ScoreWhy is Waterstone Financial, Inc. ?
1
High Management Efficiency with a high ROA of 1.47%
2
The Bank has a high Capital Adequacy Ratio of 23.29% signifying high buffers against its risk based assets
3
The company has declared Positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD -8.37 MM
- NET PROFIT(HY) At USD 13.71 MM has Grown at 66.26%
- ROCE(HY) Highest at 1.33%
4
With ROA of 0.74%, it has a very attractive valuation with a 0.95 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 43.25%, its profits have risen by 41.3% ; the PEG ratio of the company is 0.3
- At the current price, the company has a high dividend yield of 288.9
5
High Institutional Holdings at 57.4%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.95% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 43.25% in the last 1 year, much higher than market (S&P 500) returns of 25.41%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Waterstone Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Waterstone Financial, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Waterstone Financial, Inc.
43.25%
2.58
23.32%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.15%
EBIT Growth (5y)
-19.65%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.60%
Pledged Shares
0
Institutional Holding
57.40%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.95
EV to EBIT
15.85
EV to EBITDA
14.97
EV to Capital Employed
0.97
EV to Sales
4.31
PEG Ratio
0.26
Dividend Yield
288.91%
ROCE (Latest)
6.10%
ROE (Latest)
7.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD -8.37 MM
NET PROFIT(HY)
At USD 13.71 MM has Grown at 66.26%
ROCE(HY)
Highest at 1.33%
-4What is not working for the Company
ROCE(HY)
Lowest at 1.33%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 49.4%
CREDIT DEPOSIT RATIO(HY)
Lowest at 117.06%
Here's what is working for Waterstone Financial, Inc.
Operating Cash Flow
Highest at USD -8.37 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
At USD 13.71 MM has Grown at 66.26%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for Waterstone Financial, Inc.
Credit Deposit Ratio
Lowest at 117.06%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 49.4%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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