Waterstone Financial, Inc. (WSBF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$20.50+3.33%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.1% |
| Our one-year growth estimate | diamond | 10.1% |
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.
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 2026-11-04.
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.
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.
Growth built into the price is above our model estimate.
The price assumes 12.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 231 industry peers · Company calendar date is not available
WSBF — dividend update
Dated 2026-09-22
Results of Operations and Financial Condition . On September 22, 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: Waterstone kept its quarterly dividend at $0.17 in the first two quarters of 2026. A cut would break that recent pattern.
Worry ifThe next dividend declared per common share is below $0.17.
Less concerning ifThe next dividend declared per common share is at least $0.17.
Why it matters: Past-due loans rose from March to June, though they stayed below the prior-year level. A higher rate may point to worsening loan payments.
Worry ifPast-due loans exceed 0.69% of total loans, above the June 2025 rate.
Less concerning ifPast-due loans fall below 0.58%, the March 2026 rate.
Why it matters: Mortgage originations grew, but lower sale margins cut segment income. A further margin drop could erase gains from more loans.
Worry ifGross margin on loans sold falls below 3.60%, the June 2026 level.
Less concerning ifGross margin on loans sold rises above 3.84%, the June 2025 level.
Why it matters: The company bought back shares in both reported quarters and approved up to 2 million more. Fewer buybacks would mean a slowdown in returning capital.
Worry ifThe company buys back fewer than 200,000 shares in a quarter, below its June 2026 total.
Less concerning ifThe company buys back at least 200,000 shares in a quarter, matching or exceeding June 2026.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$71 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $202 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $957 loss on $10,000 · 9.6% | 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.