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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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pioneer Bancorp Inc | 79.51m | 17.14m | 228.60m | 243.00 | 12.93 | 0.8055 | 11.56 | 3.06 | 0.6806 | 0.6806 | 2.96 | 10.92 | -- | -- | -- | -- | 0.9298 | 0.5433 | -- | -- | -- | -- | 22.97 | 14.06 | -- | -- | -- | -- | 62.02 | 8.85 | 113.52 | 11.56 | -43.76 | -- |
| First of Long Island Corp | 160.96m | 24.19m | 229.72m | 288.00 | 9.56 | 0.6092 | 10.38 | 2.51 | 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 |
| River Financial Corp | 132.45m | 26.74m | 229.92m | 338.00 | 7.95 | 1.16 | 7.59 | 2.30 | 3.77 | 3.77 | 14.14 | 25.91 | -- | -- | -- | -- | 0.8812 | 1.02 | -- | -- | -- | -- | 26.76 | 27.73 | -- | -- | -- | 12.01 | 48.82 | 29.24 | -4.26 | 25.74 | 59.36 | -- |
| BayCom Corp | 128.03m | 26.11m | 231.10m | 358.00 | 9.10 | 0.7296 | 10.33 | 2.25 | 2.21 | 2.21 | 8.70 | 27.62 | -- | -- | -- | -- | 1.02 | 0.9295 | -- | -- | -- | -- | 25.47 | 22.55 | -- | -- | -- | 7.25 | 18.00 | 17.31 | 15.57 | 13.61 | 15.95 | -- |
| Southern States Bancshares Inc | 142.30m | 32.40m | 233.49m | 181.00 | 7.32 | 1.05 | 9.19 | 2.46 | 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 | -- |
| USCB Financial Holdings Inc | 109.53m | 15.35m | 233.84m | 196.00 | 15.23 | -- | 20.92 | 3.57 | 0.7816 | 0.7816 | 3.34 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 23.42 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
| MVB Financial Corp | 189.82m | 22.45m | 239.74m | 445.00 | 10.79 | 0.8231 | 8.81 | 1.68 | 1.73 | 2.41 | 11.00 | 22.68 | -- | -- | -- | -- | 0.6964 | 1.07 | -- | -- | -- | -- | 15.54 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
| LINKBANCORP Inc | 65.20m | -11.97m | 239.78m | 342.00 | -- | 0.9036 | -- | 6.02 | -0.5047 | -0.5047 | 2.24 | 7.11 | -- | -- | -- | -- | -0.6244 | -- | -- | -- | -- | -- | -30.07 | -- | -- | -- | -- | -- | 61.93 | -- | -313.79 | -- | -- | -- |
| West Coast Community Bancorp | 94.91m | 35.15m | 243.15m | -- | 6.94 | -- | -- | 2.82 | 4.18 | 4.18 | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 40.71 | 36.71 | -- | -- | -- | -- | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
| Waterstone Financial Inc | 104.22m | 10.26m | 244.10m | 698.00 | 23.75 | 0.7222 | 25.15 | 1.86 | 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 |
| John Marshall Bancorp Inc | 104.24m | 3.06m | 252.70m | 133.00 | 82.01 | 1.08 | -- | 7.64 | 0.2167 | 0.2167 | 2.35 | 16.51 | -- | -- | -- | -- | 0.1329 | -- | -- | -- | -- | -- | 9.25 | -- | -- | -- | -- | -- | 19.87 | -- | -83.77 | -- | -- | -- |
| Sterling Bancorp Inc | 130.65m | 7.72m | 252.95m | 248.00 | 32.01 | 0.7729 | 28.44 | 3.90 | 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 | -- |
| First Bancorp Inc | 134.25m | 27.57m | 256.66m | 271.00 | 9.28 | 1.06 | 11.07 | 3.29 | 2.48 | 2.48 | 7.04 | 21.80 | -- | -- | -- | -- | 0.9523 | 1.30 | -- | -- | -- | -- | 35.29 | 38.97 | -- | -- | -- | 44.75 | 37.77 | 12.69 | -24.29 | 4.63 | 12.17 | 5.42 |
| Bank of Marin Bancorp | 139.29m | 13.38m | 257.97m | 329.00 | 18.99 | 0.5908 | 15.89 | 2.57 | 0.8339 | 0.8339 | 6.25 | 26.81 | -- | -- | -- | -- | 0.3386 | 0.9522 | -- | -- | -- | -- | 13.33 | 28.74 | -- | -- | -- | 41.63 | 7.27 | 7.97 | -57.29 | -9.42 | 14.03 | 9.51 |
| Southern California Bancorp | 125.04m | 22.62m | 259.01m | 204.00 | 11.55 | 0.8855 | 10.75 | 2.07 | 1.21 | 1.21 | 6.69 | 15.79 | 0.0546 | -- | 7.33 | 612,946.10 | 0.9874 | -- | 7.27 | -- | -- | -- | 18.09 | -- | -- | 1.93 | 0.871 | -- | 31.35 | -- | 60.80 | -- | -- | -- |
| Primis Financial Corp | 205.89m | 9.94m | 261.13m | 565.00 | 26.28 | 0.6239 | 29.80 | 1.74 | 0.4026 | 0.4026 | 6.10 | 16.96 | -- | -- | -- | -- | 0.2058 | 0.6436 | -- | -- | -- | -- | 5.09 | 17.75 | -- | -- | -- | 45.42 | 63.31 | 11.61 | -43.97 | -21.66 | -- | 4.56 |
Data as of May 07 2024. Currency figures normalised to Waterstone Financial Inc's reporting currency: US Dollar USD
38.23%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 1.65m | 8.24% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 1.54m | 7.68% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 1.27m | 6.35% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 1.00m | 4.99% |
| Rhino Investment Partners, Inc.as of 31 Dec 2023 | 535.49k | 2.67% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 485.10k | 2.42% |
| Geode Capital Management LLCas of 31 Dec 2023 | 397.57k | 1.98% |
| Bridgeway Capital Management LLCas of 31 Dec 2023 | 378.98k | 1.89% |
| Dean Capital Management LLCas of 31 Dec 2023 | 226.99k | 1.13% |
| Brandywine Global Investment Management LLCas of 31 Dec 2023 | 176.47k | 0.88% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
