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About the company
Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank SSB (the Bank). The Bank offers a comprehensive suite of personal and business banking products and operates approximately 14 branch locations across southeastern Wisconsin. Its segments include community banking and mortgage banking. The community banking segment provides consumer and business banking products and services to customers. Consumer products include loan products, deposit products, and personal investment services. Business banking products include loans for working capital, inventory and general corporate use, commercial real estate construction loans, and deposit accounts. The mortgage banking segment operates through Waterstone Mortgage Corporation, which consists of originating residential mortgage loans primarily for sale in the secondary market. It has nine branch offices in Milwaukee County, four branch offices in Waukesha County and one branch office in Washington County.
- Revenue in USD (TTM)116.11m
- Net income in USD26.40m
- Incorporated2013
- Employees600.00
- LocationWaterstone Financial Inc11200 W Plank CtWAUWATOSA 53226-3250United StatesUSA
- Phone+1 (414) 761-1000
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FVCBankcorp Inc | 104.74m | 22.06m | 282.92m | 110.00 | 13.07 | 1.12 | 16.97 | 4.20 | 1.21 | 1.21 | 3.69 | 14.15 | -- | -- | -- | -- | 0.9823 | 0.7992 | -- | -- | -- | -- | 32.72 | 29.59 | -- | -- | -- | -- | -43.72 | -1.01 | 46.42 | 7.31 | -- | -- |
| Western New England Bancorp Inc | 118.62m | 15.27m | 284.81m | 286.00 | 18.58 | 1.15 | 23.84 | 3.55 | 0.7525 | 0.7525 | 3.94 | 12.16 | -- | -- | -- | -- | 0.5666 | 0.7122 | -- | -- | -- | -- | 19.06 | 22.47 | -- | -- | -- | 30.00 | 8.00 | 7.44 | 30.88 | 6.37 | -- | 6.96 |
| Cashmere Valley Bank | 100.38m | 29.23m | 288.77m | -- | 9.89 | 1.06 | -- | 3.20 | 7.47 | 7.47 | 23.09 | 69.43 | -- | -- | -- | -- | 1.34 | 1.33 | -- | -- | -- | -- | 32.53 | 35.15 | -- | -- | -- | 26.32 | 6.86 | 13.36 | 3.79 | 2.75 | -- | -- |
| Blue Foundry Bancorp | 92.07m | -9.20m | 300.41m | 184.00 | -- | 0.9555 | -- | 6.58 | -0.4557 | -0.4557 | 2.27 | 15.14 | -- | -- | -- | -- | -0.4372 | -0.856 | -- | -- | -- | -- | -20.15 | -37.96 | -- | -- | -- | -- | 8.02 | 5.68 | -61.02 | -- | -42.38 | -- |
| Chemung Financial Corp | -100.00bn | -100.00bn | 300.85m | 343.00 | -- | 1.18 | -- | -- | -- | -- | -- | 52.97 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Coastalsouth Bancshares Inc | 129.26m | 24.89m | 303.58m | 53.00 | 11.73 | 1.17 | 41.88 | 2.35 | 2.16 | 2.16 | 11.25 | 21.66 | 0.0587 | -- | -- | -- | 1.13 | 1.09 | 8.54 | 7.93 | -- | -- | 19.26 | 21.29 | -- | 1.58 | 0.886 | -- | 5.95 | 26.51 | 13.64 | 31.34 | -- | -- |
| FS Bancorp Inc | -100.00bn | -100.00bn | 307.81m | 580.00 | -- | 1.02 | -- | -- | -- | -- | -- | 40.83 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Citizens Financial Services Inc | 159.17m | 36.57m | 311.26m | 410.00 | 8.50 | 0.9207 | 11.32 | 2.77 | 7.62 | 7.62 | 23.41 | 70.32 | -- | -- | -- | -- | 1.20 | 1.08 | -- | -- | -- | -- | 32.55 | 30.10 | -- | -- | -- | -- | 3.14 | 17.76 | 31.47 | 7.82 | -- | -- |
| Waterstone Financial Inc | 116.11m | 26.40m | 328.46m | 600.00 | 12.05 | 0.9401 | 15.98 | 2.31 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 54.48 | 2.60 | 8.15 | 41.28 | -20.11 | -- | 4.56 |
| PCB Bancorp | -100.00bn | -100.00bn | 332.71m | 270.00 | -- | 1.04 | -- | -- | -- | -- | -- | 27.41 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Avidbank Holdings Inc | -100.00bn | -100.00bn | 333.91m | 143.00 | -- | 1.22 | -- | -- | -- | -- | -- | 25.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.97 | -- | 25.08 | -- | -- | -- |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 341.13m | 136.00 | 7.49 | 0.9699 | 9.89 | 3.25 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 354.60m | 199.00 | 14.98 | -- | 14.08 | 3.93 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| MVB Financial Corp | 172.89m | 32.16m | 361.42m | 453.00 | 11.69 | 1.10 | 10.28 | 2.07 | 2.46 | 2.46 | 13.32 | 26.07 | -- | -- | -- | -- | 0.9662 | 0.9218 | -- | -- | -- | -- | 18.39 | 17.78 | -- | -- | -- | 27.73 | -2.09 | 17.68 | -10.51 | -5.09 | -4.52 | 28.38 |
| Commercial BancGroup Inc | -100.00bn | -100.00bn | 363.00m | 195.00 | -- | 1.32 | -- | -- | -- | -- | -- | 20.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20.05 | -- | 2.34 | -- | -- | -- |
| Pioneer Bancorp Inc | 105.59m | 19.84m | 365.17m | 255.00 | 18.16 | 1.16 | 16.43 | 3.91 | 0.8017 | 0.8017 | 3.78 | 12.53 | -- | -- | -- | -- | 0.9317 | -- | -- | -- | -- | -- | 21.21 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
Data as of Feb 11 2026. Currency figures normalised to Waterstone Financial Inc's reporting currency: US Dollar USD
34.09%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 1.38m | 7.47% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 1.37m | 7.44% |
| Renaissance Technologies LLCas of 30 Sep 2025 | 1.15m | 6.24% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 785.94k | 4.26% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 423.29k | 2.29% |
| Geode Capital Management LLCas of 30 Sep 2025 | 383.75k | 2.08% |
| Bridgeway Capital Management LLCas of 30 Sep 2025 | 245.76k | 1.33% |
| CSM Advisors LLCas of 30 Sep 2025 | 191.01k | 1.04% |
| Arrowstreet Capital LPas of 30 Sep 2025 | 190.77k | 1.03% |
| American Century Investment Management, Inc.as of 30 Sep 2025 | 166.98k | 0.91% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
