← Waterstone Financial, Inc. WSBF
Market Price
$21.30
Market Cap
$386.34M
P/E Ratio
14.39
Revenue (FY 2025)
↑93,269.1% YoY
$141.92M
3-Yr CAGR: -4.4%
Net Income
↑41.3% YoY
$26.40M
Net Margin: 18.6%
Free Cash Flow
↓-51.0% YoY
$23.02M
FCF Yield: 5.96%
EPS (Diluted)
↑46.5% YoY
$1.48
Basic: $1.48
Return on Equity
Efficiency
7.6%
ROA: 1.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (WSBF)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2024: Revenue YoY (-73.9%) is identical to Gross Profit YoY (-73.9%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $169.8M | — | $149.5M | $25.5M | — | $0.93 | — | $-24.1M | $-25.1M | — |
| FY 2017 | $175.1M | +3.1% | $158.8M | $26.0M | +1.7% | $0.93 | 0.0% | $107.1M | $105.5M | +519.6% |
| FY 2018 | $172.4M | -1.6% | $152.9M | $30.8M | +18.4% | $1.11 | +19.4% | $42.9M | $39.0M | -63.1% |
| FY 2019 | $182.9M | +6.1% | $155.4M | $35.9M | +16.7% | $1.37 | +23.4% | $-40.2M | $-43.3M | -211.2% |
| FY 2020 | $297.5M | +62.6% | $272.5M | $81.1M | +126.0% | $3.30 | +140.9% | $-100.6M | $-101.8M | -134.9% |
| FY 2021 | $258.7M | -13.0% | $244.3M | $70.8M | -12.8% | $2.96 | -10.3% | $154.5M | $153.7M | +251.0% |
| FY 2022 | $162.5M | -37.2% | $149.2M | $19.5M | -72.5% | $0.89 | -69.9% | $206.7M | $206.0M | +34.0% |
| FY 2023 | $0.6M | -99.6% | $0.6M | $9.4M | -51.9% | $0.46 | -48.3% | $-27.6M | $-28.3M | -113.7% |
| FY 2024 | $0.2M | -73.9% | $0.2M | $18.7M | +99.3% | $1.01 | +119.6% | $48.1M | $47.0M | +266.1% |
| FY 2025 | $141.9M | +93,269.1% | $82.5M | $26.4M | +41.3% | $1.48 | +46.5% | $24.2M | $23.0M | -51.0% |
Valuation
Market Price
$21.30
Market Cap
$386.34M
Enterprise Value
$712.49M
P/E Ratio
14.39
P/B Ratio
1.10
FCF Yield
5.96%
Dividend Yield
2.82%
Shares Outstanding
Profitability & Margins
Gross Margin
58.16%
Operating Margin
23.57%
Net Margin
18.60%
Return on Equity (ROE)
7.56%
Return on Assets (ROA)
1.17%
Asset Turnover
0.06x
Revenue 3-Yr CAGR
-4.41%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
1.180
Debt / Assets
0.182
Cash & Equivalents
$86.10M
Total Debt
$412.26M
Book Value / Share
$19.35
Cash Flow Efficiency
Operating Cash Flow
$24.18M
Capital Expenditures (CapEx)
$1.17M
Free Cash Flow
$23.02M
OCF / Revenue
17.04%
FCF / Revenue
16.22%
FCF 3-Yr CAGR
-51.83%
Per Share Metrics
EPS (Diluted)
$1.48
EPS (Basic)
$1.48
Dividends / Share
$0.60
Book Value / Share
$19.35
EPS YoY Growth
46.53%
Balance Sheet (FY 2025)
Total Assets
$2.26B
Total Liabilities
$1.91B
Stockholders' Equity
$349.39M
Current Assets
N/A
Current Liabilities
N/A