstone Financial financial statements provide useful quarterly and yearly information to potential Waterstone Financial investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Waterstone Financial financial statements helps investors assess Waterstone Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Waterstone Financial's valuation are summarized below:
Gross Profit
161.5 M
Profit Margin
0.1009
Market Capitalization
295.4 M
Enterprise Value Revenue
5.4318
Revenue
133.2 M
There are over one hundred nineteen available fundamental gauges for Waterstone Financial, which can be analyzed over time and compared to other ratios. Active traders should verify all of Waterstone Financial prevalent fundamental drivers against the trend between 2010 and 2025 to make sure the company can sustain itself down the road. The current Market Cap is estimated to decrease to about 379.9 M. Enterprise Value is estimated to decrease to about 418.5 M

Waterstone Financial Total Revenue

115.22 Million

Check Waterstone Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Waterstone Financial's main balance sheet or income statement drivers, such as Interest Expense of 27.2 M, Total Revenue of 115.2 M or Gross Profit of 115.2 M, as well as many indicators such as Price To Sales Ratio of 3.15, Dividend Yield of 0.0375 or PTB Ratio of 1.77. Waterstone financial statements analysis is a perfect complement when working with Waterstone Financial Valuation or Volatility modules.
  
Check out the analysis of Waterstone Financial Correlation against competitors.
For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.

Waterstone Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.9 B2.5 B1.9 B
Slightly volatile
Total Stockholder Equity291.3 M395.7 M336.4 M
Slightly volatile
Cash33.5 M35.3 M97.5 M
Pretty Stable
Non Current Assets Total211.6 M260.7 M220.7 M
Pretty Stable
Other Assets1.5 B2.2 B1.4 B
Slightly volatile
Cash And Short Term Investments39.8 M41.9 M254.6 M
Slightly volatile
Common Stock Shares Outstanding25.1 M18.2 M27.9 M
Slightly volatile
Liabilities And Stockholders Equity1.9 B2.5 B1.9 B
Slightly volatile
Non Current Liabilities Total2.3 B2.1 B720.1 M
Slightly volatile
Other Stockholder Equity137.4 M119.5 M154.1 M
Very volatile
Total Liabilities1.3 B2.1 B1.1 B
Slightly volatile
Total Current Assets39.8 M41.9 M254.6 M
Slightly volatile
Other Liabilities43.1 M66.2 M45.8 M
Slightly volatile
Retained Earnings183.6 M310 M196.1 M
Slightly volatile
Accounts Payable1.2 B1.4 B1.1 B
Slightly volatile
Long Term Debt169.3 M178.2 M334 M
Pretty Stable
Short Term Investments285.1 K300.1 K157.3 M
Slightly volatile
Property Plant Equipment24 M19 M29.4 M
Slightly volatile
Short and Long Term Debt Total419.5 M533.6 M399.9 M
Slightly volatile
Total Current Liabilities224.7 M355.4 M284.4 M
Pretty Stable
Property Plant And Equipment Net20.3 M18 M23.1 M
Slightly volatile
Property Plant And Equipment Gross33.2 M62.9 M33 M
Slightly volatile
Short Term Debt373.1 M355.4 M134.6 M
Slightly volatile
Net Receivables1.2 B1.9 B1.2 B
Slightly volatile
Common Stock Total Equity254.5 K225.9 K289.1 K
Slightly volatile
Common Stock242.7 K182.7 K280.7 K
Slightly volatile
Net Tangible Assets404.4 M426.1 M366.3 M
Slightly volatile
Retained Earnings Total Equity130.9 M157 M133.1 M
Slightly volatile
Long Term Debt Total347.2 M390.6 M425.9 M
Slightly volatile
Capital Surpluse271.9 M243.8 M239.9 M
Pretty Stable
Long Term Investments307.6 M184.4 M416.6 M
Slightly volatile
Non Current Liabilities Other40.2 M44.9 M38.9 M
Slightly volatile
Other Current Assets40.1 M42.2 M106.2 M
Pretty Stable
Short and Long Term Debt292 M278.1 M228.1 M
Slightly volatile
Earning Assets407.7 M462 M514 M
Slightly volatile
Net Invested Capital670.6 M727.3 M798.5 M
Very volatile
Capital Stock197.3 K182.7 K258.8 K
Slightly volatile

Waterstone Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense27.2 M44.1 M27.2 M
Very volatile
Total Revenue115.2 M114.1 M146.4 M
Slightly volatile
Gross Profit115.2 M114.1 M146.4 M
Slightly volatile
Other Operating Expenses100.2 M147.2 M125.8 M
Slightly volatile
Selling General Administrative70.3 M96.7 M85.9 M
Slightly volatile
Cost Of Revenue1.3 M1.4 M16.7 M
Slightly volatile
Depreciation And Amortization3.1 M3.8 MM
Pretty Stable
Selling And Marketing Expenses2.9 M4.3 M3.2 M
Slightly volatile
Tax Provision1.7 M1.7 M10.6 M
Pretty Stable
Net Interest Income56.2 M62.2 M48.2 M
Slightly volatile
Interest Income80.4 M107.2 M72.2 M
Slightly volatile
Reconciled Depreciation4.1 M3.7 M3.1 M
Slightly volatile

Waterstone Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
End Period Cash Flow39.8 M41.9 M111 M
Pretty Stable
Begin Period Cash Flow51 M53.6 M114.8 M
Very volatile
Depreciation3.5 M3.8 M3.5 M
Slightly volatile
Change Receivables356.9 K703.8 K529.9 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.153.3211.619
Slightly volatile
Dividend Yield0.03750.04830.0375
Slightly volatile
PTB Ratio1.770.961.3077
Slightly volatile
Days Sales Outstanding74.4183.7191.2706
Slightly volatile
Book Value Per Share17.2715.3628.2983
Pretty Stable
Stock Based Compensation To Revenue0.01650.02010.0141
Pretty Stable
Capex To Depreciation0.230.240.69
Slightly volatile
PB Ratio1.770.961.3077
Slightly volatile
EV To Sales7.928.3412.9028
Slightly volatile
Sales General And Administrative To Revenue0.810.970.7547
Pretty Stable
Capex To Revenue0.00770.00810.0937
Slightly volatile
Cash Per Share1.311.388.9427
Pretty Stable
Payout Ratio1.551.470.7662
Slightly volatile
Intangibles To Total Assets7.0E-47.0E-40.0236
Slightly volatile
Current Ratio0.10.119.8744
Pretty Stable
Tangible Book Value Per Share16.1915.2826.2005
Slightly volatile
Receivables Turnover3.143.533.8505
Slightly volatile
Graham Number9.2912.0315.7144
Slightly volatile
Shareholders Equity Per Share16.1315.3612.9424
Slightly volatile
Debt To Equity1.571.551.2084
Very volatile
Capex Per Share0.03790.03990.0702
Slightly volatile
Revenue Per Share3.024.435.4247
Slightly volatile
Interest Debt Per Share24.0522.915.7931
Slightly volatile
Debt To Assets0.160.190.1914
Slightly volatile
Operating Cycle74.4183.7191.2706
Slightly volatile
Price Book Value Ratio1.770.961.3077
Slightly volatile
Dividend Payout Ratio1.551.470.7662
Slightly volatile
Ebt Per Ebit2.52.813.0624
Slightly volatile
Company Equity Multiplier8.337.46.453
Slightly volatile
Long Term Debt To Capitalization0.560.360.4795
Pretty Stable
Total Debt To Capitalization0.620.660.535
Slightly volatile
Debt Equity Ratio1.571.551.2084
Very volatile
Quick Ratio0.10.119.8744
Pretty Stable
Net Income Per E B T0.640.760.7791
Pretty Stable
Cash Ratio0.08490.08935.1479
Pretty Stable
Cash Conversion Cycle74.4183.7191.2706
Slightly volatile
Days Of Sales Outstanding74.4183.7191.2706
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.571.181.0951
Pretty Stable
Price To Book Ratio1.770.961.3077
Slightly volatile
Fixed Asset Turnover3.874.476.0562
Slightly volatile
Debt Ratio0.160.190.1914
Slightly volatile
Price Sales Ratio3.153.3211.619
Slightly volatile
Asset Turnover0.04390.04030.0734
Pretty Stable
Price Fair Value1.770.961.3077
Slightly volatile

Waterstone Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap379.9 M433.9 M436.3 M
Slightly volatile
Enterprise Value418.5 M444.1 M476.3 M
Very volatile

Waterstone Fundamental Market Drivers

Cash And Short Term Investments36.4 M

Waterstone Upcoming Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Waterstone Financial Financial Statements

Waterstone Financial stakeholders use historical fundamental indicators, such as Waterstone Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Waterstone Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Waterstone Financial's assets and liabilities are reflected in the revenues and expenses on Waterstone Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Waterstone Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue114.1 M115.2 M
Cost Of Revenue1.4 M1.3 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.97  0.81 
Capex To Revenue 0.01  0.01 
Revenue Per Share 4.43  3.02 
Ebit Per Revenue 0.13  0.12 

Currently Active Assets on Macroaxis

When determining whether Waterstone Financial is a strong investment it is important to analyze Waterstone Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Waterstone Financial's future performance. For an informed investment choice regarding Waterstone Stock, refer to the following important reports:
Check out the analysis of Waterstone Financial Correlation against competitors.
For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.
You can also try the Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Waterstone Financial. If investors know Waterstone will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Waterstone Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.61
Dividend Share
0.55
Earnings Share
0.72
Revenue Per Share
7.081
Quarterly Revenue Growth
0.02
The market value of Waterstone Financial is measured differently than its book value, which is the value of Waterstone that is recorded on the company's balance sheet. Investors also form their own opinion of Waterstone Financial's value that differs from its market value or its book value, called intrinsic value, which is Waterstone Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Waterstone Financial's market value can be influenced by many factors that don't directly affect Waterstone Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Waterstone Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Waterstone Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Waterstone Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.