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WSBF

Waterstone Financial, Inc.
$19.98 +0.28 (+1.42%) At close · Jul 16
Market Cap
$354.74M
Shares
18,053,082

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$19.98 Open$19.72 Day$19.60–20.02 52W$12.84–21.03 Avg vol 30d85K Short int333K · 1.8% float · 2.9d Short vol52% DataJan 2020–Jul 2026 Filing10-Q · May 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 7, 2026
Equibles Rating blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Very Low
Market backdrop VIX 16.7 · calm Equity put/call 0.67
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +14%
above
Price vs 50-day avg +5%
above
RSI (14) 56
neutral
MACD trend Negative
52-week position 87%
near high
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Strong
1-month return +4%
trailing
6-month return +9%
trailing
YTD return +22%
this year
Relative strength 0%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow Accumulating
8 of 122 funds reported for Jun 30 · net +2.6K sh shares
Insider flow Distributing
Net -$183.4K over 90 days · 100% sells
Short interest Rising
1.85% of float · ▲ +13.1% MoM · 2.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
122 holders — near 3-yr high, broad support
Squeeze score 53
elevated · 0–100
Fundamentals
Strong
EPS growth +47%
Y/Y
Free cash flow $23.0M
Valuation P/E 11.9
below peers
Balance sheet $326.2M
net debt
Quant / Vol
risk profile
Very Low
Volatility 24%
annualized · 1-yr
Max drawdown −9%
past year
ATR 2.4%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Buy
1 · 3 · 3
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+14% Bullish
Price vs 50-day avg
+5% Bullish
RSI (14)
56 Neutral
MACD trend
Negative Bearish
52-week position
87% Bullish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow Accumulating
8 of 122 funds reported for Jun 30 · net +2.6K sh shares
Insider flow Distributing
Net -$183.4K over 90 days · 100% sells
Short interest Rising
1.85% of float · ▲ +13.1% MoM · 2.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
122 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $13 Now $20 · 87% 52-wk high $21
vs 200-day avg +14% vs 50-day avg +5%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings
Metric Latest Period YoY
Dividends declared per common share $0.17 Q1 2026
Gross margin on loans sold 3.65% Q1 2026
Mortgage banking non-interest income $19.1M Q1 2026

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
WSBF
Waterstone Financial, Inc.
this stock
$354.74M +21.8% 11.9 1.8%
HDB
Hdfc Bank Ltd
$134.84B -28.0% +15.2% 0.4%
MFG
Mizuho Financial Group Inc
$125.72B +41.0% 0.1%
IBN
Icici Bank Ltd
$106.15B -0.8% 0.7%
PNC
Pnc Financial Services Group, Inc.
$102.48B +23.2% +7.2% 14.8 1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
122
% held
51.7%
Reported
8 of 122
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
146
View
Short & Settlement
Short Interest Rising
Shares short
333.2K
Days to cover
2.9d
Change
+38.7K sh
View
Short Volume
Short vol %
52%
As of
Jul 16, 2026
Short Total
View
Fails to Deliver
FTD shares
251
Value
$5.2K
As of
Jun 30, 2026
View
Off-Exchange
Off-exchange %
40.1%
Week of
May 4, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$183.4K
Buyers / Sellers
0 / 1
Buyers Sellers
View
Financials
Financials
Net income (FY)
$26.4M
EPS diluted
$1.48
View
Filings
SEC Filings
Latest
8-K
Filed
Jun 23, 2026
This year
9
View
Proposed Sales
Value
$185.0K
Shares
10.0K
Filed
May 21, 2026
View
Earnings & Events
Investor Relations
Latest news
Waterstone Financial Declares Reg…
Published
Jun 23, 2026
View

Performance

5D 20D 120D MTD YTD
WSBF +2.2% +4.1% +8.9% -3.6% +21.8%
SPY -0.1% +0.1% +9.0% +0.5% +10.1%
vs SPY +2.3% +4.0% -0.1% -4.2% +11.7%

Capital returns

Latest dividend
$0.17 / share · ex Jul 8, 2026
Raised 13.3%
Paid (TTM)
$0.64 / share · 4 payouts
Dividend yield (TTM, derived)
3.20%

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1569994 CUSIP 94188P101 13F (30d) 11 filings 10 filers Visit website Investor relations