WSBF · Waterstone Financial, Inc.
Market Cap
$378.33M
Shares
17.98M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.07
Open$21.01
Day$21.00–21.41
52W close$14.57–21.41
Avg vol 30d61K
Short int396K · 2.2% float · 7.7d
Short vol61%
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+3%
above
RSI (14)
58
neutral
MACD trend
Negative
52-week position
95%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+21%
trailing
YTD return
+27%
this year
Relative strength
+7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $20 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +16 funds added
Insider flow
Distributing
Net -$172.4K over 90 days · 100% sells
Short interest
Rising
2.20% of float · ▲ +21.2% MoM · 7.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
125 holders — near 3-yr high, broad support
Squeeze score
66
elevated · 0–100
Fundamentals
EPS growth
+47%
Y/Y
Free cash flow
$23.0M
Valuation
P/E 12.3
below peers
Balance sheet
$337.7M
net debt
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−10%
past year
ATR
2.0%
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
58
Neutral
MACD trend
Negative
Bearish
52-week position
95%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $20 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +16 funds added
Insider flow
Distributing
Net -$172.4K over 90 days · 100% sells
Short interest
Rising
2.20% of float · ▲ +21.2% MoM · 7.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
125 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $15
Now $21 · 95%
Range high $21
vs 200-day avg +15%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Total loan origination volume | $614.7M | the three months ended June 30, 2026 filing | — |
| Average core retail deposits | 1.34B | the quarter ended June 30, 2026 | — |
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| Average loans held for investment | 1.68B | the quarter ended June 30, 2026 | — |
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| Book value per share | $19.53 | June 30, 2026 | — |
| Branch locations | 14 | June 30, 2026 | — |
| Dividends declared per common share | $0.17 | the quarter ended June 30, 2026 | — |
| Efficiency ratio (Community Banking segment) non-GAAP | 48.16% | the quarter ended June 30, 2026 | — |
| Gross margin on loans sold | 3.6% | the quarter ended June 30, 2026 | — |
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| Loan originations | 621.8M | the quarter ended June 30, 2026 | — |
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| Net interest margin | 3.03% | the quarter ended June 30, 2026 | — |
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| Purchase | 88.6% | June 30, 2026 | — |
| Refinance | 11.4% | June 30, 2026 | — |
| Return on average assets (annualized) | 1.52% | the quarter ended June 30, 2026 | — |
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| Return on average assets - YTD | 1.31% | June 30, 2026 | — |
| Shares repurchased | 200,000 | the quarter ended June 30, 2026 | — |
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| Consolidated return on average assets (annualized) | 1.1% | the quarter ended March 31, 2026 | — |
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| Dividends declared during the quarter | $0.17 | the quarter ended March 31, 2026 | — |
| Efficiency ratio non-GAAP | 52.48% | the quarter ended March 31, 2026 | — |
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| Efficiency ratio - QTD (non-GAAP) non-GAAP | 99.99% | Three Months Ended March 31, 2026 | — |
| Efficiency ratio - YTD (non-GAAP) non-GAAP | 99.99% | Three Months Ended March 31, 2026 | — |
| Past due loans at the community banking segment | 6.9M | March 31, 2026 | — |
| Return on average equity - QTD | 6.88% | Three Months Ended March 31, 2026 | — |
| Nonperforming assets as a percentage of total assets | 0.29% | the quarter ended December 31, 2025 | — |
| Origination volume relative to purchase activity | 78.9% | the quarter ended December 31, 2025 | — |
| Past due loans as a percentage of total loans | 0.86% | the quarter ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WSBF
this stock
Waterstone Financial, Inc.
|
$378.33M | +27.3% | — | 12.3 | 2.2% |
|
MFG
Mizuho Financial Group Inc
|
$129.26B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.56B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.22B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WSBF | -0.1% | +2.7% | +20.7% | +2.7% | +27.3% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -0.6% | -0.3% | +7.3% | -0.3% | +14.5% |
Capital returns
Latest dividend
$0.17
/ share · ex Jul 8, 2026
Paid (TTM)
$0.64
/ share · 4 payouts
Dividend yield (TTM, derived)
3.04%
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.