WSBF
Waterstone Financial Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$20.12
+0.06 ▲ +0.30%
🌙 7월 27일 4:10 PM ET (한국 7/28 05:10)
$20.12
+0.00 +0.00%
워터스톤파이낸셜(WSBF) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.
시가총액
$363M
스몰캡
P/E
11.7
저평가 구간
배당수익률
3.18%
52주 위치
89%
저점 +54% · 고점 -4%
애널리스트
보유
D
Fundamental health
vs. Banks - Regional 소형주
수익성 Top 66%
성장 Top 64%
밸류에이션 Top 89%
재무 안정 Top 61%
💰 Is this stock pricier than usual right now?
Compared to this company's own recent 5년 (not other companies).
Very cheap
Cheap
Typical
Pricey
Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 12원. Over the past 5년, it usually traded around 13원. Roughly in line with its own history.
Pricy doesn't mean bad — it means expectations are already baked in.
| Index | RUT | P/E | 11.66 | EPS (ttm) | 1.73 | Insider Own | 17.45% | Shs Outstand | 18.0M | Perf Week | 3.39% |
| Market Cap | 0.36B | Forward P/E | - | EPS next Y | - | Insider Trans | -3.77% | Shs Float | 14.9M | Perf Month | -0.3% |
| Enterprise Value | - | PEG | - | EPS next Q | - | Inst Own | 52.44% | Short Float | 2.13% | Perf Quarter | 12.34% |
| Income | 0.03B | P/S | 1.76 | EPS this Y | - | Inst Trans | 1.06% | Short Ratio | 4.36 | Perf Half Y | 13.8% |
| Sales | 0.21B | P/B | 1.03 | EPS next 5Y | - | ROA | 1.33% | Short Interest | 0.32M | Perf YTD | 21.57% |
| Book/sh | 19.53 | P/C | - | EPS past 3/5Y | 18.62% -14.83% | ROE | 8.69% | 52W High | -4.33% ($21.03) | Perf Year | 46.54% |
| Cash/sh | - | P/FCF | - | Sales past 3/5Y | 2.7% -8.97% | ROIC | 3.94% | 52W Low | 53.82% ($13.08) | Perf 3Y | 41.49% |
| Dividend Est. | $0.64 (3.18%) | EV/EBITDA | - | EPS Y/Y TTM | 52.13% | Gross Margin | - | Volatility(W/M) | 3.01% 2.77% | Perf 5Y | 6.38% |
| Dividend TTM | 0.64 | EV/Sales | - | Sales Y/Y TTM | 4.6% | Oper. Margin | 18.42% | ATR (14) | 0.51 | Perf 10Y | 53.02% |
| Dividend Ex-Date | 2026/7/8 | Quick Ratio | - | EPS Q/Q | 14.73% | Profit Margin | 14.56% | RSI (14) | 57.42 | Recom | 3 |
| Dividend Gr. 3/5Y | -9.14% 1.39% | Current Ratio | 0.21 | Sales Q/Q | 1.47% | SMA20 | 1.01% ($19.92) | Beta | 0.71 | Target Price | $12.5 |
| Payout | 40.6% | Debt/Eq | 1.17 | Earnings | - | SMA50 | 4.29% ($19.29) | Rel Volume | 0.9 | Prev Close | $20.06 |
| Employees | 593 | LT Debt/Eq | 1.17 | EPS/Sales Surpr. | - | SMA200 | 14.17% ($17.62) | Avg Volume(3M) | 0.07M | Price | $20.12 |
| IPO | 2005/10/5 | Option/Short | Yes/Yes | Trades | 1316 | Volume | 65,740 | Change | 0.3% |
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $29M (YoY +5%) · 순이익 $6M (YoY +98%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red
Waterstone Financial Inc (WSBF) Investment Analysis
What kind of company is Waterstone Financial Inc?
워터스톤파이낸셜(WSBF) 배당주
Financial · Banks - Regional
Small-Cap — Low Volume, High Volatility
Waterstone Financial, Inc. is a community bank holding company headquartered in southeastern Wisconsin, operating both community banking and mortgage banking businesses. Through its subsidiary, Waterstone Bank, it provides deposit and lending services to consumers and businesses, as well as residential mortgage loans, operating along two core business pillars: community banking and mortgage banking.
Learn more about Waterstone Financial Inc →Market Cap
$0.4B
Approx. KRW 0.5 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank3511
Employees593people
IPO2005/10/05
Current Price$20.12 ≈ 27,564원
Key Events
⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🎯 Ex-div 2026년 7월 8일 (수) 주당 $0.17
🎯 Ex-div 2026년 4월 8일 (수)
Is it profitable?
Both profitability & finances need caution
Review management risk carefully before investing
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
18.4%
✓ 부진
Net Margin
Share of revenue left after taxes and interest are paid
14.6%
✓ 부진
ROE
Annual return earned on shareholders' equity (15%+ is strong)
8.7%
✓ 평균
ROA
Annual earnings relative to total company assets
1.3%
✓ 평균
ROIC
Return generated per dollar invested in the business
3.9%
✓ 평균
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
1.17
✓ Average
Current Ratio
Liquid assets available to cover liabilities due within a year
0.21
✓ 위험
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).
What's the outlook?
Mixed Outlook
Positive and negative signals are mixed
애널리스트 목표가
$12.50
현재가 대비 -37.9%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.
Did earnings meet expectations?
Insufficient historical earnings data
No analyzable past earnings releases have been collected yet.
Is it growing?
Average Growth
Mid-range within the industry
Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
+18.6%
우수
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
-14.8%
부진
Past 5-Year Revenue
How much revenue grew over the past 5 years
-9.0%
매우 부진
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+1.5%
평균
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →
Has the stock risen over the long term?
Long-term weakness — -62%p below the market
WSBF +6.4% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-62.0%p
Significantly behind the market
1-year basis
vs S&P 500
+30.5%p
well ahead of the market
Rank among peers
5-year return Bottom 15% Based on 130 peers
1-year return Top 18% Based on 134 peers
Current position within 52-week range
Low (-53.8%p) High (-4.3%p)
Current price is 53.8% above the 52-week low and 4.3% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-7.4%
Annualized volatility
20.4%
Technical Indicators
Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series
Price · Bollinger Bands · Ichimoku Cloud
- close
- BB Upper
- BB Mid
- BB Lower
- Tenkan
- Kijun
- Cloud (SpanA/B)
Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →
Current diagnosis · 2026-07-27
Uptrend zone
Current price $20.12 above the midline ($19.92). Normal upward flow. Above the Ichimoku cloud (bullish).
MACD (12 · 26 · 9) Expand ▼
An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →
Current diagnosis · 2026-07-27
Neutral zone — weak trend
MACD 0.106 · Signal 0.130 · Hist -0.024. Weak directional bias.
RSI(14) · Stochastics %K(14) Expand ▼
RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →
Current diagnosis · 2026-07-27
Bullish zone
RSI 57.5 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 77.5.
※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.
Is it attractive at this price?
Cheaper than peers in its industry
Cheap on Vs. Earnings·Vs. Assets·Vs. Sales
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
Vs. Earnings Cheap
Vs. Assets Cheap
Vs. Sales Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
11.66x
✓ Cheap
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
1.03x
✓ Very cheap
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
1.76x
✓ Very cheap
Analyst target price (reference)
$12.50 vs. current price -37.9%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Banks - Regional 소형주
Who owns it?
Ownership flow is positive
Insider modest net selling -3.8% · Institutional net buying +1.1% · Short interest light 2.1% · Short interest up +1.3pp over last 90d
📈 Recent trading flow (6 months)
🧑💼 Insiders (executives & directors)
-3.8%
Insiders net selling
🏦 Institutions (funds & investors)
+1.1%
Institutions net buying
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 52.4%
Adequate institutional weight
🧑💼 Insiders 17.4%
Founder/management large holders (strong skin-in-the-game)
👤 Retail investors (estimated) 30.1%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
2.1%
Low — limited short-side pressure
Past 90 days 📈 +1.3%p increase
Short interest days to cover
4.4 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 18.0M주
Float (tradable shares) 14.9M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.
ETFs holding WSBF
ETFs with the highest weightings · 10 total shown
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.
How much does it pay in dividends?
배당주 — 연 3.18% 배당
5년 배당 성장률 1.39%
Dividend Yield
3.18%
Industry average 2.62%
Dividend Per Share
$0.64
Annualized
Payout Ratio
41%
Share of net income paid as dividends
5-Year Growth
1.4%
Annualized dividend growth
연도별 배당 총액 추이
주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.
$0.26 +30.0%
2016
$0.98 +276.9%
2017
$0.98 +0.0%
2018
$0.98 +0.0%
2019
$1.28 +30.6%
2020
$1.30 +1.6%
2021
$1.30 +0.0%
2022
$0.75 -42.3%
2023
$0.60 -20.0%
2024
$0.60 +0.0%
2025
$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소
최근 배당 이력 총 55건
아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.
배당락일
주당 금액
지급일
당시 수익률
2026-04-08
$0.170
—
4.20%
2026-01-08
$0.150
—
4.46%
2025-10-08
$0.150
—
4.99%
2025-07-08
$0.150
—
5.40%
2025-04-08
$0.150
—
4.88%
2025-01-08
$0.150
—
4.75%
2024-10-08
$0.150
—
4.35%
2024-07-08
$0.150
—
4.72%
2024-04-05
$0.150
—
7.57%
2024-01-05
$0.150
—
6.50%
2023-10-05
$0.150
—
9.00%
2023-07-07
$0.200
—
6.90%
2023-04-06
$0.200
—
6.78%
2023-01-06
$0.200
—
8.69%
2022-10-06
$0.200
—
9.12%
2022-07-08
$0.200
—
8.81%
2022-04-08
$0.200
—
10.85%
2022-01-07
$0.700
—
9.19%
2021-10-07
$0.200
—
8.41%
2021-07-09
$0.200
—
8.45%
2021-06-10
$0.500
—
7.19%
2021-04-09
$0.200
—
4.51%
2021-01-08
$0.200
—
7.83%
2020-11-30
$0.300
—
7.29%
2020-10-08
$0.120
—
6.70%
2020-07-10
$0.120
—
8.10%
2020-04-08
$0.120
—
8.26%
2020-03-10
$0.500
—
9.08%
2020-01-09
$0.120
—
5.97%
2019-10-10
$0.120
—
6.42%
2019-07-11
$0.120
—
6.51%
2019-04-11
$0.120
—
6.76%
2019-03-20
$0.500
—
6.02%
2019-01-09
$0.120
—
6.56%
2018-10-11
$0.120
—
6.62%
2018-07-11
$0.120
—
5.66%
2018-04-11
$0.120
—
8.55%
2018-03-08
$0.500
—
8.60%
2018-01-11
$0.120
—
5.55%
2017-10-11
$0.120
—
5.05%
2017-07-10
$0.120
—
5.04%
2017-05-10
$0.500
—
4.74%
2017-04-10
$0.120
—
2.24%
2017-01-06
$0.120
—
2.06%
2016-10-06
$0.080
—
1.84%
2016-07-08
$0.080
—
1.48%
2016-04-08
$0.050
—
1.45%
2016-01-07
$0.050
—
1.80%
2015-10-07
$0.050
—
1.84%
2015-07-08
$0.050
—
1.90%
2015-04-08
$0.050
—
1.95%
2015-01-08
$0.050
—
1.54%
2014-10-08
$0.050
—
1.26%
2014-07-09
$0.050
—
0.89%
2014-04-09
$0.050
—
0.49%
* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.
💰 내가 100만원 투자한다면
연간 배당금 (세후) 2.7만원
5년 누적 (세후) 13.9만원
* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 1.39% 가정.
Compare Industry Peers
💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
| Stock | Market Cap | PER | PBR | ROE | Dividend Yield | Change |
|---|---|---|---|---|---|---|
| WSBF This Stock | $363.2M | 11.7 ▲ | 1.0 ▲ | 8.69% ▼ | 3.18% ▲ | +0.3% |
BRK-B | $966.4B | 14.8 ▼ | 1.5 ▼ | 10.49% ▲ | - | +0.5% |
BRK-A | $963.1B | 14.8 ▼ | 1.5 ▼ | 10.49% ▲ | - | +0.1% |
JPM | $954.4B | 15.3 ▼ | 2.7 ▼ | 17.71% ▲ | 1.8% ▼ | +0.8% |
V | $683.1B | 31.9 ▼ | 19.4 ▼ | 59.8% ▲ | 0.75% ▼ | +1.9% |
MA | $487.5B | 31.9 ▼ | 72.8 ▼ | 232.56% ▲ | 0.63% ▼ | +2.2% |
| Sector Avg | - | 13.6 | 1.3 | 9.39% | 2.62% | - |
FAQ
What kind of company is 워터스톤파이낸셜(WSBF)?
워터스톤파이낸셜(WSBF) belongs to the Financial sector and operates in the Banks - Regional industry.
What is the market cap of WSBF?
The market cap of WSBF is approximately $363M, ranking 3,511 within its sector.
Does WSBF pay dividends?
WSBF has a dividend yield of approximately 3.18%, with an annual dividend of $0.64.
What is the P/E ratio of WSBF?
WSBF has a P/E ratio of approximately 11.7x, which can be used to assess its valuation relative to the Financial sector average.
What is the 52-week high and low for WSBF?
WSBF has recorded a 52-week high of $21.03 and a low of $13.08.
면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.