Waterstone Financial Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $143.3M+5.7% YoYTTM through 30 Jun 2026
Net Income $30.1M+61.1% YoYTTM through 30 Jun 2026
Free Cash Flow $42.8MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 23.3% |
| Net Margin | 18.4% |
Returns
7.6%ROE
1.2%ROA
4.3%ROIC
Balance Sheet Health
Debt / Equity1.18x
Net Debt$341.2M
Cash & Equivalents$71.1M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin29.8%
Earnings-Beat Rate33.3%
Multi-Year Trend
Diluted EPS$1.73TTMFY2025: $1.48
Dividend
$0.62Per share, FY20263.30%Yield-6.3%5-yr growth
Capital Allocation
Capex Intensity1.4%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Community Banking | View detailsManagement expects continued benefit from net interest margin expansion and commercial loan growth. | ||
| Mortgage Banking | View detailsPositioned to take advantage of improvements in the mortgage market despite housing inventory and rate challenges. |
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