Waterstone Financial Inc. (MD) (WSBF) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Waterstone Financial Inc. (MD) (NASDAQ: WSBF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $19.55 (-1.41% 1D, market cap $356.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WSBF ranks #440 in composite RQD confidence.
Within the Financials sector (Savings Institutions), WSBF carries a Roarable C- (60/100 RQD), trailing P/E of 13.5x, gross margin of —, and ROIC of 7.6%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M) and FNRN (First Northern Community Bancorp) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while FMAO leads on capital efficiency (9.0% ROIC).
Per WSBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001569994), Waterstone Financial Inc. (MD) generated $0 in revenue, $26.4M in net income, and $23.0M in free cash flow against $2.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)
Even with a 60/100 (C-) score, WSBF faces multiple-compression risk if 13.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($20.36) or 200D SMA ($19.21) invalidates the momentum regime and cuts Target Base ($19.73) toward Bear Floor ($15.39).
Waterstone Financial Inc. (MD) (WSBF) slipped -1.41% to $19.55, trading at 68% of its 52-week range ($15.05 – $21.66). Solid steady margins (8% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
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Waterstone Financial's spread income, mortgage strength and capital position support growth, while Timberland gains from rising loans, deposits and earnings. Which is the better buy?
WAUWATOSA, Wis., Sept. 22, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share. The dividend is payable on Nov
Improving margins, stronger mortgage volumes, loan growth and solid credit quality are strengthening Waterstone Financial's earnings outlook and financial flexibility.
WSBF's Q2 earnings per share rise year over year on higher net interest income, improved margins and community banking strength, while mortgage banking faces pressure from softer sales margins.
WSBF doubles its Q1 earnings per share on a year-over-year basis on margin expansion and stronger mortgage activity, though higher compensation costs act as a partial offset.
WAUWATOSA, Wis., April 27, 2026 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF) (the “Company”) announced that on April 27, 2026, its Board of Directors authorized the repurchase of up to an additional 2,00
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Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WSBF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WSBF. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Waterstone Financial Inc. (MD) (WSBF) ranks #440 by composite RQD confidence (60/100, grade C-) and #778 by equity capitalization ($356.5M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while FMAO leads on capital efficiency and profitability with 9.0% ROIC and — gross margin. FMAO currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with WSBF at 60/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| WSBF
ACTIVE
Waterstone Financial Inc. (MD) | C- | 60/100 | 13.5x | — | 7.6% | -1.41% | $356.5M | Benchmark Subject |
| WNEB Western New England Bancorp Inc. | C | 65/100 | 18.5x | — | 6.2% | -0.78% | $282.2M | /wneb-vs-wsbf → |
| FNRN First Northern Community Bancorp | D+ | 54/100 | — | — | 0.0% | +0.77% | $278.4M | /fnrn-vs-wsbf → |
| BCBP BCB Bancorp Inc. (NJ) | D | 46/100 | — | — | -4.1% | +2.90% | $264.8M | /bcbp-vs-wsbf → |
| FMAO Farmers & Merchants Bancorp Inc. | C+ | 68/100 | 15.3x | — | 9.0% | -1.86% | $510.7M | /fmao-vs-wsbf → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Waterstone Financial Inc. (MD) (WSBF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $26.4M, operating cash flow of $24.2M, and free cash flow of $23.0M (-51.0% YoY). On the balance sheet, WSBF closed FY2025 with $2.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $26.4M | $24.2M | $23.0M | $2.26B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $18.7M | $48.1M | $47.0M | $2.21B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $9.4M | -$27.6M | -$27.6M | — | — |
As of 2026-11-02, Waterstone Financial Inc. (MD) (NASDAQ: WSBF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $19.55 (-1.41% 1D, market cap $356.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WSBF ranks #440 in composite RQD confidence.
Within the Financials sector (Savings Institutions), WSBF carries a Roarable C- (60/100 RQD), trailing P/E of 13.5x, gross margin of —, and ROIC of 7.6%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M) and FNRN (First Northern Community Bancorp) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while FMAO leads on capital efficiency (9.0% ROIC).
Per WSBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001569994), Waterstone Financial Inc. (MD) generated $0 in revenue, $26.4M in net income, and $23.0M in free cash flow against $2.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
WSBF last traded at $19.55 (-1.41% on volume of 39,948 shares), positioning the stock -3.98% below its 50-day simple moving average ($20.36) and +1.77% above its 200-day simple moving average ($19.21). Across its 52-week range of $15.05 to $21.66, WSBF sits at the 68.1% percentile with a 14-day RSI of 47.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($18.71 to $20.39).
Why WSBF Stock slipped -1.41% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, WSBF scores 60 out of 100, a C- grade, labeled "Roarable Hold — Cautious Neutral." The five pillars are: Fundamental Cash Engine at 9 of 20 (ROIC 7.6%; FCF yield 6.46%), Whale 13F Flow at 9 of 20 (institutional accumulation and options positioning, with no further detail in the source), Insider Conviction at 16 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 13 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5).
For a prospective investor, the profile is mixed. The strongest pillar is insider conviction, which the rating reads as the most favorable input. The weakest pillars are cash generation and institutional flow, both at 9 of 20. The forensic balance sheet and macro fit sit at the midpoint. The cash-engine score is constrained despite a 7.6% ROIC and a 6.46% FCF yield, which suggests that these returns do not by themselves lift the overall rating. Valuation, at 13.5x trailing earnings and 12.6x forward earnings, is not cheap on the rating's own framing, and the Piotroski score of 4/9 signals only modest financial-health strength. Upside drivers cited in the data are the insider cluster flow and the FCF yield; the principal tradeoffs are a low institutional-flow score and a neutral macro posture at beta 1.0.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $26.4M | N/A | $23.0M | N/A | N/A |
| FY 2024 | $0.0M | $0.0M | $18.7M | N/A | $47.0M | N/A | N/A |
| FY 2023 | $0.0M | $0.0M | $9.4M | N/A | $-27.6M | N/A | N/A |
Per the SEC financials, net income rose from $9.4M in FY 2023 to $18.7M in FY 2024 and $26.4M in FY 2025, while free cash flow was $-27.6M, $47.0M, and $23.0M across the same years. Revenue, operating income, EPS, cash, and debt are reported as zero or N/A in the source. Per the market data, gross, operating, and net margins are each listed as 0%, so margin analysis is not supported by the source. The ROIC of 7.6% and the Altman Z-Score of 2.5 are cited in the rating, and the Piotroski F-Score is 4/9 with a Debt/Equity ratio of 0.5, indicating a moderate balance-sheet posture rather than a strong one.
Real-time company headlines, analyst actions, and sector developments for Waterstone Financial Inc. (MD) (WSBF) • Click "Debate This Headline" to argue it in the Roar Pit below
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Alphabet, ExxonMobil and Toyota Motor headline today's top research reports, highlighting AI growth, energy cash generation and hybrid vehicle opportunities.
Four dividend stocks have ex-dividend deadlines in the next 48 hours, and one of them stops qualifying at today's close. Yields, earnings coverage, and a few red flags worth knowing before the window shuts.
Waterstone Financial's spread income, mortgage strength and capital position support growth, while Timberland gains from rising loans, deposits and earnings. Which is the better buy?
WAUWATOSA, Wis., Sept. 22, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share. The dividend is payable on Nov
Improving margins, stronger mortgage volumes, loan growth and solid credit quality are strengthening Waterstone Financial's earnings outlook and financial flexibility.
WSBF's Q2 earnings per share rise year over year on higher net interest income, improved margins and community banking strength, while mortgage banking faces pressure from softer sales margins.
WSBF doubles its Q1 earnings per share on a year-over-year basis on margin expansion and stronger mortgage activity, though higher compensation costs act as a partial offset.
Welcome to the WSBF (Waterstone Financial Inc. (MD)) Roar Pit. Current RQD Composite is 60/100 (Roarable Hold — Cautious Neutral) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on WSBF, but look at what you are paying: 13.5x trailing P/E with tightening sector spreads. Unless Waterstone Financial Inc. (MD) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on WSBF, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $19.83 (52-wk range $15.05 - $21.66), any beat on forward guidance forces shorts and underweight funds to chase.
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