Waterstone Financial share price logo

Waterstone Financial

NASDAQ: WSBF

$21.00

+0.16

(+0.77%)

Live

as on

Waterstone Financial Stock Performance

as on September 3, 2026 at 12:31 am IST

  • Day's Low

    Day's High

    $20.75
    $21.11
    downward going graph

    1.19%

    Downside

    0.52%

    Upside

    downward going graph

  • 52 Week's Low

    52 Week's High

    $14.52
    $21.50
    downward going graph

    30.88%

    Downside

    2.38%

    Upside

    downward going graph

Waterstone Financial share price movements today

Previous Close
$20.84
Open
$20.93
Volume
213.3K
Market Cap
$380.8M
Dividend Yield
304.33%
Day's Low - High
$20.75 - $21.11
52 Week Low - High
$14.52 - $21.50

Waterstone Financial Historical Returns

1 Month Return
+ 1.56 %
3 Month Return
+ 12.47 %
1 Year Return
+ 40.72 %
3 Year Return
+ 62.18 %
5 Year Return
+ 2.76 %

Waterstone Financial Stock Fundamentals & Key Indicators

Check Waterstone Financial market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$380.8M

EPS (TTM)

0

Dividend Yield

304.33%

Quarterly Earnings Growth YOY

0.14%

PE Ratio (TTM)

12.12

Industry PE ratio

11.20236842105263

PEG Ratio

0

EBITDA

-

Revenue (TTM)

150.5M

Profit Margin

20.00%

Return On Equity TTM

8.69%

Waterstone Financial Stock Valuation

Track how Waterstone Financial P/E has moved over time to understand its valuation trends.

Waterstone Financial in the last 5 years

  • Overview

  • Trends

Lowest (5.54x)

September 30, 2021

Industry (11.20x)

September 2, 2026

Today (12.12x)

September 2, 2026

Highest (26.24x)

September 30, 2023

LowHigh

Today’s Price to Earnings Ratio: 12.12x

Waterstone Financial vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Waterstone Financial with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %Dividend Yield %
Waterstone Financial image
Waterstone Financial
SELL$380.8M2.76%12.1220.00%304.33%
Mizuho Financial image
Mizuho Financial
BUY$131.1B278.17%15.229.14%170.95%
US Bancorp image
US Bancorp
HOLD$95.9B8.45%12.2929.90%339.81%
China Merchants Bank image
China Merchants Bank
NA$153.0BNA6.81100.00%2.54%
Icici Bank image
Icici Bank
BUY$109.5B52.86%18.1468.53%0.84%

Stock Returns calculator for Waterstone Financial Stock including INR - Dollar returns

The Waterstone Financial stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

  • 5Y

  • 7Y

  • 10Y

Waterstone Financial investment value today

Current value as on today

₹1,53,014

Returns

₹53,014

(+53.01%)

Returns from Waterstone Financial Stock

₹41,796 (+41.8%)

Dollar Impact

₹11,218 (+11.22%)

Analyst Recommendation on Waterstone Financial Stock

Based on 6 analysts

SELL

0.00%

Buy

50.00%

Hold

50.00%

Sell

Based on 6 analysts, 50% of analysts recommend a 'SELL' rating for Waterstone Financial. Average target price of $12.5

Waterstone Financial Share Price Target

Get share price movements and forecasts by analysts on Waterstone Financial.

What analysts predicted

-68%DOWNSIDE

Target Price

$12.5

Current Price

$21

Analyzed by

6 Analysts

Target

$12.50

Waterstone Financial target price $12.5, a slight downside of -68% compared to current price of $21. According to 6 analysts rating.

Indian Investors' Interest in Waterstone Financial Stock

Search interest for Waterstone Financial Stock has increased by 100% in the last 30 days, reflecting an upward trend in search activity.

Time period: to

Change:100% versus previous 30 day period

Waterstone Financial Quarterly Profit & Loss

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Total Revenue
47
53
51
47
43
52
51
54
49
7
Gross Profit
31
36
33
30
29
37
36
40
35
-6
Operating Income
4
7
5
6
3
9
9
10
7
-7
EBITDA
5
7
6
6
4
10
10
10
8
-8
Interest Expense
15
17
17
16
15
14
14
14
13
13
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
4
7
5
6
3
9
9
10
7
10
Income Tax Expense
1
1
1
0
0
1
1
2
1
2
Net Income
3
5
4
5
3
7
7
7
5
8
Net Profit Margin
6.45%
10.65%
9.26%
10.95%
6.91%
14.80%
15.49%
14.20%
12.18%
116.06%

Waterstone Financial Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
187
188
188
207
317
268
171
176
199
201
Gross Profit
166
173
170
180
286
258
156
127
132
143
Operating Income
41
44
40
47
108
92
24
11
24
33
EBITDA
45
46
45
52
113
98
28
14
26
35
Interest Expense
20
16
19
27
24
14
13
48
67
59
Depreciation
-
2
2
2
5
6
4
3
2
2
Income Before Tax
41
44
40
47
108
92
24
11
24
33
Income Tax Expense
16
18
9
11
26
21
4
1
5
7
Net Income
25
25
30
35
81
70
19
9
18
26
Net Profit Margin
13.64%
13.78%
16.31%
17.33%
25.53%
26.37%
11.39%
5.30%
9.37%
13.10%

Waterstone Financial Quarterly Cash Flow

All numbers in Millions USD

Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Net Income
5
4
5
3
7
7
7
5
8
Operating Cash Flow
-39
74
23
26
-38
32
3
0
9
Investing Cash Flow
-14
-17
7
16
-6
-56
36
-15
1
Financing Cash Flow
49
-56
-32
-40
72
6
-22
-9
-17
Change in Cash
-4
0
-1
3
27
-17
17
-26
-6

Waterstone Financial Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Net Income
25
30
35
81
70
19
9
18
26
Operating Cash Flow
107
41
-40
-100
154
206
-27
48
19
Investing Cash Flow
-94
-78
-1
44
147
-335
-159
-23
-3
Financing Cash Flow
-10
74
29
76
-20
-201
176
-20
15
Change in Cash
1
37
-11
20
281
-330
-10
3
31

Mutual Funds that own Waterstone Financial Stock

Check out the Mutual Funds with significant holdings in Waterstone Financial.

Funds
Holdings
Shares Held
DFA INVESTMENT DIMENSIONS GROUP INC
4.78336%
859906
VANGUARD INDEX FUNDS
3.820231%
686764
Fidelity Salem Street Trust
0.94673%
170194
Fidelity Concord Street Trust
0.848638%
152560
Bridgeway Funds, Inc.
0.808214%
145293
See all

Global Institutional Holdings in Waterstone Financial

Funds
Holdings
Vanguard
4.03%
iShares
3.85%
Dimensional
2.8%
Avantis
2.18%
Donald Smith
0.92%
See all

Insights on Waterstone Financial

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 2 quarters, 5.99M → 8.46M (in $), with an average increase of 29.1% per quarter

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 1 year, WSBF stock has moved up by 40.7%

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 64.5% return, outperforming this stock by 23.8%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 219.6% return, outperforming this stock by 157.4%

  • imgNEGATIVE IMPACT

    Revenue Fall

    img

    Revenue is down for the last 3 quarters, 54.30M → 7.29M (in $), with an average decrease of 47.3% per quarter

About Waterstone Financial

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.
OrganisationWaterstone Financial
Headquarters11200 West Plank Court, Wauwatosa, WI, United States, 53226
IndustryBanks - Regional
CEOMr. William F. Bruss J.D.
E-voting on sharesClick here to vote

Key Management of Waterstone Financial

Name

Title

Mr. Kyle J. Mertz

Controller

Mr. William F. Bruss J.D.

CEO, President, General Counsel & Secretary

Mr. Mark Raymond Gerke CPA

Executive VP, CFO & Chief Accounting Officer

Mr. Douglas S. Gordon

Director

Mr. Jeffrey R. McGuiness

President & CEO of Waterstone Mortgage Corporation

FAQs

What is Waterstone Financial share price today?

Waterstone Financial share price today is $21.00 as on . Waterstone Financial share today touched a day high of $21.11 and a low of $20.75.

What is the 52 week high and 52 week low for Waterstone Financial share?

Waterstone Financial share touched a 52 week high of $21.50 on and a 52 week low of $14.52 on . Waterstone Financial stock price today i.e. is trending at $21.00,which is 2.33% down from its 52 week high and 44.68% up from its 52 week low.

What is Waterstone Financial's market capitalisation today?

Waterstone Financial market capitalisation is $0.00T as on .

How to invest in Waterstone Financial Stock (WSBF) from India?

  1. Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
  2. Step 2: Search for Waterstone Financial on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Waterstone Financial Shares that will get you 0.0714 shares as per Waterstone Financial share price of $21.00 per share as on September 2, 2026 at 7:01 pm IST.

What is the minimum amount required to buy Waterstone Financial Stock (WSBF) from India?

Indian investors can start investing in Waterstone Financial (WSBF) shares with as little as ₹94.96 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹949.60 in Waterstone Financial stock (as per the Rupee-Dollar exchange rate as on ). Based on Waterstone Financial share’s latest price of $21.00 as on September 2, 2026 at 7:01 pm IST, you will get 0.4762 shares of Waterstone Financial. Learn more about fractional shares .

What are the returns that Waterstone Financial has given to Indian investors in the last 5 years?

Waterstone Financial stock has given 2.76% share price returns and 30.36% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?