Stocktoria
Waterstone Financial, Inc. WSBF
Waterstone Financial, Inc. (WSBF) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 3.11% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- 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
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| WSBF | Waterstone Financial, Inc. | 5/9 | — | 13.1 | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
About Waterstone Financial, Inc.
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities comprising mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
FAQ
Is WSBF financially healthy?
Waterstone Financial, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does WSBF pay a dividend, and is it safe?
Yes. Waterstone Financial, Inc. pays a dividend yielding about 3.11% with a 40.8% payout ratio, rated “moderate” for safety.
How profitable is WSBF?
In FY2025, Waterstone Financial, Inc. had a return on equity of 7.6%.
Is WSBF overvalued or undervalued?
Waterstone Financial, Inc. trades at about 14.2× trailing earnings — near its 10-year norm (10-year range 5.6×–28.9×, median 14.1×). Stocktoria reports the data, not buy/sell advice.
Is WSBF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Waterstone Financial, Inc.: a Piotroski F-score of 5/9, a P/E of about 13.1×, a dividend yield of 3.11%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.