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WSBF

Waterstone Financial, Inc.
$19.35 -0.69 (-3.44%) At close · Jul 8
Market Cap
$349.33M
Shares
18,053,082

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$19.35 Open$19.86 Day$19.30–19.93 52W$12.84–21.03 Avg vol 30d77K Short int294K · 1.6% float · 5.5d Short vol31% Last earningsApr 23, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 7
Equibles Rating blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Neutral Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Very Low
Market backdrop VIX 16.9 · calm Equity put/call 0.86
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +12%
above
Price vs 50-day avg +2%
above
RSI (14) 47
neutral
MACD trend Negative
52-week position 79%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Strong
1-month return +4%
trailing
6-month return +14%
trailing
YTD return +18%
this year
Relative strength +6%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow Accumulating
4 of 122 funds reported for Jun 30 · net +1 sh shares
Insider flow Distributing
Net -$183.4K over 90 days · 100% sells
Short interest Rising
1.63% of float · ▲ +24.1% MoM · 5.5 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 11.7
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 2.6%
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.

Up next
Next earnings call
Jul 24, 2026 Est · unconfirmed · in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 7, 2026

Technicals

trend & momentum for long-term holders Neutral
1 · 4 · 2
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+12% Bullish
Price vs 50-day avg
+2% Bullish
RSI (14)
47 Neutral
MACD trend
Negative Bearish
52-week position
79% Neutral
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
4 of 122 funds reported for Jun 30 · net +1 sh shares
Insider flow Distributing
Net -$183.4K over 90 days · 100% sells
Short interest Rising
1.63% of float · ▲ +24.1% MoM · 5.5 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 $19 · 79% 52-wk high $21
vs 200-day avg +12% vs 50-day avg +2%

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
$349.33M +18.0% 11.7 1.6%
HDB
Hdfc Bank Ltd
$134.25B -28.4% +15.2% 0.3%
MFG
Mizuho Financial Group Inc
$123.95B +39.2% 0.1%
IBN
Icici Bank Ltd
$103.47B -3.2% 0.7%
PNC
Pnc Financial Services Group, Inc.
$102.00B +22.6% +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
4 of 122
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
146
View
Short & Settlement
Short Interest Rising
Shares short
294.5K
Days to cover
5.5d
Change
+57.1K sh
View
Short Volume
Short vol %
31%
As of
Jul 8, 2026
Short Total
View
Fails to Deliver
FTD shares
76
Value
$1.4K
As of
Jun 10, 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
Earnings Calls
Last call
Apr 23, 2026
View

Performance

5D 20D 120D MTD YTD
WSBF -6.7% +4.1% +13.6% -6.7% +18.0%
SPY +0.9% +1.4% +7.6% +0.1% +9.7%
vs SPY -7.6% +2.7% +6.1% -6.8% +8.3%

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)
3.31%

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) 7 filings 6 filers Visit website