Waterstone Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Waterstone Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 12%
Sales fell 12% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-12% / +11%In 3 years sales changed by -12% while total assets changed by +11%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Waterstone Financial, Inc. owes $0.84 for every $1 it owns. Net profit rose 41% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.5Investors pay $11.5 for every $1 of Waterstone Financial, Inc.'s yearly profit, lower than 63% of Financial Services companies in United States.
P/B ratio
1.02The share price is 1.02 times Waterstone Financial, Inc.'s book value per share, lower than 70% of Financial Services companies in United States.
Market cap
$359 MThe total market value of all of Waterstone Financial, Inc.'s shares at today's price (share price × number of shares), smaller than 67% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$351 MWhat Waterstone Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.53Net worth divided by the number of shares. The share price of $19.95 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
8.7%Waterstone Financial, Inc. earned 8.7% on its shareholders' money over the last year, lower than 61% of Financial Services companies in United States.
Owes vs Owns
0.84×Waterstone Financial, Inc. owes $0.84 for every $1 it owns (high), higher than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.40%Waterstone Financial, Inc. pays 3.40% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Profit growth
+41%Net profit rose 41% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit margin
19.0%Waterstone Financial, Inc. keeps $19 of every $100 of revenue as net profit.
Questions
What is Waterstone Financial, Inc.'s P/E ratio?
Investors pay $11.5 for every $1 of Waterstone Financial, Inc.'s yearly profit, lower than 63% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Waterstone Financial, Inc.: $359 M ÷ $351 M (30 Jun 2026) = 1.0.
What is Waterstone Financial, Inc.'s return on equity?
Waterstone Financial, Inc. earned 8.7% on its shareholders' money over the last year, lower than 61% of Financial Services companies in United States.
How much does Waterstone Financial, Inc. owe compared with what it owns?
Waterstone Financial, Inc. owes $0.84 for every $1 it owns (high), higher than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Waterstone Financial, Inc. pay a dividend?
Yes. Waterstone Financial, Inc. pays 3.40% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Is Waterstone Financial, Inc.'s revenue growing?
Revenue rose 5% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.