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
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD -25.99 MM
- ROCE(HY) Highest at 0.91%
- NII(Q) Highest at USD 13.71 MM
4
With ROA of 0.55%, it has a fair valuation with a 0.75 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 1.22%, its profits have risen by 82.2% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 499.9
5
High Institutional Holdings at 56.43%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 1.22% in the last 1 year, much lower than market (S&P 500) returns of 12.33%
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Waterstone Financial, Inc.
7.24%
1.23
25.73%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.48%
EBIT Growth (5y)
-14.20%
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
59.68%
Pledged Shares
0
Institutional Holding
56.43%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.75
EV to EBIT
22.01
EV to EBITDA
20.01
EV to Capital Employed
0.84
EV to Sales
4.06
PEG Ratio
0.15
Dividend Yield
499.92%
ROCE (Latest)
3.83%
ROE (Latest)
5.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD -25.99 MM
ROCE(HY)
Highest at 0.91%
NII(Q)
Highest at USD 13.71 MM
OPERATING PROFIT(Q)
Highest at USD 9.67 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.71 %
PRE-TAX PROFIT(Q)
Highest at USD 9.67 MM
NET PROFIT(Q)
Highest at USD 7.73 MM
EPS(Q)
Highest at USD 0.43
-5What is not working for the Company
ROCE(HY)
Lowest at 0.91%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 120.19%
Here's what is working for Waterstone Financial, Inc.
NII
Highest at USD 13.71 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD -25.99 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 9.67 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.71 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 9.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 9.67 MM has Grown at 67.32%
over average net sales of the previous four periods of USD 5.78 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 7.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 7.73 MM has Grown at 65.41%
over average net sales of the previous four periods of USD 4.67 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.43
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Waterstone Financial, Inc.
Non Performing Loans (%)
Highest at 0.49%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 120.19%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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