Waterstone Financial Inc chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 8.26
Dividend & Yield0.80$ (4.79%)
Beta 0.49
Market capitalization 366.81M
Operating cash flow 165.98M
ESG Scores unknown

Company description

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, including checking accounts, online banking and bill pay services, money transfer services, as well as credit, debit, and pre-paid cards; investable funds solutions comprising savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. The company also invests in a portfolio of securities include mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage and municipal obligations, and other debt securities. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.

Sector: Financial Services - Industry: Banks—Regional

Financial data

Diluted earning per share

Net income vs Operating income

Asset vs Liabilities

Similar Companies
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Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities
Total Cashflows From Investing Activities -78.44M -1.15M 37.19M 147.62M
Net Borrowings 48.76M 48.52M 24.51M -30.95M
Total Cash From Financing Activities 74.43M 29.57M 76.86M -20.12M
Change To Operating Activities -794k -2.6M 14.42M -17.48M
Issuance Of Stock 1.3M 659k 3.7M 2.31M
Net Income 30.75M 35.9M 81.14M 70.79M
Change In Cash 37.49M -11.8M 20.47M 281.95M
Effect Of Exchange Rate
Total Cash From Operating Activities 41.5M -40.22M -93.58M 154.45M
Depreciation 4.73M 4.7M 5.61M 6.05M
Change To Account Receivables
Other Cashflows From Financing Activities 70.61M 29.12M 116.4M 49.09M
Change To Netincome 8.41M -78.36M -186.03M 90.03M
Capital Expenditures -3.96M -3.11M -1.23M -778k

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 40.28M 47.57M 108.12M 92.11M
Net Income 30.75M 35.9M 81.14M 70.79M
Selling General Administrative 119.49M 124.8M 166.35M 154.79M
Gross Profit 173.44M 183.85M 291.18M 262.7M
Ebit
Operating Income 40.28M 47.43M 108.11M 92.11M
Interest Expense
Income Tax Expense 9.53M 11.67M 26.97M 21.32M
Total Revenue 173.44M 183.85M 291.18M 262.7M
Cost Of Revenue
Total Other Income ExpenseNet -1k 146k 8k -3k
Net Income From Continuing Ops 30.75M 35.9M 81.14M 70.79M
Net Income Applicable To Common Shares 30.75M 35.9M 81.14M 70.79M

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 1.52B 1.6B 1.77B 1.78B
Total Stockholder Equity 399.68M 393.69M 413.12M 432.77M
Other Current Liabilities
Total Assets 1.92B 2B 2.18B 2.22B
Common Stock 285k 271k 251k 248k
Other Current Assets 141.62M 220.12M 402M 312.74M
Retained Earnings 187.15M 197.39M 245.29M 273.4M
Treasury Stock -20.16M -15.97M -13.1M -15.38M
Cash 86.1M 74.3M 94.77M 376.72M
Total Current Liabilities 1.04B 1.08B 1.23B 1.24B
Other Stockholder Equity -20.16M -15.97M -13.1M -15.38M
Property, Plant, and Equipment 24.52M 25.03M 23.72M 28.07M
Total Current Assets 247.05M 322.69M 543.26M 722.08M
Net Tangible Assets 399.68M 393.69M 413.12M 432.77M
Net Receivables
Accounts Payable 1.04B 1.07B 1.18B 1.23B


Insider Transactions

Here are the insider transactions of stock shares related to Waterstone Financial Inc:

Filer Name Transaction Text Ownership Date Filer Relation Shares
HANSEN MICHAEL LSale at price 19.60 - 19.82 per share.D2022-03-14Director12.5k
HANSEN MICHAEL LConversion of Exercise of derivative security at price 12.75 per share.D2022-03-14Director12.5k
DALUM THOMAS EStock Gift at price 21.84 per share.D2021-12-28Director25k
DALUM THOMAS ESale at price 21.75 - 21.79 per share.D2021-11-23Director853
DALUM THOMAS EConversion of Exercise of derivative security at price 12.75 per share.D2021-11-23Director853
DALUM THOMAS ESale at price 21.50 - 21.77 per share.D2021-11-22Director14.19k
DALUM THOMAS EConversion of Exercise of derivative security at price 12.75 per share.D2021-11-22Director19.93k
DALUM THOMAS ESale at price 21.75 - 21.85 per share.D2021-11-22Director5.74k
BRUSS WILLIAM FSale at price 20.00 - 20.20 per share.D2021-06-03Chief Operating Officer24.33k
BRUSS WILLIAM FConversion of Exercise of derivative security at price 12.75 per share.D2021-06-03Chief Operating Officer24.33k
BRUSS WILLIAM FSale at price 20.00 - 20.18 per share.D2021-05-18Chief Operating Officer5.67k
BRUSS WILLIAM FConversion of Exercise of derivative security at price 12.75 per share.D2021-05-18Chief Operating Officer5.67k
BARTEL ELLEN SYBURGSale at price 20.50 - 20.67 per share.D2021-03-10Director2.5k
HANSEN MICHAEL LSale at price 20.63 - 20.93 per share.D2021-03-08Director11.7k
HANSEN MICHAEL LConversion of Exercise of derivative security at price 12.75 per share.D2021-03-08Director12.5k
HANSEN MICHAEL LSale at price 20.94 - 20.96 per share.D2021-03-08Director800
BARTEL ELLEN SYBURGSale at price 20.63 - 20.95 per share.D2021-03-08Director12.5k
BARTEL ELLEN SYBURGConversion of Exercise of derivative security at price 12.75 per share.D2021-03-08Director12.5k
GERKE MARK RAYMONDSale at price 20.52 - 20.69 per share.D2021-03-03Chief Financial Officer7.6k
GERKE MARK RAYMONDConversion of Exercise of derivative security at price 12.75 per share.D2021-03-03Chief Financial Officer5k
GERKE MARK RAYMONDSale at price 20.70 - 20.73 per share.D2021-03-03Chief Financial Officer897
HANSEN MICHAEL LSale at price 19.40 - 19.52 per share.D2021-03-01Director56.34k
HANSEN MICHAEL LConversion of Exercise of derivative security at price 12.75 per share.D2021-03-01Director62.5k
HANSEN MICHAEL LSale at price 19.53 - 19.60 per share.D2021-03-01Director6.16k
BARTEL ELLEN SYBURGSale at price 18.50 - 18.85 per share.D2020-12-28Director42.22k
BARTEL ELLEN SYBURGConversion of Exercise of derivative security at price 12.75 per share.D2020-12-28Director42.22k
LAWTON PATRICK SStock Gift at price 0.00 per share.D2020-12-23Director201.93k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to Waterstone Financial Inc. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on Waterstone Financial Inc

Here is the result of two systematic investment strategies applied to Waterstone Financial Inc. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on Waterstone Financial Inc

The following chart shows the equity curve of the two systematic investment strategies applied to Waterstone Financial Inc:

Waterstone Financial Inc automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 14.07% on the backtest period.

Performance at glance

Performance

14.07 %

Latent gain

313.83 $

Invested capital

2231.25 $

Annualized return

3.4 %
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Momentum strategy results on Waterstone Financial Inc

This is the result of two momentum investment strategies applied to Waterstone Financial Inc. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on Waterstone Financial Inc

The following chart shows all the entries opened by the momentum investment system on Waterstone Financial Inc:

Waterstone Financial Inc momentum entries
  • The first momentum investment strategy would give 20.59% of return on Waterstone Financial Inc. That represents 1440.32$ of latent gain with 6996.52$ of employed capital.
  • The second momentum investment strategy would give 21.2% of return on Waterstone Financial Inc. That represents 1009.7$ of latent gain with 4761.82$ of employed capital.
Performance at glance (1Q Momentum)

Performance

20.59 %

Latent gain

1440.32 $

Invested capital

6996.52 $

Annualized return

6.22 %
Performance at glance (2Q Momentum)

Performance

21.2 %

Latent gain

1009.7 $

Invested capital

4761.82 $

Annualized return

5.79 %

Momentum equity curve on Waterstone Financial Inc

The following chart shows the equity curve of the two momentum strategies applied to Waterstone Financial Inc:

Waterstone Financial Inc momentum equity

Note: the dividends potentially given by Waterstone Financial Inc are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Waterstone Financial Inc

The following chart shows the employed capital evolution of the two momentum strategies on Waterstone Financial Inc since the beginning:

Waterstone Financial Inc

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on Waterstone Financial Inc

Buy the dip entry openings on Waterstone Financial Inc

Waterstone Financial Inc

The performance achieved by the robo-advisor on Waterstone Financial Inc is 13.32%. That represents 65.94$ of latent gain with 495.18$ of employed capital. The following chart shows Waterstone Financial Inc stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of Waterstone Financial Inc, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

13.32 %

Latent gain

65.94 $

Invested capital

495.18 $

Annualized return

6.22 %

Equity curve of the strategy applied to Waterstone Financial Inc

The following chart shows the result of the investment strategy applied to Waterstone Financial Inc:

Waterstone Financial Inc

Note: the dividends potentially given by Waterstone Financial Inc are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Waterstone Financial Inc

The following chart shows the employed capital evolution since the beginning of the investment strategy on Waterstone Financial Inc:

Waterstone Financial Inc

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on Waterstone Financial Inc

In this section, I will compare the three previous investment strategies applied to Waterstone Financial Inc.

Equity curve comparison on Waterstone Financial Inc

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

Waterstone Financial Inc investment strategy comparison

Employed capital comparison on Waterstone Financial Inc

Waterstone Financial Inc investment comparison

Performance comparison on Waterstone Financial Inc

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 14.07% 313.83$ 2231.25$ 3.4%
Momentum 1 quarter 20.59% 1440.32$ 6996.52$ 5.28%
Momentum 2 quarters 21.2% 1009.7$ 4761.82$ 5.79%
Non-directional 13.32% 65.94$ 495.18$ 6.22%
Annualized return comparison

Automatic investment

3.4 %

Momentum 1Q

5.79 %

Momentum 2Q

5.79 %

Non-directional

6.22 %

Correlated stocks

Here are the most positively and negatively correlated stocks with Waterstone Financial Inc:

Positive correlations

Most correlated stocks this year

  • Waterstone Financial Inc

  • Most correlated stocks last 3 months

  • Investors Title Company
  • Waterstone Financial Inc
  • CHINA 33MEDIA
  • Cambridge Bancorp
  • Great Elm Capital Corp
  • Organogenesis Holdings Inc - Class A
  • Signet Jewelers Ltd
  • American National Bankshares Inc
  • Northrim Bancorp Inc
  • HNI Corp
  • Preformed Line Products Company
  • NL Industries Inc
  • Party City Holdco Inc
  • National Cinemedia Inc
  • BlackRock Capital Investment Corp
  • Merchants Bancorp
  • Northwest Bancshares Inc
  • Live Oak Bancshares Inc
  • Peapack-Gladstone Financial Corp
  • H&R Block Inc
  • South Jersey Industries Inc
  • Crown Crafts Inc
  • CNO Financial Group Inc
  • Dave & Buster`s Entertainment Inc
  • Designer Brands Inc - Class A
  • Entravision Communications Corp - Class A
  • Invacare Corp
  • Tenneco Inc - Class A
  • Evogene Ltd
  • Service Properties Trust
  • Ebix Inc
  • Extreme Networks Inc
  • Cadence Bancorporation - Class A
  • Carlisle Companies Inc
  • Albany International Corp - Class A
  • OneMain Holdings Inc
  • Watts Water Technologies Inc - Class A
  • Southern First Bancshares Inc
  • Pathward Financial Inc
  • Synchrony Financial
  • EchoStar Corp - Class A
  • Ryman Hospitality Properties Inc
  • U.S. Silica Holdings Inc
  • Helix Energy Solutions Group Inc
  • Ducommun Inc
  • EDAP TMS S.A.
  • Dillard`s Inc - Class A
  • Select Energy Services Inc - Class A
  • First Northwest Bancorp
  • Cumulus Media Inc - Class A
  • Southern Missouri Bancorp Inc
  • Estee Lauder Cos. Inc - Class A
  • THARISA PLC ORD USD0.001 (DI)
  • Golden Entertainment Inc
  • Avid Technology Inc
  • PlayAGS Inc
  • Golar Lng
  • Global X SuperDividend REIT ETF
  • UBS AG London Branch
  • Sysco Corp
  • iStar Inc
  • Glaukos Corporation
  • Grupo Aeroportuario Del Pacifico SAB de CV
  • PARK LAWN CORPORATION

  • Negative correlation

    Most negatively correlated stocks this year


    Most negatively correlated stocks last 3 months


    Note: The algorithm computes the probability of correlation between Waterstone Financial Inc and the other stocks. There may be false positives or some missing correlated stocks. If the price of Waterstone Financial Inc does not vary for 36 weeks, the correlation calculation result will be wrong.


    Company information

    Company name Waterstone Financial Inc
    Country United States
    City Wauwatosa
    Address 11200 West Plank Court
    Phone 414 761 1000
    Website www.wsbonline.com
    FullTime employees 870
    Industry Banks—Regional
    Sector Financial Services
    Exchange XNAS
    Ticker WSBF
    Market www.nasdaq.com

    Waterstone Financial Inc ESG Scores

    Environment scores

    Environment ESG Factors Scores
    Environment Score 0
    Peer Environment Performance unknown
    Environment Percentile unknown
    Palm Oil unknown
    Nuclear unknown
    Fur Leather unknown
    GMO unknown
    Coal unknown
    Pesticides unknown
    Animal Testing unknown

    Social scores

    Social ESG Factors Scores
    Social Score 0
    Peer Social Performance unknown
    Social Percentile unknown
    Highest Controversy unknown
    Peer Highest Controversy Performance unknown
    Adult unknown
    Gambling unknown
    Alcoholic unknown
    Tobacco unknown
    Catholic unknown
    Controversial Weapons unknown
    Small Arms unknown
    Military Contract unknown
    Peer Count unknown

    Related Controversy:


    Governance scores

    Governance ESG Factors Scores
    Governance Score 0
    Peer Governance Performance unknown
    Governance Percentile unknown

    ESG at glance
    Total ESG Scores: unknown
    Environment Score: 0
    Social Score: 0
    Governance Score: 0

    ESG Performance: unknown

    Peer Group: unknown

    Peer Esg Score Performance: unknown

    Rating Year: unknown

    Rating Month: unknown

    Max Age: unknown

    Percentile: unknown