Waterstone Financial Stock Buy Hold or Sell Recommendation
| WSBF Stock | USD 15.09 0.03 0.20% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Waterstone Financial is 'Strong Hold'. Macroaxis provides Waterstone Financial buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding WSBF positions.
Check out Waterstone Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide. Note, we conduct extensive research on individual companies such as Waterstone and provide practical buy, sell, or hold advice based on investors' constraints. Waterstone Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Waterstone |
Execute Waterstone Financial Buy or Sell Advice
The Waterstone recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Waterstone Financial. Macroaxis does not own or have any residual interests in Waterstone Financial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Waterstone Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Waterstone Financial Trading Alerts and Improvement Suggestions
| Waterstone Financial currently holds about 103.14 M in cash with (27.58 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 4.83. | |
| Roughly 19.0% of the company outstanding shares are owned by insiders | |
| On 1st of November 2024 Waterstone Financial paid $ 0.15 per share dividend to its current shareholders | |
| Latest headline from investing.com: Waterstone financial director sells shares worth 34,617 |
Waterstone Financial Returns Distribution Density
The distribution of Waterstone Financial's historical returns is an attempt to chart the uncertainty of Waterstone Financial's future price movements. The chart of the probability distribution of Waterstone Financial daily returns describes the distribution of returns around its average expected value. We use Waterstone Financial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Waterstone Financial returns is essential to provide solid investment advice for Waterstone Financial.
| Mean Return | 0.05 | Value At Risk | -2.67 | Potential Upside | 2.56 | Standard Deviation | 2.09 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Waterstone Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Waterstone Stock Institutional Investors
| Shares | American Century Companies Inc | 2024-09-30 | 155.3 K | Charles Schwab Investment Management Inc | 2024-09-30 | 146.9 K | Goldman Sachs Group Inc | 2024-06-30 | 118.3 K | Brandywine Global Investment Mgmt Llc | 2024-09-30 | 109 K | Arrowstreet Capital Limited Partnership | 2024-06-30 | 108.8 K | Dean C H & Associates Inc | 2024-09-30 | 107.1 K | Bank Of New York Mellon Corp | 2024-06-30 | 91 K | John G Ullman & Associates Inc | 2024-09-30 | 90.8 K | Fmr Inc | 2024-09-30 | 71 K | Blackrock Inc | 2024-06-30 | 1.6 M | Dimensional Fund Advisors, Inc. | 2024-09-30 | 1.5 M |
Waterstone Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Capital Expenditures | 3.1M | 1.2M | 778K | 701K | 700K | 665K | |
| Net Income | 35.9M | 81.1M | 70.8M | 19.5M | 9.4M | 8.9M | |
| End Period Cash Flow | 74.3M | 94.8M | 376.7M | 46.6M | 36.4M | 34.6M | |
| Change In Cash | (11.8M) | 20.5M | 282.0M | (330.1M) | (10.2M) | (9.7M) | |
| Free Cash Flow | (43.3M) | (101.8M) | 153.7M | 206.0M | (28.3M) | (26.9M) | |
| Depreciation | 2.7M | 5.6M | 6.0M | 4.0M | 3.3M | 3.5M | |
| Other Non Cash Items | (79.5M) | (191.1M) | 83.7M | 179.7M | (35.2M) | (33.4M) | |
| Change To Inventory | 330K | 113K | (2.6M) | 1.1M | (1.2M) | (1.1M) | |
| Investments | (1.2M) | 44.2M | (24.2M) | (335.7M) | (304.8M) | (289.5M) | |
| Net Borrowings | 48.5M | 24.5M | (30.9M) | (90.3M) | (81.3M) | (77.2M) | |
| Dividends Paid | 26.0M | 31.5M | 30.4M | 30.3M | (15.4M) | (14.6M) | |
| Change To Netincome | (78.4M) | (193.0M) | 90.0M | 179.8M | 206.8M | 217.1M |
Waterstone Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Waterstone Financial or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Waterstone Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Waterstone stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.16 | |
β | Beta against Dow Jones | 1.54 | |
σ | Overall volatility | 2.11 | |
Ir | Information ratio | -0.04 |
Waterstone Financial Volatility Alert
Waterstone Financial has relatively low volatility with skewness of 1.64 and kurtosis of 8.83. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Waterstone Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Waterstone Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Waterstone Financial Fundamentals Vs Peers
Comparing Waterstone Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Waterstone Financial's direct or indirect competition across all of the common fundamentals between Waterstone Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Waterstone Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Waterstone Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Waterstone Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Waterstone Financial to competition |
| Fundamentals | Waterstone Financial | Peer Average |
| Return On Equity | 0.039 | -0.31 |
| Return On Asset | 0.006 | -0.14 |
| Profit Margin | 0.10 % | (1.27) % |
| Operating Margin | 0.17 % | (5.51) % |
| Current Valuation | 797.66 M | 16.62 B |
| Shares Outstanding | 19.37 M | 571.82 M |
| Shares Owned By Insiders | 18.89 % | 10.09 % |
| Shares Owned By Institutions | 52.31 % | 39.21 % |
| Number Of Shares Shorted | 99.53 K | 4.71 M |
| Price To Earning | 4.18 X | 28.72 X |
| Price To Book | 0.85 X | 9.51 X |
| Price To Sales | 2.19 X | 11.42 X |
| Revenue | 99.21 M | 9.43 B |
| Gross Profit | 161.54 M | 27.38 B |
| EBITDA | 14.33 M | 3.9 B |
| Net Income | 9.38 M | 570.98 M |
| Cash And Equivalents | 103.14 M | 2.7 B |
| Cash Per Share | 4.83 X | 5.01 X |
| Total Debt | 464 M | 5.32 B |
| Debt To Equity | 3.50 % | 48.70 % |
| Book Value Per Share | 18.64 X | 1.93 K |
| Cash Flow From Operations | (27.58 M) | 971.22 M |
| Short Ratio | 3.02 X | 4.00 X |
| Earnings Per Share | 0.72 X | 3.12 X |
| Target Price | 12.5 | |
| Number Of Employees | 698 | 18.84 K |
| Beta | 0.64 | -0.15 |
| Market Capitalization | 295.44 M | 19.03 B |
| Total Asset | 2.21 B | 29.47 B |
| Retained Earnings | 269.61 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 3.21 % | |
| Net Asset | 2.21 B |
Note: Disposition of 437 shares by Schmidt Stephen J of Waterstone Financial at 12.75 subject to Rule 16b-3 [view details]
Waterstone Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Waterstone . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Waterstone Financial Buy or Sell Advice
When is the right time to buy or sell Waterstone Financial? Buying financial instruments such as Waterstone Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out Waterstone Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. 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 Stocks Directory module to find actively traded stocks across global markets.
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.