Waterstone Financial, Inc. WSBF NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score

61/100

3/7 Pass

SharesGrow Intrinsic Value

$28.65

+54.4%

SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Waterstone Financial, Inc. (WSBF) trades at a trailing P/E of 12.4. Trailing earnings yield is 8.07%. PEG 0.27 (Peter Lynch undervalued ≤1.0). Graham Number is $25.54.

Criteria proven by this page:

VALUE (77/100, Pass) — P/E is below market average (12.4); PEG ≤ 1.0 — Peter Lynch undervalued (0.27); earnings yield beats bond yields (8.07%).
PEG Ratio 0.27 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
Trailing Earnings Yield 8.07% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 61/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score

61/100

SG Score

View full scorecard →

✓

VALUE

77/100

Price-to-Earnings & upside

Proven by this page

✗

FUTURE

20/100

Analyst consensus

→ Forecast

✓

PAST

100/100

→ Income

HEALTH

50/100

Debt-to-Equity & liquidity

→ Health

✗

MOAT

43/100

→ Income

✓

GROWTH

83/100

→ Income

INCOME

55/100

→ Income

Valuation Snapshot — WSBF

Valuation Multiples

P/E (TTM)12.4

Forward P/EN/A

PEG Ratio0.27

Forward PEGN/A

P/B Ratio0.94

P/S Ratio1.68

EV/EBITDA20.6

Per Share Data

EPS (TTM)$1.48

Book Value / Share$19.59

Revenue / Share$11.30

FCF / Share$0.03

Yields & Fair Value

Earnings Yield8.07%

Dividend Yield3.38%

Graham Number$25.54

SharesGrow IV$28.65 (+54.4%)

Historical Valuation

Year	P/E (TTM)	PEG Ratio	P/B Ratio	P/S Ratio	Dividend Yield
2016	19.5	0.30	1.21	2.66	1.39%
2017	18.0	16.95	1.14	2.49	5.76%
2018	14.9	0.83	1.15	2.43	5.90%
2019	13.8	0.59	1.26	2.39	5.24%
2020	5.7	0.04	1.11	1.45	6.85%
2021	7.3	-0.72	1.20	1.93	5.86%
2022	19.4	-0.28	1.02	2.21	8.02%
2023	30.5	-0.65	0.83	1.62	5.37%
2024	13.3	0.12	0.74	1.25	4.52%
2025	11.2	0.24	0.84	1.46	3.65%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year	EPS (Diluted)	Revenue	Net Income	Net Margin
2016	$0.93	$187.23M	$25.53M	13.6%
2017	$0.93	$188.45M	$25.96M	13.8%
2018	$1.11	$188.53M	$30.75M	16.3%
2019	$1.37	$207.2M	$35.9M	17.3%
2020	$3.30	$317.86M	$81.15M	25.5%
2021	$2.96	$268.47M	$70.79M	26.4%
2022	$0.89	$171.06M	$19.49M	11.4%
2023	$0.46	$176.97M	$9.38M	5.3%
2024	$1.01	$199.38M	$18.69M	9.4%
2025	$1.48	$201.61M	$26.4M	13.1%