Waterstone Financial, Inc. logo WSBF - Waterstone Financial, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 2
SELL 0
STRONG
SELL
0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue
Revenue 201.6 199.4 177.0 171.1 268.5 317.9 207.2 188.5 188.4 187.2 166.4 148.2 150.7 161.0 122.6 128.9 111.8 112.4 103.8 97.4 88.6 40.6 36.3 38.0 44.9 51.7
Cost of Revenue 58.0 66.8 49.6 14.3 10.4 31.3 26.6 18.5 15.2 20.7 25.1 23.5 28.2 36.2 54.9 66.1 81.3 100.7 73.8 56.0 88.6 37.3 33.3 35.0 42.7 50.0
Gross Profit 143.6 132.5 127.3 156.8 258.1 286.5 180.6 170.1 173.2 166.6 141.4 124.7 122.5 124.8 67.7 62.8 30.5 11.7 30.0 41.5 0 3.3 3.0 3.0 2.1 1.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 5.7 84.6 87.9 103.5 138.6 142.7 107.0 103.5 102.0 99.3 87.2 75.2 75.4 70.8 45.5 42.8 20.3 20.3 16.6 17.6 36.5 11.4 10.8 0 0 0
Other Expenses 104.5 23.9 28.4 28.8 27.3 35.7 26.0 26.3 26.8 25.3 28.4 29.6 23.7 31.3 29.1 21.8 21.7 15.6 12.0 11.1 (18.2) (24.8) (23.2) (13.9) (13.5) (6.4)
Operating Expenses 110.2 108.5 116.3 132.3 166.0 178.4 133.0 129.8 128.8 124.6 115.5 104.8 99.1 102.1 74.6 64.6 42.0 35.9 28.7 28.7 18.2 (13.4) (12.4) (13.9) (13.5) (6.4)
Operating Income
Operating Income 33.4 24.0 11.0 24.5 92.1 108.1 47.6 40.3 44.4 42.0 25.8 19.9 23.3 22.7 (6.9) (1.8) (11.4) (24.1) 1.3 12.8 8.4 16.6 15.4 16.8 15.7 8.1
Interest Expense 59.4 67 49.0 13.3 14.4 25.0 27.5 19.5 16.4 20.3 23.1 22.3 23.7 27.9 32.8 40.3 54.6 63.0 62.1 53.8 4.9 36.1 32.4 34.5 41.4 49.1
Interest Income 116.1 113.2 99.2 70.2 69.9 78.5 79.7 73.7 67.1 63.7 62.0 63.6 62.9 69.8 79.4 89.9 98.5 104.1 97.0 92.2 0 74.2 66.1 66.5 98.8 68.0
Profitability
EBITDA 33.4 26.5 14.3 28.5 98.2 113.7 52.3 45.0 46.6 45.2 29.4 23.6 27.2 25.2 (5.1) 0.1 (9.5) (21.7) 5.0 16.3 10.2 18.3 17.0 16.8 15.7 8.1
EBIT 33.4 24.0 11.0 24.5 92.1 108.1 47.6 40.3 44.4 42.0 25.8 19.9 23.3 22.7 (6.9) (1.8) (11.4) (24.1) 1.3 12.8 8.1 16.6 15.4 16.8 15.7 8.1
Income Before Tax 33.4 24.0 11.0 24.5 92.1 108.1 47.6 40.3 44.4 42.0 25.8 19.9 23.3 22.7 (6.9) (1.8) (11.4) (24.1) 1.3 12.8 8.4 16.6 15.4 16.8 15.7 8.1
Income Tax Expense 7.0 5.3 1.7 5.0 21.3 27.0 11.7 9.5 18.5 16.5 9.2 7.2 8.6 (12.2) 0.6 0.1 (1.3) 2.3 (0.3) 4.7 2.9 7.5 4.9 5.7 4.8 2.7
Net Income 26.4 18.7 9.4 19.5 70.8 81.1 35.9 30.8 26.0 25.5 16.6 12.7 14.7 34.9 (7.5) (1.9) (10.1) (26.4) 1.6 8.1 5.4 9.1 10.6 11.1 10.8 5.3
Per Share Data
EPS (Basic) 1.48 1.01 0.47 0.89 2.98 3.32 1.38 1.12 0.95 0.94 0.57 0.38 0.43 1.02 -0.22 -0.05 -0.26 -0.79 0.05 0.22 0.15 0.25 0.29 0.30 0.29 0.14
EPS (Diluted) 1.48 1.01 0.46 0.89 2.96 3.30 1.37 1.11 0.93 0.93 0.56 0.38 0.43 1.02 -0.22 -0.05 -0.26 -0.79 0.05 0.22 0.15 0.25 0.29 0.30 0.29 0.14
Shares Outstanding 17.8 18.6 20.2 21.9 23.7 24.5 26.0 27.4 27.5 27.0 29.2 33.4 34.2 34.1 33.9 33.8 33.7 33.5 34.6 36.3 36.4 37.0 37.0 37.0 37.0 37.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000
Current Assets
Cash & Cash Equivalents 63.9 35.5 30.7 36.0 362.7 75.9 61.6 61.0 31.6 20.4 61.5 14.8 20.5 19.4 28.8 38.9 36.1
Short-Term Investments 170.4 155.8 204.9 196.6 179.0 159.6 178.5 185.7 199.7 226.8 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 1.1 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 234.2 191.2 235.8 292.3 586.9 293.1 271.3 269.2 251.4 272.1 78.3 29.8 27.9 26.7 28.8 38.9 36.1
Non-Current Assets
Property, Plant & Equipment 18.9 19.4 20.0 21.1 22.3 23.7 25.0 24.5 22.9 23.7 29.1 30.6 24.0 15.9 0 0 0
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0.7 1.8 3.4 1.6 6.0 0 0.1 0.9 2.3 0 0 0 0 0 0 0
Long-Term Investments 1,863.6 1,851.0 1,810.7 1,623.6 1,502.7 1,758.3 1,595.8 1,507.5 1,427.6 1,387.1 1,644.6 1,737.4 1,297.6 1,163.1 90.5 41.7 924.3
Other Non-Current Assets 142.8 147.2 145.1 91.2 102.4 103.5 104.3 114.2 104.5 107.7 116.2 87.7 36.7 34.3 0 0 18.2
Total Non-Current Assets 2,025.3 2,018.4 1,977.6 1,739.3 1,629.0 1,891.5 1,725.1 1,646.2 1,555.0 1,518.5 1,789.9 1,855.7 1,358.2 1,213.3 90.5 41.7 942.6
Total Assets 2,259.5 2,209.6 2,213.4 2,031.7 2,215.9 2,184.6 1,996.3 1,915.4 1,806.4 1,790.6 1,868.3 1,885.4 1,386.1 1,240.1 1,104.9 1,002.4 978.6
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 222.3 296.5 309 185.7 7.1 38.1 13.6 5.0 46.3 157.2 73.9 4.1 35 25 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1,437.3 1,359.9 1,192.7 1,200.1 1,233.4 1,184.9 1,067.8 1,038.5 967.4 949.4 1,164.9 1,195.9 1,128.8 1,035.6 0 0 863.2
Total Current Liabilities 1,659.5 1,656.4 1,501.7 1,385.8 1,240.5 1,222.9 1,081.3 1,043.5 1,013.7 1,106.6 1,238.8 1,200.0 1,166.8 1,060.6 0 0 863.2
Non-Current Liabilities
Long-Term Debt 190 150 155 200 470 470 470 430 340 230 434.6 483.8 58.2 35 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 60.6 64.1 212.7 75.4 72.6 78.5 51.3 42.2 40.6 43.4 26.3 30.4 24.4 21.7 80.8 57.1 22.7
Total Non-Current Liabilities 250.6 214.1 367.7 275.4 542.6 548.5 521.3 472.2 380.6 273.4 460.9 514.2 86.0 56.7 0 0 22.7
Total Liabilities 1,910.1 1,870.5 1,869.3 1,661.2 1,783.1 1,771.5 1,602.7 1,515.7 1,394.3 1,379.9 1,699.7 1,714.2 1,252.7 1,117.3 0 0 885.9
Stockholders' Equity
Common Stock 0.2 0.2 0.2 0.2 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0 0 0 0 0
Retained Earnings 293.0 277.2 269.6 274.2 273.4 245.3 197.4 187.2 183.4 184.6 110.9 119.9 134.0 124.9 0 0 0
Accumulated Other Comprehensive Income (12.3) (18.8) (17.8) (19.5) (1.1) 2.3 0.6 (2.4) (0.5) (0.4) (2.0) (6.4) 0 (2.1) 0 0 0
Total Stockholders' Equity 349.4 339.1 344.1 370.5 432.8 413.1 393.7 399.7 412.1 410.7 168.6 171.3 133.4 122.8 114.6 103.5 92.7
Total Liabilities & Equity 2,259.5 2,209.6 2,213.4 2,031.7 2,215.9 2,184.6 1,996.3 1,915.4 1,806.4 1,790.6 1,868.3 1,885.4 1,386.1 1,240.1 1,104.9 1,002.4 978.6
Debt Metrics
Total Debt 412.3 446.5 466.1 386.8 477.1 508.1 483.6 435.0 386.3 387.2 508.5 487.9 96.6 60 0 0 0
Net Debt 348.4 411.1 435.4 350.8 114.4 432.2 422.0 374.0 354.7 366.8 447.0 473.0 76.1 40.6 (28.8) (38.9) (36.1)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003
Operating Activities
Net Income 26.4 18.7 9.4 19.5 70.8 81.1 35.9 30.8 26.0 25.5 5.4 9.1 10.6
Depreciation & Amortization 0 2.5 3.3 4.0 6.0 5.6 4.7 4.7 2.2 3.2 2.1 1.7 1.5
Stock-Based Compensation 0 0.3 0.3 0.6 0.7 0.7 1.1 1.8 3.9 3.5 0 0 0
Change in Working Capital 5.7 (1.7) (4.3) 3.3 (8.2) 1.4 (2.5) (2.4) (2.7) 2.5 1.7 1.0 0.4
Other Non-Cash Items (13.0) 27.3 (35.2) 179.7 71.2 (179.9) (80.1) 6.1 74.8 (60.5) 0.5 2.4 (1.2)
Operating Cash Flow 19.0 48.1 (27.6) 206.7 142.0 (93.6) (40.2) 41.5 107.1 (24.1) 9.8 13.1 11.2
Investing Activities
Capital Expenditure (1.2) (1.1) (0.7) (0.7) (0.8) (1.2) (3.1) (4.0) (1.6) (1.1) (2.3) (5.8) (5.1)
Acquisitions 0 0 0 0 0 0 0 (0.2) 0 0 0.8 0 0
Purchases of Investments 0 (35.4) (29.5) (90.0) (73.7) (29.5) 0 0 (23.0) (14.5) (56.4) (194.4) (203.2)
Sales/Maturities of Investments 0 31.0 24.9 50.7 49.5 50.5 8.1 10.4 16.1 14.9 16.7 46.8 58.4
Other Investing Activities (3.6) (18.5) (153.9) (295.8) 185.0 17.4 (6.1) (84.7) (86.5) 0 (88.1) 13.7 2.4
Investing Cash Flow (3.6) (24.0) (159.2) (335.7) 160.1 37.2 (1.2) (78.4) (94.9) (25.0) (129.3) (139.7) (147.5)
Financing Activities
Net Debt Issuance (34.3) (164.5) 224.3 (90.3) (30.9) 24.5 48.5 48.8 (0.9) (54.0) 108.0 33.2 126.9
Stock Repurchased (16.2) (14.9) (26.0) (47.8) (10.2) (36.2) (22.8) (19.2) (2.2) (3.9) (8.5) 0 0
Dividends Paid (10.8) (11.3) (15.4) (30.3) (30.4) (31.5) (26.0) (27.1) (27.0) (6.9) 0 0 0
Other Financing Activities 74.7 170.0 (6.3) (32.6) 51.4 120.1 29.8 71.9 19.2 60.7 (82.7) 94.6 0
Financing Cash Flow 15.9 (20.8) 176.6 (201.0) (20.1) 76.9 29.6 74.4 (10.8) (4.2) 115.6 127.7 126.9
Cash Position
Net Change in Cash 31.3 3.3 (10.2) (330.1) 282.0 20.5 (11.8) 37.5 1.4 (53.3) 0 1.1 (9.4)
Cash at Beginning 39.8 36.4 46.6 376.7 94.8 74.3 86.1 48.6 47.2 100.5 0 19.4 28.8
Cash at End 71.1 39.8 36.4 46.6 376.7 94.8 74.3 86.1 48.6 47.2 0 20.5 19.4
Free Cash Flow 17.9 47.0 (28.3) 206.0 141.2 (94.8) (43.3) 37.5 105.5 (25.1) 7.4 13.1 6.1
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Income Statement
Revenue 201.6 199.4 177.0 171.1 268.5 317.9 207.2 188.5 188.4 187.2 166.4 148.2 150.7 161.0 122.6 128.9 111.8 112.4 103.8 97.4 88.6 40.6 36.3 38.0 44.9 51.7
Gross Profit 143.6 132.5 127.3 156.8 258.1 286.5 180.6 170.1 173.2 166.6 141.4 124.7 122.5 124.8 67.7 62.8 30.5 11.7 30.0 41.5 0 3.3 3.0 3.0 2.1 1.7
Operating Income 33.4 24.0 11.0 24.5 92.1 108.1 47.6 40.3 44.4 42.0 25.8 19.9 23.3 22.7 (6.9) (1.8) (11.4) (24.1) 1.3 12.8 8.4 16.6 15.4 16.8 15.7 8.1
Net Income 26.4 18.7 9.4 19.5 70.8 81.1 35.9 30.8 26.0 25.5 16.6 12.7 14.7 34.9 (7.5) (1.9) (10.1) (26.4) 1.6 8.1 5.4 9.1 10.6 11.1 10.8 5.3
EPS (Diluted) 1.48 1.01 0.46 0.89 2.96 3.30 1.37 1.11 0.93 0.93 0.56 0.38 0.43 1.02 -0.22 -0.05 -0.26 -0.79 0.05 0.22 0.15 0.25 0.29 0.30 0.29 0.14
Balance Sheet
Cash & Equivalents 63.9 35.5 30.7 36.0 362.7 75.9 61.6 61.0 31.6 20.4 61.5 14.8 20.5 19.4 28.8 38.9 36.1
Total Assets 2,259.5 2,209.6 2,213.4 2,031.7 2,215.9 2,184.6 1,996.3 1,915.4 1,806.4 1,790.6 1,868.3 1,885.4 1,386.1 1,240.1 1,104.9 1,002.4 978.6
Total Debt 412.3 446.5 466.1 386.8 477.1 508.1 483.6 435.0 386.3 387.2 508.5 487.9 96.6 60 0 0 0
Stockholders' Equity 349.4 339.1 344.1 370.5 432.8 413.1 393.7 399.7 412.1 410.7 168.6 171.3 133.4 122.8 114.6 103.5 92.7
Cash Flow
Operating Cash Flow 19.0 48.1 (27.6) 206.7 142.0 (93.6) (40.2) 41.5 107.1 (24.1) 9.8 13.1 11.2
Capital Expenditure (1.2) (1.1) (0.7) (0.7) (0.8) (1.2) (3.1) (4.0) (1.6) (1.1) (2.3) (5.8) (5.1)
Free Cash Flow 17.9 47.0 (28.3) 206.0 141.2 (94.8) (43.3) 37.5 105.5 (25.1) 7.4 13.1 6.1