Waterstone Financial Inc. (WSBF)
Waterstone Financial Statistics
Share Statistics
Waterstone Financial has 19.32M shares outstanding. The number of shares has increased by -1.65% in one year.
| Shares Outstanding | 19.32M |
| Shares Change (YoY) | -1.65% |
| Shares Change (QoQ) | -0.28% |
| Owned by Institutions (%) | 53.11% |
| Shares Floating | 15.74M |
| Failed to Deliver (FTD) Shares | 186 |
| FTD / Avg. Volume | 0.38% |
Short Selling Information
The latest short interest is 112.88K, so 0.58% of the outstanding shares have been sold short.
| Short Interest | 112.88K |
| Short % of Shares Out | 0.58% |
| Short % of Float | 0.72% |
| Short Ratio (days to cover) | 2.01 |
Valuation Ratios
The PE ratio is 13.35 and the forward PE ratio is 13.43. Waterstone Financial's PEG ratio is 0.12.
| PE Ratio | 13.35 |
| Forward PE | 13.43 |
| PS Ratio | 2.2 |
| Forward PS | 1.7 |
| PB Ratio | 0.74 |
| P/FCF Ratio | 5.31 |
| PEG Ratio | 0.12 |
Enterprise Valuation
Waterstone Financial has an Enterprise Value (EV) of 657.76M.
| EV / Sales | 5.81 |
| EV / EBITDA | 0 |
| EV / EBIT | 13.69 |
| EV / FCF | 14.01 |
Financial Position
The company has a current ratio of 6.49, with a Debt / Equity ratio of 1.31.
| Current Ratio | 6.49 |
| Quick Ratio | 6.49 |
| Debt / Equity | 1.31 |
| Debt / EBITDA | - |
| Debt / FCF | 9.44 |
| Interest Coverage | 1.59 |
Financial Efficiency
Return on Equity is 5.51% and Return on Invested Capital is 4.3%.
| Return on Equity | 5.51% |
| Return on Assets | 0.85% |
| Return on Invested Capital | 4.3% |
| Revenue Per Employee | $188.61K |
| Profits Per Employee | $31.15K |
| Employee Count | 600 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 5.31M |
| Effective Tax Rate | 22.14% |
Stock Price Statistics
The stock price has increased by 17.45% in the last 52 weeks. The beta is 0.66, so Waterstone Financial's price volatility has been higher than the market average.
| Beta | 0.66 |
| 52-Week Price Change | 17.45% |
| 50-Day Moving Average | 13.81 |
| 200-Day Moving Average | 14.18 |
| Relative Strength Index (RSI) | 41.9 |
| Average Volume (20 Days) | 48.8K |
Income Statement
In the last 12 months, Waterstone Financial had revenue of 113.17M and earned 18.69M in profits. Earnings per share was 1.01.
| Revenue | 113.17M |
| Gross Profit | 113.17M |
| Operating Income | 106.43M |
| Net Income | 18.69M |
| EBITDA | 0 |
| EBIT | -2.47M |
| Earnings Per Share (EPS) | 1.01 |
Balance Sheet
The company has 35.18M in cash and 443.55M in debt, giving a net cash position of -408.37M.
| Cash & Cash Equivalents | 35.18M |
| Total Debt | 443.55M |
| Net Cash | -408.37M |
| Retained Earnings | 277.2M |
| Total Assets | 2.21B |
| Working Capital | 191.24M |
Cash Flow
In the last 12 months, operating cash flow was 48.06M and capital expenditures 0, giving a free cash flow of 46.96M.
| Operating Cash Flow | 48.06M |
| Capital Expenditures | 0 |
| Free Cash Flow | 46.96M |
| FCF Per Share | 2.53 |
Margins
Gross margin is 100%, with operating and profit margins of 94.05% and 16.51%.
| Gross Margin | 100% |
| Operating Margin | 94.05% |
| Pretax Margin | 21.21% |
| Profit Margin | 16.51% |
| EBITDA Margin | n/a |
| EBIT Margin | 94.05% |
| FCF Margin | 41.5% |
Dividends & Yields
WSBF pays an annual dividend of $0.75, which amounts to a dividend yield of 4.47%.
| Dividend Per Share | $0.75 |
| Dividend Yield | 4.47% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 74.26% |
| Earnings Yield | 7.49% |
| FCF Yield | 18.83% |
Analyst Forecast
Currently there are no analyst rating for WSBF.
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
Stock Splits
The last stock split was on Jan 23, 2014. It was a forward split with a ratio of 2743:2500.
| Last Split Date | Jan 23, 2014 |
| Split Type | forward |
| Split Ratio | 2743:2500 |
Scores
| Altman Z-Score | 0.46 |
| Piotroski F-Score | 7 |