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
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 21.01 MM
- NET PROFIT(HY) At USD 15.64 MM has Grown at 57.37%
- ROCE(HY) Highest at 1.18%
4
With ROA of 1.08%, it has a fair valuation with a 0.93 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 28.89%, 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 296.6
5
High Institutional Holdings at 56.45%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating Performance
- The stock has generated a return of 28.89% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
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.
32.22%
1.93
25.04%
S&P 500
14.9%
0.77
19.29%
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
40.54%
Pledged Shares
0
Institutional Holding
56.45%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.93
EV to EBIT
15.84
EV to EBITDA
14.96
EV to Capital Employed
0.95
EV to Sales
4.31
PEG Ratio
0.25
Dividend Yield
296.61%
ROCE (Latest)
6.01%
ROE (Latest)
7.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 21.01 MM
NET PROFIT(HY)
At USD 15.64 MM has Grown at 57.37%
ROCE(HY)
Highest at 1.18%
NII(Q)
Highest at USD 15.71 MM
NET SALES(Q)
Highest at USD 30.11 MM
OPERATING PROFIT(Q)
Highest at USD 10.05 MM
PRE-TAX PROFIT(Q)
Highest at USD 10.05 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 1.18%
CREDIT DEPOSIT RATIO(HY)
Lowest at 116.58%
Here's what is working for Waterstone Financial, Inc.
Operating Cash Flow
Highest at USD 21.01 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)
NII
Highest at USD 15.71 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 15.64 MM has Grown at 57.37%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 30.11 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 10.05 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 10.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Here's what is not working for Waterstone Financial, Inc.
Credit Deposit Ratio
Lowest at 116.58% and Fallen
In each half year 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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