Is Waterstone Financial Stock a Good Investment?
Waterstone Financial Investment Advice | WSBF |
- Examine Waterstone Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Waterstone Financial's leadership team and their track record. Good management can help Waterstone Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Commercial & Residential Mortgage Finance space and any emerging trends that could impact Waterstone Financial's business and its evolving consumer preferences.
- Compare Waterstone Financial's performance and market position to its competitors. Analyze how Waterstone Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Waterstone Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Waterstone Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Waterstone Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Waterstone Financial is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Waterstone Financial Stock
Researching Waterstone Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 19.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.77. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Waterstone Financial last dividend was issued on the 8th of October 2024. The entity had 10972:1000 split on the 23rd of January 2014.
To determine if Waterstone Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Waterstone Financial's research are outlined below:
| About 19.0% of the company outstanding shares are owned by insiders | |
| On 3rd of February 2025 Waterstone Financial paid $ 0.15 per share dividend to its current shareholders | |
| Latest headline from seekingalpha.com: Waterstone Financial declares 0.15 dividend |
Waterstone Financial Quarterly Liabilities And Stockholders Equity |
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Waterstone Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Waterstone Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Waterstone Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of January 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Earnings surprises can significantly impact Waterstone Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Waterstone Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2008-05-12 | 2008-03-31 | 0.01 | 0.02 | 0.01 | 100 | ||
2010-11-05 | 2010-09-30 | 0.01 | -0.0146 | -0.0246 | 246 | ||
2024-04-30 | 2024-03-31 | 0.13 | 0.1596 | 0.0296 | 22 | ||
2023-04-25 | 2023-03-31 | 0.07 | 0.1 | 0.03 | 42 | ||
2019-01-30 | 2018-12-31 | 0.24 | 0.21 | -0.03 | 12 | ||
2018-10-23 | 2018-09-30 | 0.28 | 0.31 | 0.03 | 10 | ||
2010-05-08 | 2010-03-31 | -0.02 | 0.01 | 0.03 | 150 | ||
2007-11-09 | 2007-09-30 | 0.04 | 0.01 | -0.03 | 75 |
Waterstone Financial Analyst Ratings
Waterstone Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Waterstone Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Waterstone Financial's financials, market performance, and future outlook by experienced professionals. Waterstone Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know Waterstone Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Waterstone Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Waterstone Financial backward and forwards among themselves. Waterstone Financial's institutional investor refers to the entity that pools money to purchase Waterstone Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | American Century Companies Inc | 2024-12-31 | 153.1 K | Charles Schwab Investment Management Inc | 2024-12-31 | 144.7 K | Goldman Sachs Group Inc | 2024-12-31 | 117.8 K | Arrowstreet Capital Limited Partnership | 2024-12-31 | 110.7 K | John G Ullman & Associates Inc | 2024-12-31 | 108.3 K | Jpmorgan Chase & Co | 2024-12-31 | 85.6 K | Empowered Funds, Llc | 2024-12-31 | 77.8 K | Bank Of New York Mellon Corp | 2024-12-31 | 76.7 K | Nuveen Asset Management, Llc | 2024-12-31 | 66.3 K | Blackrock Inc | 2024-12-31 | 1.6 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 1.5 M |
Waterstone Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 295.44 M.Market Cap |
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Waterstone Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.06 | 0.06 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.06 | 0.04 |
Determining Waterstone Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Waterstone Financial is a good buy. For example, gross profit margin measures Waterstone Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Waterstone Financial's profitability and make more informed investment decisions.
Evaluate Waterstone Financial's management efficiency
The Waterstone Financial's current Return On Capital Employed is estimated to increase to 0.06, while Return On Tangible Assets are projected to decrease to 0.01. At this time, Waterstone Financial's Intangible Assets are most likely to increase significantly in the upcoming years. Waterstone Financial's management efficiency ratios could be used to measure how well Waterstone Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 18.28 | 17.16 | |
| Tangible Book Value Per Share | 18.28 | 16.13 | |
| Enterprise Value Over EBITDA | 29.32 | 27.86 | |
| Price Book Value Ratio | 0.74 | 0.70 | |
| Enterprise Value Multiple | 29.32 | 27.86 | |
| Price Fair Value | 0.74 | 0.70 | |
| Enterprise Value | 444.1 M | 418.5 M |
Waterstone Financial's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Basic technical analysis of Waterstone Stock
As of the 25th of March, Waterstone Financial maintains the Standard Deviation of 1.92, market risk adjusted performance of (0.11), and Mean Deviation of 1.34. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Waterstone Financial, as well as the relationship between them. Please check out Waterstone Financial market risk adjusted performance, variance, as well as the relationship between the Variance and value at risk to decide if Waterstone Financial is priced fairly, providing market reflects its latest price of 13.57 per share. Given that Waterstone Financial has information ratio of (0.02), we strongly advise you to confirm Waterstone Financial's prevalent market performance to make sure the company can sustain itself at a future point.Waterstone Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Waterstone Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Waterstone Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Waterstone Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Waterstone Financial's Outstanding Corporate Bonds
Waterstone Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Waterstone Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Waterstone bonds can be classified according to their maturity, which is the date when Waterstone Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Waterstone Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Waterstone Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.03) | |||
| Market Risk Adjusted Performance | (0.11) | |||
| Mean Deviation | 1.34 | |||
| Coefficient Of Variation | (2,922) | |||
| Standard Deviation | 1.92 | |||
| Variance | 3.68 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.05) | |||
| Total Risk Alpha | 0.0019 | |||
| Treynor Ratio | (0.12) | |||
| Maximum Drawdown | 11.71 | |||
| Value At Risk | (3.48) | |||
| Potential Upside | 2.23 | |||
| Skewness | 0.4799 | |||
| Kurtosis | 3.26 |
| Risk Adjusted Performance | (0.03) | |||
| Market Risk Adjusted Performance | (0.11) | |||
| Mean Deviation | 1.34 | |||
| Coefficient Of Variation | (2,922) | |||
| Standard Deviation | 1.92 | |||
| Variance | 3.68 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.05) | |||
| Total Risk Alpha | 0.0019 | |||
| Treynor Ratio | (0.12) | |||
| Maximum Drawdown | 11.71 | |||
| Value At Risk | (3.48) | |||
| Potential Upside | 2.23 | |||
| Skewness | 0.4799 | |||
| Kurtosis | 3.26 |
Consider Waterstone Financial's intraday indicators
Waterstone Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Waterstone Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Daily Balance Of Power | (9,223,372,036,855) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 13.57 | |||
| Day Typical Price | 13.57 | |||
| Price Action Indicator | (0.07) | |||
| Period Momentum Indicator | (0.15) | |||
| Relative Strength Index | 51.62 |
Waterstone Financial Corporate Filings
8K | 20th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 3rd of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10K | 28th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
| 31st of January 2025 Other Reports | ViewVerify |
Waterstone Stock media impact
Far too much social signal, news, headlines, and media speculation about Waterstone Financial that are available to investors today. That information is available publicly through Waterstone media outlets and privately through word of mouth or via Waterstone internal channels. However, regardless of the origin, that massive amount of Waterstone data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Waterstone Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Waterstone Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Waterstone Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Waterstone Financial alpha.
Waterstone Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Waterstone Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Waterstone Financial Corporate Executives
Elected by the shareholders, the Waterstone Financial's board of directors comprises two types of representatives: Waterstone Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Waterstone. The board's role is to monitor Waterstone Financial's management team and ensure that shareholders' interests are well served. Waterstone Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Waterstone Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Mark CPA | CFO VP | Profile | |
| William Bruss | COO, Executive VP, General Counsel, Secretary, Executive VP of Waterstone Bank, General Counsel of Waterstone Bank and Secretary of Waterstone Bank | Profile |
Already Invested in Waterstone Financial?
The danger of trading Waterstone Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Waterstone Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Waterstone Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Waterstone Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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 Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in 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. 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 Funds Screener module to find actively-traded funds from around the world traded on over 30 global exchanges.
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 | 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.
In summary, please note that there is a difference between Waterstone Financial's value and its price, as these two are different measures arrived at by various 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.