Waterstone Financial, Inc. (WSBF)

Last Closing Price: 18.19 (2026-06-03)

Profile
Ticker
WSBF
Security Name
Waterstone Financial, Inc.
Exchange
NASDAQ
Sector
Financial Services
Industry
Banks - Regional
Free Float
16,970,000
Market Capitalization
334,520,000
Average Volume (Last 20 Days)
49,280
Beta (Past 60 Months)
0.74
Percentage Held By Insiders (Latest Annual Proxy Report)
6.00
Percentage Held By Institutions (Latest 13F Reports)
62.71
Recent Price/Volume
Closing Price
18.19
Opening Price
18.41
High Price
18.48
Low Price
18.11
Volume
47,700
Previous Closing Price
18.53
Previous Opening Price
18.34
Previous High Price
18.57
Previous Low Price
18.34
Previous Volume
39,000
High/Low Price
52-Week High Price
18.86
26-Week High Price
18.86
13-Week High Price
18.86
4-Week High Price
18.77
2-Week High Price
18.75
1-Week High Price
18.75
52-Week Low Price
12.52
26-Week Low Price
15.72
13-Week Low Price
16.70
4-Week Low Price
17.78
2-Week Low Price
18.11
1-Week Low Price
18.11
High/Low Volume
52-Week High Volume
251,000
26-Week High Volume
228,000
13-Week High Volume
163,000
4-Week High Volume
87,000
2-Week High Volume
87,000
1-Week High Volume
47,700
52-Week Low Volume
17,200
26-Week Low Volume
20,000
13-Week Low Volume
32,800
4-Week Low Volume
34,500
2-Week Low Volume
34,500
1-Week Low Volume
34,500
Money Flow
Total Money Flow, Past 52 Weeks
216,507,915
Total Money Flow, Past 26 Weeks
124,665,150
Total Money Flow, Past 13 Weeks
75,573,303
Total Money Flow, Past 4 Weeks
17,229,620
Total Money Flow, Past 2 Weeks
7,677,259
Total Money Flow, Past Week
3,758,024
Total Money Flow, 1 Day
871,082
Total Volume
Total Volume, Past 52 Weeks
13,470,700
Total Volume, Past 26 Weeks
7,032,300
Total Volume, Past 13 Weeks
4,173,300
Total Volume, Past 4 Weeks
936,800
Total Volume, Past 2 Weeks
415,600
Total Volume, Past Week
203,700
Percent Change in Price
Percent Change in Price, Past 52 Weeks
44.57
Percent Change in Price, Past 26 Weeks
14.83
Percent Change in Price, Past 13 Weeks
2.85
Percent Change in Price, Past 4 Weeks
-1.09
Percent Change in Price, Past 2 Weeks
-1.57
Percent Change in Price, Past Week
-2.47
Percent Change in Price, 1 Day
-1.83
New High/Low in Price
Reached New 52-Week High Price
False
Reached New 26-Week High Price
False
Reached New 13-Week High Price
False
Reached New 4-Week High Price
False
Reached New 2-Week High Price
False
Reached New 1-Week High Price
False
Reached New 52-Week Low Price
False
Reached New 26-Week Low Price
False
Reached New 13-Week Low Price
False
Reached New 4-Week Low Price
False
Reached New 2-Week Low Price
True
Reached New 1-Week Low Price
True
Consecutive Days/Weeks of Increasing/Decreasing Price
Consecutive Days of Increasing Price
0
Consecutive Weeks of Increasing Price
0
Consecutive Days of Decreasing Price
1
Consecutive Weeks of Decreasing Price
1
Consecutive Days/Weeks of Increasing/Decreasing Volume
Consecutive Days of Increasing Volume
1
Consecutive Weeks of Increasing Volume
0
Consecutive Days of Decreasing Volume
0
Consecutive Weeks of Decreasing Volume
5
New High/Low in Volume
Had New 52-Week High Volume
False
Had New 26-Week High Volume
False
Had New 13-Week High Volume
False
Had New 4-Week High Volume
False
Had New 2-Week High Volume
False
Had New 1-Week High Volume
True
Had New 52-Week Low Volume
False
Had New 26-Week Low Volume
False
Had New 13-Week Low Volume
False
Had New 4-Week Low Volume
False
Had New 2-Week Low Volume
False
Had New 1-Week Low Volume
False
Moving Averages
Simple Moving Average (5-Day)
18.45
Simple Moving Average (10-Day)
18.48
Simple Moving Average (20-Day)
18.40
Simple Moving Average (50-Day)
18.27
Simple Moving Average (100-Day)
17.97
Simple Moving Average (200-Day)
16.58
Previous Simple Moving Average (5-Day)
18.54
Previous Simple Moving Average (10-Day)
18.48
Previous Simple Moving Average (20-Day)
18.40
Previous Simple Moving Average (50-Day)
18.27
Previous Simple Moving Average (100-Day)
17.95
Previous Simple Moving Average (200-Day)
16.56
Technical Indicators
MACD (12, 26, 9)
0.07
MACD (12, 26, 9) Signal
0.08
Previous MACD (12, 26, 9)
0.09
Previous MACD (12, 26, 9) Signal
0.09
RSI (14-Day)
46.83
Previous RSI (14-Day)
54.12
Stochastic (14, 3, 3) %K
57.91
Stochastic (14, 3, 3) %D
66.78
Previous Stochastic (14, 3, 3) %K
68.69
Previous Stochastic (14, 3, 3) %D
75.53
Upper Bollinger Band (20, 2)
18.79
Lower Bollinger Band (20, 2)
18.02
Previous Upper Bollinger Band (20, 2)
18.79
Previous Lower Bollinger Band (20, 2)
18.01
Income Statement Financials
Quarterly Revenue (MRQ)
49,243,000
Quarterly Net Income (MRQ)
5,997,000
Previous Quarterly Revenue (QoQ)
51,571,000
Previous Quarterly Revenue (YoY)
44,852,000
Previous Quarterly Net Income (QoQ)
7,713,000
Previous Quarterly Net Income (YoY)
3,036,000
Revenue (MRY)
201,295,000
Net Income (MRY)
26,402,000
Previous Annual Revenue
202,470,000
Previous Net Income
18,688,000
Cost of Goods Sold (MRY)
59,374,000
Gross Profit (MRY)
141,921,000
Operating Expenses (MRY)
167,850,000
Operating Income (MRY)
33,445,000
Non-Operating Income/Expense (MRY)
Pre-Tax Income (MRY)
33,445,000
Normalized Pre-Tax Income (MRY)
33,445,000
Income after Taxes (MRY)
26,402,000
Income from Continuous Operations (MRY)
26,402,000
Consolidated Net Income/Loss (MRY)
26,402,000
Normalized Income after Taxes (MRY)
26,402,000
EBIT (MRY)
EBITDA (MRY)
Balance Sheet Financials
Current Assets (MRQ)
1,855,606,000
Property, Plant, and Equipment (MRQ)
19,273,000
Long-Term Assets (MRQ)
395,612,000
Total Assets (MRQ)
2,251,218,000
Current Liabilities (MRQ)
1,438,787,000
Long-Term Debt (MRQ)
413,034,000
Long-Term Liabilities (MRQ)
464,220,000
Total Liabilities (MRQ)
1,903,007,000
Common Equity (MRQ)
348,211,000
Tangible Shareholders Equity (MRQ)
348,211,100
Shareholders Equity (MRQ)
348,211,000
Common Shares Outstanding (MRQ)
18,146,000
Cash Flow Statement Financials
Cash Flow from Operating Activities (MRY)
24,183,000
Cash Flow from Investing Activities (MRY)
-8,745,000
Cash Flow from Financial Activities (MRY)
15,908,000
Beginning Cash (MRY)
39,761,000
End Cash (MRY)
71,107,000
Increase/Decrease in Cash (MRY)
31,346,000
Fundamental Ratios
PE Ratio (Current Year Earnings Estimate)
PE Ratio (Trailing 12 Months)
11.16
PEG Ratio (Long Term Growth Estimate)
Price to Sales Ratio (Trailing 12 Months)
1.63
Price to Book Ratio (Most Recent Quarterly Book Value per Share)
0.97
Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
11.81
Pre-Tax Margin (Trailing 12 Months)
18.05
Net Margin (Trailing 12 Months)
14.28
Return on Equity (Trailing 12 Months)
8.48
Return on Assets (Trailing 12 Months)
1.30
Current Ratio (Most Recent Fiscal Quarter)
1.29
Quick Ratio (Most Recent Fiscal Quarter)
1.19
Debt to Common Equity (Most Recent Fiscal Quarter)
1.19
Inventory Turnover (Trailing 12 Months)
0.29
Book Value per Share (Most Recent Fiscal Quarter)
18.93
Earnings
Fiscal Period End, Next Quarterly Earnings Report
2026-06-30
Quarterly Earnings per Share Estimate
Next Expected Quarterly Earnings Report Date
2026-07-28
Days Until Next Expected Quarterly Earnings Report
54
Fiscal Period End, Last Quarterly Earnings Report
2026-03-31
Last Quarterly Earnings per Share Estimate
Last Quarterly Earnings per Share
0.34
Last Quarterly Earnings Report Date
2026-04-23
Days Since Last Quarterly Earnings Report
42
Earnings per Share (Most Recent Fiscal Year)
Diluted Earnings per Share (Trailing 12 Months)
1.66
Dividends
Last Dividend Date
2026-04-08
Last Dividend Amount
0.17
Days Since Last Dividend
57
Annual Dividend (Based on Last Quarter)
0.68
Dividend Yield (Based on Last Quarter)
3.67
Percent Growth in Revenue/Net Income
Percent Growth in Quarterly Revenue (QoQ)
-4.51
Percent Growth in Quarterly Revenue (YoY)
9.79
Percent Growth in Annual Revenue
-0.58
Percent Growth in Quarterly Net Income (QoQ)
-22.25
Percent Growth in Quarterly Net Income (YoY)
97.53
Percent Growth in Annual Net Income
41.28
New High/Low in Revenue/Net Income
New 5-Year High Annual Revenue
False
New 5-Year Low Annual Revenue
False
New 5-Year High Quarterly Revenue (QoQ)
False
New 5-Year Low Quarterly Revenue (QoQ)
False
New 5-Year High Quarterly Revenue (YoY)
True
New 5-Year Low Quarterly Revenue (YoY)
False
New 5-Year High Annual Net Income
False
New 5-Year Low Annual Net Income
False
New 5-Year High Quarterly Net Income (QoQ)
False
New 5-Year Low Quarterly Net Income (QoQ)
False
New 5-Year High Quarterly Net Income (YoY)
True
New 5-Year Low Quarterly Net Income (YoY)
False
Consecutive Quarters/Years of Increasing/Decreasing Revenue/Net Income
Consecutive Quarters of Increasing Revenue (QoQ)
0
Consecutive Quarters of Decreasing Revenue (QoQ)
3
Consecutive Quarters of Increasing Revenue (YoY)
3
Consecutive Quarters of Decreasing Revenue (YoY)
0
Consecutive Years of Increasing Revenue
0
Consecutive Years of Decreasing Revenue
1
Consecutive Quarters of Increasing Net Income (QoQ)
0
Consecutive Quarters of Decreasing Net Income (QoQ)
2
Consecutive Quarters of Increasing Net Income (YoY)
4
Consecutive Quarters of Decreasing Net Income (YoY)
0
Consecutive Years of Increasing Net Income
2
Consecutive Years of Decreasing Net Income
0
Splits
Last Split Date (if within past year)
Last Split Ratio (if within past year)
Days Since Last Split (if within past year)
Volatility Metrics
Historical Volatility (Close-to-Close) (10-Day)
0.1823
Historical Volatility (Close-to-Close) (20-Day)
0.1792
Historical Volatility (Close-to-Close) (30-Day)
0.1842
Historical Volatility (Close-to-Close) (60-Day)
0.1854
Historical Volatility (Close-to-Close) (90-Day)
0.1713
Historical Volatility (Close-to-Close) (120-Day)
0.1884
Historical Volatility (Close-to-Close) (150-Day)
0.2424
Historical Volatility (Close-to-Close) (180-Day)
0.2360
Historical Volatility (Parkinson) (10-Day)
0.1570
Historical Volatility (Parkinson) (20-Day)
0.1778
Historical Volatility (Parkinson) (30-Day)
0.1945
Historical Volatility (Parkinson) (60-Day)
0.2153
Historical Volatility (Parkinson) (90-Day)
0.2284
Historical Volatility (Parkinson) (120-Day)
0.2420
Historical Volatility (Parkinson) (150-Day)
0.2612
Historical Volatility (Parkinson) (180-Day)
0.2543
Implied Volatility (Calls) (10-Day)
0.6058
Implied Volatility (Calls) (20-Day)
0.6014
Implied Volatility (Calls) (30-Day)
0.5925
Implied Volatility (Calls) (60-Day)
0.5904
Implied Volatility (Calls) (90-Day)
0.5880
Implied Volatility (Calls) (120-Day)
0.5480
Implied Volatility (Calls) (150-Day)
0.5081
Implied Volatility (Calls) (180-Day)
0.4813
Implied Volatility (Puts) (10-Day)
0.9109
Implied Volatility (Puts) (20-Day)
0.8296
Implied Volatility (Puts) (30-Day)
0.6672
Implied Volatility (Puts) (60-Day)
0.4829
Implied Volatility (Puts) (90-Day)
0.5326
Implied Volatility (Puts) (120-Day)
0.5286
Implied Volatility (Puts) (150-Day)
0.5244
Implied Volatility (Puts) (180-Day)
0.5220
Implied Volatility (Mean) (10-Day)
0.7584
Implied Volatility (Mean) (20-Day)
0.7155
Implied Volatility (Mean) (30-Day)
0.6298
Implied Volatility (Mean) (60-Day)
0.5366
Implied Volatility (Mean) (90-Day)
0.5603
Implied Volatility (Mean) (120-Day)
0.5383
Implied Volatility (Mean) (150-Day)
0.5163
Implied Volatility (Mean) (180-Day)
0.5016
Put-Call Implied Volatility Ratio (10-Day)
1.5035
Put-Call Implied Volatility Ratio (20-Day)
1.3795
Put-Call Implied Volatility Ratio (30-Day)
1.1259
Put-Call Implied Volatility Ratio (60-Day)
0.8179
Put-Call Implied Volatility Ratio (90-Day)
0.9058
Put-Call Implied Volatility Ratio (120-Day)
0.9646
Put-Call Implied Volatility Ratio (150-Day)
1.0321
Put-Call Implied Volatility Ratio (180-Day)
1.0845
Implied Volatility Skew (10-Day)
Implied Volatility Skew (20-Day)
Implied Volatility Skew (30-Day)
Implied Volatility Skew (60-Day)
Implied Volatility Skew (90-Day)
Implied Volatility Skew (120-Day)
Implied Volatility Skew (150-Day)
Implied Volatility Skew (180-Day)
0.1020
Option Statistics
Put-Call Ratio (Volume) (10-Day)
Put-Call Ratio (Volume) (20-Day)
Put-Call Ratio (Volume) (30-Day)
Put-Call Ratio (Volume) (60-Day)
Put-Call Ratio (Volume) (90-Day)
Put-Call Ratio (Volume) (120-Day)
Put-Call Ratio (Volume) (150-Day)
Put-Call Ratio (Volume) (180-Day)
Put-Call Ratio (Open Interest) (10-Day)
0.0690
Put-Call Ratio (Open Interest) (20-Day)
0.0672
Put-Call Ratio (Open Interest) (30-Day)
0.0637
Put-Call Ratio (Open Interest) (60-Day)
0.0319
Put-Call Ratio (Open Interest) (90-Day)
0.0000
Put-Call Ratio (Open Interest) (120-Day)
0.0000
Put-Call Ratio (Open Interest) (150-Day)
0.0000
Put-Call Ratio (Open Interest) (180-Day)
Percentiles Within Industry of Price Performance
Percentile Within Industry, Percent Change in Price, Past 52 Weeks
87.19
Percentile Within Industry, Percent Change in Price, Past 26 Weeks
72.81
Percentile Within Industry, Percent Change in Price, Past 13 Weeks
53.75
Percentile Within Industry, Percent Change in Price, Past 4 Weeks
64.69
Percentile Within Industry, Percent Change in Price, Past 2 Weeks
44.69
Percentile Within Industry, Percent Change in Price, Past Week
39.38
Percentile Within Industry, Percent Change in Price, 1 Day
70.00
Percentiles Within Industry of Revenue/Net Income Growth
Percentile Within Industry, Percent Growth in Quarterly Revenue (QoQ)
20.39
Percentile Within Industry, Percent Growth in Quarterly Revenue (YoY)
68.24
Percentile Within Industry, Percent Growth in Annual Revenue
25.16
Percentile Within Industry, Percent Growth in Quarterly Net Income (QoQ)
12.62
Percentile Within Industry, Percent Growth in Quarterly Net Income (YoY)
86.16
Percentile Within Industry, Percent Growth in Annual Net Income
74.21
Percentiles Within Industry of Fundamental Ratios and Percentages
Percentile Within Industry, PE Ratio (Current Year Earnings Estimate)
Percentile Within Industry, PE Ratio (Trailing 12 Months)
39.87
Percentile Within Industry, PEG Ratio (Long Term Growth Estimate)
Percentile Within Industry, Price to Sales Ratio (Trailing 12 Months)
18.93
Percentile Within Industry, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
22.01
Percentile Within Industry, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
61.04
Percentile Within Industry, Pre-Tax Margin (Trailing 12 Months)
27.36
Percentile Within Industry, Net Margin (Trailing 12 Months)
27.76
Percentile Within Industry, Return on Equity (Trailing 12 Months)
25.32
Percentile Within Industry, Return on Assets (Trailing 12 Months)
68.67
Percentile Within Industry, Current Ratio (Most Recent Fiscal Quarter)
96.54
Percentile Within Industry, Quick Ratio (Most Recent Fiscal Quarter)
94.32
Percentile Within Industry, Debt to Common Equity (Most Recent Fiscal Quarter)
91.82
Percentile Within Industry, Inventory Turnover (Trailing 12 Months)
2.79
Percentile Within Industry, Dividend Yield (Based on Last Quarter)
82.50
Percentile Within Industry, Percentage Held By Insiders (Latest Annual Proxy Report)
55.05
Percentile Within Industry, Percentage Held By Institutions (Latest 13F Reports)
58.96
Percentiles Within Sector of Price Performance
Percentile Within Sector, Percent Change in Price, Past 52 Weeks
86.05
Percentile Within Sector, Percent Change in Price, Past 26 Weeks
78.59
Percentile Within Sector, Percent Change in Price, Past 13 Weeks
60.22
Percentile Within Sector, Percent Change in Price, Past 4 Weeks
64.23
Percentile Within Sector, Percent Change in Price, Past 2 Weeks
51.38
Percentile Within Sector, Percent Change in Price, Past Week
46.27
Percentile Within Sector, Percent Change in Price, 1 Day
62.57
Percentiles Within Sector of Revenue/Net Income Growth
Percentile Within Sector, Percent Growth in Quarterly Revenue (QoQ)
28.22
Percentile Within Sector, Percent Growth in Quarterly Revenue (YoY)
62.39
Percentile Within Sector, Percent Growth in Annual Revenue
25.92
Percentile Within Sector, Percent Growth in Quarterly Net Income (QoQ)
27.07
Percentile Within Sector, Percent Growth in Quarterly Net Income (YoY)
83.65
Percentile Within Sector, Percent Growth in Annual Net Income
72.11
Percentiles Within Sector of Fundamental Ratios and Percentages
Percentile Within Sector, PE Ratio (Current Year Earnings Estimate)
Percentile Within Sector, PE Ratio (Trailing 12 Months)
45.81
Percentile Within Sector, PEG Ratio (Long Term Growth Estimate)
Percentile Within Sector, Price to Sales Ratio (Trailing 12 Months)
31.51
Percentile Within Sector, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
26.92
Percentile Within Sector, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
62.38
Percentile Within Sector, Pre-Tax Margin (Trailing 12 Months)
42.76
Percentile Within Sector, Net Margin (Trailing 12 Months)
43.68
Percentile Within Sector, Return on Equity (Trailing 12 Months)
26.22
Percentile Within Sector, Return on Assets (Trailing 12 Months)
48.60
Percentile Within Sector, Current Ratio (Most Recent Fiscal Quarter)
76.13
Percentile Within Sector, Quick Ratio (Most Recent Fiscal Quarter)
74.11
Percentile Within Sector, Debt to Common Equity (Most Recent Fiscal Quarter)
85.22
Percentile Within Sector, Inventory Turnover (Trailing 12 Months)
9.65
Percentile Within Sector, Dividend Yield (Based on Last Quarter)
79.28
Percentile Within Sector, Percentage Held By Insiders (Latest Annual Proxy Report)
54.90
Percentile Within Sector, Percentage Held By Institutions (Latest 13F Reports)
57.67
Percentiles Within Market of Price Performance
Percentile Within Market, Percent Change in Price, Past 52 Weeks
82.72
Percentile Within Market, Percent Change in Price, Past 26 Weeks
75.01
Percentile Within Market, Percent Change in Price, Past 13 Weeks
56.87
Percentile Within Market, Percent Change in Price, Past 4 Weeks
39.71
Percentile Within Market, Percent Change in Price, Past 2 Weeks
27.96
Percentile Within Market, Percent Change in Price, Past Week
26.35
Percentile Within Market, Percent Change in Price, 1 Day
30.07
Percentiles Within Market of Revenue/Net Income Growth
Percentile Within Market, Percent Growth in Quarterly Revenue (QoQ)
35.45
Percentile Within Market, Percent Growth in Quarterly Revenue (YoY)
56.72
Percentile Within Market, Percent Growth in Annual Revenue
30.29
Percentile Within Market, Percent Growth in Quarterly Net Income (QoQ)
34.72
Percentile Within Market, Percent Growth in Quarterly Net Income (YoY)
83.32
Percentile Within Market, Percent Growth in Annual Net Income
72.30
Percentiles Within Market of Fundamental Ratios and Percentages
Percentile Within Market, PE Ratio (Current Year Earnings Estimate)
Percentile Within Market, PE Ratio (Trailing 12 Months)
26.74
Percentile Within Market, PEG Ratio (Long Term Growth Estimate)
Percentile Within Market, Price to Sales Ratio (Trailing 12 Months)
41.43
Percentile Within Market, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
23.03
Percentile Within Market, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
52.30
Percentile Within Market, Pre-Tax Margin (Trailing 12 Months)
76.42
Percentile Within Market, Net Margin (Trailing 12 Months)
74.53
Percentile Within Market, Return on Equity (Trailing 12 Months)
53.95
Percentile Within Market, Return on Assets (Trailing 12 Months)
47.31
Percentile Within Market, Current Ratio (Most Recent Fiscal Quarter)
38.85
Percentile Within Market, Quick Ratio (Most Recent Fiscal Quarter)
44.98
Percentile Within Market, Debt to Common Equity (Most Recent Fiscal Quarter)
83.97
Percentile Within Market, Inventory Turnover (Trailing 12 Months)
3.06
Percentile Within Market, Dividend Yield (Based on Last Quarter)
86.97
Percentile Within Market, Percentage Held By Insiders (Latest Annual Proxy Report)
52.73
Percentile Within Market, Percentage Held By Institutions (Latest 13F Reports)
54.06