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WSBFWSBFFinancial Services · Banks - Regional

WSBF Stock Forecast: Waterstone Financial, Inc. Price Predictions for 2026-2027

Last close, 14 Oct 2026
$20
−0.30% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 90 of 100 as at 14 Oct 2026 — among the strongest tenth.

Market cap
$356.7M
Ticker Nerd rank
90 / 100
Median analyst target
—
Analysts covering
1
Revenue$39.4M+5.9% y/y
Net income$8.5M
Free cash flow$9.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+1.3%
1M
−6.0%
YTD
+23.5%
1Y
+36.1%
From 52W high
−7.6%
From 52W low
+39.8%
$14
$21
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

WSBF stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Waterstone Financial, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 14 Oct 2026
90 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Momentum
99
Issuance
98
Volatility
94
Growth
85
Quality
81
Size
57
Accruals
57
Value
51
Revisions
25

Momentum (99): The shares have been drifting up relative to others.

Revisions (25): Analysts have, on balance, been cutting their forecasts.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

WSBF stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on WSBF, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$14$16$18$20$22Jan 26Apr 26Jul 26Oct 26WSBF

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says1 analysts
0 Buy1 Hold0 Sell
Recent analyst actionsNewest first
DateFirmActionRatingTarget
26 Feb 2021Piper SandlerDowngradeNeutral$21
29 July 2020Piper SandlerMaintainsOverweight—
31 Oct 2017Piper SandlerDowngradeHold—
31 Oct 2017Sandler O'NeillDowngradeHold—
2 Aug 2016Piper SandlerUpgradeBuy—
2 Aug 2016Sandler O'NeillUpgradeBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. WSBF appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

WSBF vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 14 Oct 2026, Waterstone Financial, Inc. returned +36.1% against +17.5% for the S&P 500, dividends included.

WSBF vs S&P 500, last 12 monthsTotal return, rebased to 100
100110120130140150Jan 26Apr 26Jul 26Oct 26WSBFS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

WSBF analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Fundamentals

Waterstone Financial, Inc. (WSBF) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
11.4×

Cheaper than 54% of US stocks

Price / sales
2.4×

Cheaper than 47% of US stocks

Price / book
1.0×

Cheaper than 70% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
5.2%

Higher than 39% of US stocks

Earnings growth (YoY)
9.5%

Higher than 47% of US stocks

Gross margin
—
Operating margin
26.6%

Higher than 85% of US stocks

Net margin
20.0%

Higher than 82% of US stocks

Returns & dividend
Return on equity
8.7%

Higher than 60% of US stocks

Return on assets
1.3%

Higher than 54% of US stocks

Dividend yield
3.4%

Higher than 88% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Waterstone Financial, Inc. (WSBF) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Waterstone Financial, Inc. has a market value of $356.7M and an enterprise value of $727.3M.

  • Revenue in the twelve months to 30 June 2026: $147.0M. The latest quarter grew 5.2% year on year.

  • Net income over the same four quarters: $30.1M, a 20.5% net margin.

  • Diluted earnings per share, trailing twelve months: $1.72.

  • Free cash flow in the twelve months to 30 June 2026: $42.8M.

  • Waterstone Financial, Inc. spent $14.6M on share buybacks and $10.8M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 18.0M.

  • Trailing P/E: 11.4×; forward P/E: 19.6× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.43%, paying out 36% of earnings.

  • Waterstone Financial, Inc. employs 593 people — $248K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Oct 2026

Data provided by Twelve Data

Peers

WSBF vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
WSBFWaterstone Financial, Inc.$356.7M
90
NWFLNorwood Financial Corp.$367.3M
72
BRBSBlue Ridge Bankshares, Inc. (Virginia)$355.3M
45
MVBFMVB Financial Corp.$374.2M
79
TSBKTimberland Bancorp, Inc. (Washington)$349.9M
75
FNLCThe First Bancorp, Inc. (Maine)$375.4M
69
CZFSCitizens Financial Services, Inc.$376.1M
75

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Waterstone Financial, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest WSBF news & analysis

4 Dividend Stocks With October Payout Deadlines Right Around the Corner

24/7 Wall Street · 7 Oct 2026neutral

The article notes that four dividend stocks have ex-dividend deadlines within the next 48 hours, including one whose eligibility ends at today's close. It flags yields, earnings coverage, and potential red flags but does not identify the stocks in the provided excerpt.

Why it matters — The excerpt does not establish whether Waterstone Financial is among the stocks discussed, so WSBF watchers have no company-specific dividend detail here.

WSBF vs. TSBK: Which Community Lender is the Better Buy?

Zacks Investment Research · 25 Sept 2026neutral

Zacks Investment Research published a comparative analysis of Waterstone Financial, Inc. (WSBF) and Timothy SchoolBanCorp (TSBK) as community lender investment options, noting that the U.S. savings and loan industry is operating under a mixed backdrop with elevated interest rates following the Federal Reserve's September 2026 rate hike, though loan demand is expected to remain resilient.

Why it matters — WSBF watchers would care because the report directly compares the company's positioning within the savings and loan industry's current mixed operating environment.

Waterstone Financial Declares Regular Quarterly Cash Dividend

GlobeNewsWire · 22 Sept 2026neutral

Waterstone Financial, Inc. (NASDAQ: WSBF) announced that its Board of Directors declared a regular quarterly cash dividend of $0.17 per common share. The announcement was made on September 22, 2026.

Why it matters — WSBF watchers would view this as confirmation of the company continuing its regular quarterly dividend payout to shareholders.

WSBF Surges 43% in a Year: Reason to Buy the Stock Now?

Zacks Investment Research · 3 Sept 2026positive

Waterstone Financial's stock has surged 43% over the past year, driven by improving margins, stronger mortgage volumes, loan growth, and solid credit quality that are strengthening the company's earnings outlook and financial flexibility.

Why it matters — A WSBF watcher would care because these fundamental improvements point to a stronger earnings outlook and greater financial flexibility for the company.

Waterstone Financial's Q2 Earnings Up Y/Y on Loan Yield Gains

Zacks Investment Research · 30 July 2026neutral

Waterstone Financial reported a year-over-year rise in Q2 earnings per share, driven by higher net interest income, improved margins, and strength in community banking, though mortgage banking was pressured by softer sales margins.

Why it matters — The mixed results highlight that while WSBF benefits from loan yield gains and community banking, headwinds in mortgage banking could weigh on future performance.

FAQ

Frequently asked questions about WSBF stock

Is WSBF stock a buy right now?

Of the 1 analysts covering Waterstone Financial, Inc., 0 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Waterstone Financial, Inc. 90 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank WSBF?

As at 14 Oct 2026, Waterstone Financial, Inc. ranks 90 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (99 of 100).

What is the WSBF stock forecast for 2030?

No analyst covering Waterstone Financial, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for WSBF are extrapolating price history, which says nothing about the business.

How has WSBF stock performed over the past year?

Waterstone Financial, Inc. returned +36.1% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Waterstone Financial, Inc. do?

Waterstone Financial Inc. is a bank holding company that oversees WaterStone Bank SSB and WaterStone Mortgage Corporation, providing community banking and mortgage banking services.

What is the latest news on WSBF?

The most recent item we track (24/7 Wall Street, 7 Oct 2026): "4 Dividend Stocks With October Payout Deadlines Right Around the Corner". The article notes that four dividend stocks have ex-dividend deadlines within the next 48 hours, including one whose eligibility ends at today's close. It flags yields, earnings coverage, and potential red flags but does not identify the stocks in the provided excerpt.

Company

About Waterstone Financial, Inc.

Waterstone Financial Inc. is a bank holding company that oversees WaterStone Bank SSB and WaterStone Mortgage Corporation, providing community banking and mortgage banking services. Through its banking operations, the company offers consumer and business deposit products, payment and card services, residential mortgages, home equity loans, personal loans, commercial real estate financing, and business lending solutions. Its mortgage business focuses on originating and servicing residential loans, while its community banking segment serves individuals, businesses, and local organizations with day-to-day financial services and credit products. Waterstone Financial Inc. primarily operates in southeastern Wisconsin, where it plays a regional role in retail banking, commercial lending, and residential mortgage finance. The company is headquartered in Wauwatosa, Wisconsin.

CEO Mr. William F. Bruss J.D. · 593 employees · United States · https://www.wsbonline.com