Loading…
Employees: 593
Size Waterstone Financial (WSBF) is a United States Financials company (Finance/Rental/Leasing) with a market value of $357M, the 2962nd largest of 3,117 United States companies the cockpit tracks. Shares closed at $19.86 on 6 Nov 2026.
Performance Over six months the shares gained 6.1%, against +3.2% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 19 in its peer set.
Growth Revenue grew 4.6% over the last twelve months (peer median +8.4%); the operating margin is 25.3% (peer median 13.2%).
Valuation It trades at 1.02× book value against a peer median of 1.18× (9th cheapest of 20).
Price implies The share price implies a return on equity of about 8.8%; Waterstone Financial delivers 8.7%, so the price asks more than the business earns today.
Short interest Short interest is 2.5% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $207M | $202M | $203M | $182M | $186M |
| Revenue growth | — | -1% | +11% | -2% | — |
| Net income | $30.1M | $26.4M | $18.7M | $9.38M | $19.5M |
| Free cash flow | $37.6M | $17.9M | -$64.8M | -$70.3M | -$40.8M |
| Capital expenditure | $2.15M | $1.34M | $6.28M | $880,000 | $881,000 |
| Total debt | $412M | $412M | $447M | $611M | $387M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | WSBF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +1.4% | -1.0% | 8th highest of 21 |
| 6-month return | +6.1% | +3.2% | 9th highest of 19 |
| Return on equity | 8.7% | 8.9% | 9th lowest of 19 |
| Price / book | 1.02× | 1.18× | 9th cheapest of 20 |
| Trailing P/E | 11.5× | 9.3× | 6th most expensive of 13 |
| ROE the price implies | 8.8% | 9.3% | 10th least demanding of 20 |
| ROE delivered | 8.7% | 8.8% | 8th lowest of 16 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Waterstone Financial WSBF | United States | $357M | +6% | +5% | 9% | 1.02× | 8.8% | 8.7% |
| Better Home & Finance BETR | United States | $366M | -34% | +41% | -224% | 6.31× | 68.0% | -224.0% |
| Crescent Capital BDC CCAP | United States | $346M | -31% | -29% | 0% | 0.53× | 5.6% | -0.5% |
| Sanghvi Movers SANGHVIMOV.NS | India | $343M | +11% | +30% | 15% | 2.47× | 34.6% | n/a |
| Inflection Point Acquisition Corp. VI IPFX | United States | $343M | n/a | n/a | n/a | 1.41× | 7.7% | n/a |
| China Aircraft Leasing 1848.HK | Hong Kong | $340M | -11% | +19% | 8% | 0.57× | 6.3% | 8.4% |
| GECOSS 9991.T | Japan | $376M | +9% | +5% | 9% | 0.83× | 6.1% | 8.8% |
| Capital Finance 8239.HK | Hong Kong | $380M | +111% | +31% | -76% | 133.31× | 990.3% | -75.7% |
| doValue DOV.MI | Italy | $381M | -16% | +9% | -15% | 2.23× | 27.8% | -14.8% |
| Ichinen 9619.T | Japan | $381M | +19% | +6% | 18% | 0.77× | 4.8% | 17.6% |
| Shandong Hi-Speed 0412.HK | Hong Kong | $334M | -65% | -15% | n/a | n/a | n/a | n/a |
| ASA International ASAI.L | United Kingdom | $332M | +28% | +25% | 45% | 1.69× | 30.5% | 44.9% |
| Nippon Care Supply 2393.T | Japan | $385M | +76% | +10% | 14% | 3.28× | 9.9% | 13.5% |
| Sankyo Frontier 9639.T | Japan | $331M | +6% | +4% | 11% | 0.97× | 5.8% | 11.5% |
| Aye Finance AYE.NS | India | $385M | +4% | +22% | 13% | 1.33× | 30.9% | 13.1% |
| IndoStar Capital Finance INDOSTAR.NS | India | $329M | -15% | -2% | 4% | 0.82× | 14.6% | n/a |
| Public Financial 0626.HK | Hong Kong | $328M | +58% | -7% | 1% | 0.33× | 4.0% | 1.3% |
| Atrium Mortgage Investment AI.TO | Canada | $390M | -7% | -11% | 9% | 1.03× | 8.0% | 9.1% |
| Zedcor ZDC.V | Canada | $390M | -19% | +71% | -1% | 5.69× | 27.7% | -1.2% |
| 7855 7855.TW | Taiwan | $325M | n/a | +2% | 14% | 1.18× | 4.0% | n/a |
| Regional Management RM | United States | $324M | +3% | +8% | 13% | 0.87× | 9.3% | 12.6% |