Waterstone Financial, Inc. (WSBF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$21.52+0.80%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WSBF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.7% |
| Our one-year growth estimate | diamond | 10.1% |
Growth built into the price is above our model estimate.
The price assumes 8.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 220 industry peers
WSBF — dividend update
Dated 2026-06-23
Results of Operations and Financial Condition . On June 23, 2026, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.
Why it matters: If sector revenue growth slows, it may impact Waterstone's performance. It shows the health of the financial sector.
Worry ifSector revenue growth drops below its median of 15% year over year.
Less concerning ifSector revenue growth stays above its median of 15% year over year.
Why it matters: A lower efficiency ratio means better cost management. It shows the company runs well.
Supportive ifThe efficiency ratio was under 48%.
Worry ifEfficiency ratio gets worse above 50%.
Why it matters: More nonperforming assets may mean weaker asset quality. This could lead to losses.
Worry ifQ3 nonperforming assets were above 0.35%.
Less concerning ifQ3 nonperforming assets were below 0.30%.
Why it matters: Keeping the dividend shows good financial health. It also shows commitment to shareholders.
Supportive ifThe Board declares a quarterly dividend of $0.17 per share in the Q3 earnings report.
Worry ifThe Board reduces the quarterly dividend below $0.17 per share in the Q3 earnings report.
Why it matters: A drop in revenue growth could mean a slowdown in finance. This may affect Waterstone Financial's performance.
Worry ifWaterstone Financial reports revenue growth below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: The earnings report will show how Waterstone is managing in a slowing growth environment. Results can impact investor sentiment.
Watch forEarnings report shows a year-over-year increase in earnings.
Also watch forEarnings report shows a year-over-year decline in earnings.
Why it matters: More nonperforming assets can mean weaker asset quality. This leads to higher credit risk.
Worry ifNonperforming assets are less than 0.30% of total assets.
Less concerning ifNonperforming assets rise above 0.35% in the Q3 earnings report.
Why it matters: Share buybacks can raise earnings per share. They show management's confidence in the company's value.
Supportive ifThe company repurchases at least 200,000 shares in the next quarter.
Worry ifNo share repurchases occur in the next quarter.
Why it matters: A net interest margin above 3.00% shows strong profits. It shows management cares about margins.
Supportive ifQ3 net interest margin was above 3.00%.
Worry ifQ3 net interest margin falls below 2.90%.
Why it matters: Loan origination volumes over $600 million show strong demand. This means good lending strategies.
Supportive ifIn Q3, loan origination volumes were more than $600 million.
Worry ifIn Q3, loan origination volumes were less than $550 million.
Why it matters: Updates on share buybacks show that management trusts the company's value and plans.
Supportive ifThere is news about new share buybacks or the program continuing.
Worry ifNo news or cancellation of the share buyback program.
Why it matters: A steady dividend shows financial strength. It shows a commitment to returning money to shareholders.
Supportive ifDividend declared remains at $0.17 per share.
Worry ifDividend is cut or not declared.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$91 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $212 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $919 loss on $10,000 · 9.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.