NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
Matching fiscal periods, usable estimates and at least one analyst are required.
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
The calculation requires same-period, same-provider snapshots, positive EPS, at least one analyst and a baseline within three days of the requested lookback.
The EPS and P/E reference is not available for WSBF yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain regular quarterly dividend at $0.17 per share | Waterstone Financial pays a steady quarterly dividend of $0.17 per share. | Intact | Dividend per share falls below $0.17 in any quarter | Dividend per share: $0.17 per share FY2026-Q2; GAAP. Published target: Maintain quarterly dividend at $0.17 per share. Target period is not explicitly aligned with this observation. Aug 6, 20260.17 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
Comparable estimate history is unavailable.
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Compare required revenue and earningsMonthly analyst history is unavailable.
Recent actions · Oct 6–Nov 4 · 0 recorded
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a smaller-cap regional bank with a measured, performance-led thesis rather than a clear turnaround story. The thesis is intact, but the signal softened from favorable to mildly favorable after fresh earnings.
The valuation evidence points to WSBF being cheap versus peers, with expectations below the model’s estimate and low fragility. The overall priced-in tag is justified, though confidence in the valuation model is high and the wider evidence snapshot has medium confidence.
Near term, continued improvement in net interest margin and loan originations could support operations: margin rose from 2.97% to 3.03%, and originations increased between the first and second quarters of 2026. Share repurchases and the regular quarterly dividend continued, but Mortgage Banking pre-tax income declined year over year, and a run of earnings misses remains a risk.
The multi-year view depends in part on whether the bank can sustain margin and origination progress while managing changes in interest rates. Sector earnings are another swing factor: continued strength among the named bellwethers could support the sector backdrop, while weaker results or guidance could remove that support.
Over the next one to three years, WSBF’s recent operating strength and stated priorities support an intact thesis, but the signal is only mildly favorable and the evidence does not remove earnings or rate-related risks. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Stated in a supplied disclosure. Management reported: “, 9/22/2026, On September 22, 2026, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share.” “, 6/23/2026, On June 23, 2026, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share.”
Continue to beat earnings estimates | The company has consistently beaten earnings estimates in recent quarters. | Intact | Miss earnings estimates in 2 consecutive quarters | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Achieve about 12% revenue growth next year | Analysts expect about 12% revenue growth next year. | Intact | YoY revenue growth falls below 11.8% next year | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.