Waterstone Financial, Inc. WSBF
Nasdaq · XNAS · stock · Savings Institution, Federally Chartered
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
40.8%
Dividend payout · moderate
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $26.4M | — | $23.0M | $349.4M |
| 2024 | — | $18.7M | — | $47.0M | $339.1M |
| 2023 | — | $9.4M | — | -$28.3M | $344.1M |
| 2022 | — | $19.5M | — | $206.0M | $370.5M |
| 2021 | — | $70.8M | — | $141.2M | $432.8M |
| 2020 | — | $81.1M | — | -$94.8M | $413.1M |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0001569994 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.