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About the company
Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank SSB (the Bank). The Bank offers a suite of personal and business banking products. The Company's segments include community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Its consumer products include loan products, deposit products, and personal investment services. Its business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment, which is conducted through Waterstone Mortgage Corporation, consists of originating residential mortgage loans primarily for sale in the secondary market. The Bank has branches in Wauwatosa/State St, Brookfield, Fox Point/North Shore, Franklin/Hales Corners, Germantown/Menomonee Falls, Milwaukee/Oklahoma Ave, Oak Creek/Howell Ave and various others.
- Revenue in USD (TTM)104.22m
- Net income in USD10.26m
- Incorporated2013
- Employees698.00
- LocationWaterstone Financial Inc11200 W Plank CtWAUWATOSA 53226-3250United StatesUSA
- Phone+1 (414) 761-1000
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Citizens Financial Services Inc | 139.94m | 17.97m | 253.77m | 401.00 | 14.59 | 0.8978 | 12.67 | 2.60 | 3.66 | 3.66 | 21.20 | 59.46 | -- | -- | -- | -- | 0.6837 | 1.20 | -- | -- | -- | -- | 18.42 | 31.39 | -- | -- | -- | 30.13 | 52.50 | 17.50 | -38.71 | -0.2485 | 39.24 | 3.33 |
| HomeStreet Inc | 405.23m | -40.06m | 260.05m | 858.00 | -- | 0.4931 | -- | 1.36 | -2.13 | -2.13 | 10.14 | 27.96 | -- | -- | -- | -- | -0.4149 | 0.7085 | -- | -- | -- | -- | -21.01 | 18.82 | -- | -- | -- | 26.99 | 31.37 | 9.71 | -141.34 | -- | -17.09 | -- |
| Blue Foundry Bancorp | 81.12m | -9.03m | 262.70m | 179.00 | -- | 0.7581 | -- | 6.38 | -0.3936 | -0.3936 | 1.78 | 14.61 | -- | -- | -- | -- | -0.4373 | -- | -- | -- | -- | -- | -21.93 | -- | -- | -- | -- | -- | 26.74 | -- | -408.72 | -- | -- | -- |
| PCB Bancorp | 160.20m | 25.02m | 262.94m | 268.00 | 10.58 | 0.936 | 9.64 | 2.69 | 1.74 | 1.74 | 6.80 | 24.54 | -- | -- | -- | -- | 0.9372 | 1.39 | -- | -- | -- | -- | 25.68 | 31.91 | -- | -- | -- | 24.46 | 48.58 | 12.55 | -12.12 | 4.72 | 2.90 | 87.22 |
| First of Long Island Corp | 160.96m | 24.19m | 282.13m | 288.00 | 11.72 | 0.7468 | 10.32 | 3.08 | 1.07 | 1.07 | 4.04 | 16.78 | -- | -- | -- | -- | 0.5731 | 0.9589 | -- | -- | -- | -- | 26.44 | 35.10 | -- | -- | -- | 45.59 | 15.85 | 2.38 | -44.09 | -8.74 | -12.83 | 6.26 |
| Civista Bancshares Inc | 191.32m | 35.08m | 283.40m | 539.00 | 7.78 | 0.7667 | 5.88 | 1.82 | 2.32 | 2.32 | 10.29 | 23.50 | -- | -- | -- | -- | 0.9762 | 1.28 | -- | -- | -- | -- | 23.38 | 28.89 | -- | -- | -- | 21.40 | 44.85 | 19.92 | 6.30 | 25.71 | 18.43 | 7.99 |
| Blue Ridge Bankshares Inc | 170.64m | -58.64m | 284.56m | 507.00 | -- | 0.2988 | -- | 2.43 | -3.09 | -3.09 | 6.17 | 9.24 | -- | -- | -- | -- | -1.83 | 0.5045 | -- | -- | -- | -- | -50.00 | 8.48 | -- | -- | -- | 50.96 | 32.57 | 49.76 | -287.75 | -- | -14.44 | -- |
| Waterstone Financial Inc | 104.22m | 10.26m | 284.83m | 698.00 | 28.09 | 0.8541 | 21.53 | 2.17 | 0.5161 | 0.5161 | 6.67 | 16.98 | -- | -- | -- | -- | 0.4717 | 2.07 | -- | -- | -- | -- | 7.80 | 20.98 | -- | -- | -- | 61.31 | 41.23 | 6.12 | -51.89 | -21.15 | -29.30 | 9.34 |
| Southern States Bancshares Inc | 142.30m | 32.40m | 287.92m | 181.00 | 9.01 | 1.29 | 8.49 | 3.04 | 3.59 | 3.59 | 10.50 | 25.06 | -- | -- | -- | -- | 1.39 | 1.20 | -- | -- | -- | -- | 34.16 | 29.38 | -- | -- | -- | 9.71 | 59.64 | 28.88 | 18.03 | 32.88 | -3.27 | -- |
| Pioneer Bancorp Inc | 83.84m | 15.84m | 289.65m | 243.00 | 17.74 | 1.00 | 15.70 | 3.84 | 0.6284 | 0.6284 | 2.99 | 11.12 | -- | -- | -- | -- | 0.8235 | 0.5433 | -- | -- | -- | -- | 21.00 | 14.04 | -- | -- | -- | -- | 62.02 | 8.85 | 113.52 | 11.56 | -43.76 | -- |
| USCB Financial Holdings Inc | 109.53m | 15.35m | 298.88m | 196.00 | 19.46 | 1.53 | 18.76 | 4.56 | 0.7816 | 0.7816 | 3.34 | 9.92 | -- | -- | -- | -- | 0.6597 | -- | -- | -- | -- | -- | 23.42 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
| Sterling Bancorp Inc | 130.65m | 7.72m | 301.75m | 248.00 | 38.20 | 0.9224 | 33.63 | 4.65 | 0.1518 | 0.1518 | 1.28 | 6.29 | -- | -- | -- | -- | 0.3199 | 0.2152 | -- | -- | -- | -- | 11.89 | 6.75 | -- | -- | -- | 7.73 | 26.88 | -4.76 | 152.23 | -34.91 | -34.26 | -- |
| Northeast Community Bancorp Inc | 150.62m | 48.12m | 315.60m | 135.00 | 6.35 | 1.05 | 8.72 | 3.02 | 3.54 | 3.54 | 7.67 | 21.44 | -- | -- | -- | -- | 2.71 | -- | -- | -- | -- | -- | 46.07 | -- | -- | -- | -- | -- | 84.01 | -- | 86.27 | -- | -- | -- |
| MVB Financial Corp | 195.09m | 24.37m | 317.38m | 445.00 | 13.13 | 1.08 | 10.96 | 2.19 | 1.88 | 1.88 | 11.15 | 22.73 | -- | -- | -- | -- | 0.6842 | 1.07 | -- | -- | -- | -- | 16.73 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
| First Internet Bancorp | 255.57m | 16.62m | 320.35m | 287.00 | 19.56 | 0.8735 | 13.83 | 3.05 | 1.89 | 1.89 | 11.96 | 42.37 | -- | -- | -- | -- | 0.3303 | 0.6841 | -- | -- | -- | -- | 15.81 | 28.26 | -- | -- | -- | 7.95 | 52.60 | 15.70 | -76.32 | -17.41 | 19.32 | 0.00 |
| West Coast Community Bancorp | 94.91m | 35.15m | 324.02m | -- | 9.21 | -- | -- | 3.75 | 4.18 | 4.18 | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 40.71 | 36.71 | -- | -- | -- | -- | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
Data as of Jul 24 2024. Currency figures normalised to Waterstone Financial Inc's reporting currency: US Dollar USD
38.62%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 1.57m | 8.01% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 1.45m | 7.37% |
| Renaissance Technologies LLCas of 31 Mar 2024 | 1.29m | 6.55% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 1.00m | 5.11% |
| Rhino Investment Partners, Inc.as of 31 Mar 2024 | 612.75k | 3.12% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 472.90k | 2.41% |
| Bridgeway Capital Management LLCas of 31 Mar 2024 | 403.88k | 2.06% |
| Geode Capital Management LLCas of 31 Mar 2024 | 403.10k | 2.05% |
| Dean Capital Management LLCas of 31 Mar 2024 | 207.95k | 1.06% |
| Brandywine Global Investment Management LLCas of 31 Mar 2024 | 176.47k | 0.90% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
