Waterstone Financial (WSBF) Stock Analysis & Winston Score

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,

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+12.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+105.9% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

17.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~6 years

$39M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$39M cash & investments at current burn rate

Growth context

Waterstone Financial is growing revenue at 12% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

71.9%

Premium pricing power — 71.9% gross margin

Operating Margin

15.3%

Healthy — 15.3% operating margin

ROCE

1.0%

Weak — 1.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+5.5%

Slow sales growth (5.5% YoY)

EPS YoY

+62.7%

Earnings growing fast (62.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

-11%

Weak — only -11% of profit becomes cash

FCF Margin

-2.5%

Burning cash (-2.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

1.19

Elevated debt (1.19)

Interest Cover

0.64x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

11.9x

no trend

Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

3.01%

no trend

Moderate income — 3.01% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+6.7%

no trend

Dividend growing modestly (6.7% YoY)

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