Waterstone Financial, Inc. (WSBF) is a Banks - Regional company in the Financial Services sector, currently trading at $18.56. It has a SharesGrow Score of 61/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of WSBF = $28.65 (+54.4% from the current price, the stock appears undervalued).
Valuation: WSBF trades at a trailing Price-to-Earnings (P/E) of 12.4 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.02.
Financials: revenue is $202M, +5.7%/yr average growth. Net income is $26M, growing at +29.6%/yr. Net profit margin is 13.1% (healthy). Gross margin is 71.2% (-20.5 pp trend).
Balance sheet: total debt is $412M against $349M equity (Debt-to-Equity (D/E) ratio 1.18, moderate). Current ratio is 8.78 (strong liquidity). Debt-to-assets is 18.2%. Total assets: $2.3B.
Analyst outlook: 0 / 2 analysts rate WSBF as buy (0%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 77/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 43/100 (Fail), Future 20/100 (Fail), Income 55/100 (Partial).
