WSBF

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NASDAQ / Sector: Financial Services / Sub-Sector: Savings & Cooperative Banks / Stock Type: Cyclical
# of Employee: 770 / Fiscal Year End: 2016-12-31 / Stock Type: Small Growth
USD / Exchange Rate: 1 at 2016-11-22 / Estimation: $Confidential / / $

Waterstone Financial Inc is a one-bank holding company with two segments: community banking & mortgage banking. The Company provides consumer and business banking products and services to customers, and also provides residential mortgage loans.

Competitors | QuarterReport

Competitors List | Key Matrix Details

NYCB | PBCT | ISBC | WAFD | CFFN | NWBI | PFS | AF | FBC | BOFI | KRNY | BHLB | EBSB | UBNK | CASH | FFIC | HMST | DCOM | OCFC | HONE | LOB | FDEF | BKMU | MSBF |

Finance Highlights

Key Ratio Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDate	PeriodType	ROE	FCFMargin	FCFPerShar	EquityPerS	ProfitMarg	Continuous	NetMargin	DebtEquity	CurrentRat
2006-12-25	Annual	7.80%	19.20%	0.5	6.6	15.30%	8.30%	8.30%	0.171	.756
2007-12-25	Annual	0.90%	1.80%	0.1	5.8	12.50%	1.50%	1.50%	0.134	.704
2008-12-25	Annual	5.80%	9.00%	0.3	5.1	12.20%	-24.00%	-24.00%	0.100	.773
2009-12-25	Annual	-4.80%	-7.30%	-0.2	5.0	13.80%	-9.20%	-9.20%	0.099	.811
2010-12-25	Annual	-7.10%	-9.50%	-0.4	5.1	18.60%	-1.40%	-1.40%	0.105	.834
2011-12-25	Annual	21.70%	29.50%	1.1	4.9	12.40%	-6.10%	-6.10%	0.108	.826
2012-12-25	Annual	-3.20%	-4.00%	-0.2	5.9	19.30%	21.70%	21.70%	0.139	.760
2013-12-25	Annual	26.90%	38.30%	1.7	6.2	18.50%	9.80%	9.80%	0.124	1.068
2014-12-25	Annual	-0.10%	-0.20%	-0.0	13.4	14.20%	8.60%	8.60%	0.338	.719
2015-12-25	Annual	-2.60%	-6.00%	-0.3	13.3	16.70%	10.00%	10.00%	0.286	.706
2016-12-25	Annual	-5.60%	-12.10%	-0.8	15.0	22.30%	13.40%	13.40%	0.298	.684
2017-12-25	Annual	26.40%	56.70%	3.9	14.8	22.60%	13.60%	13.60%	0.296	.678
2018-12-25	Annual	11.70%	24.40%	1.7	14.5	20.40%	16.00%	16.00%	.264	.689

Key Ratio Trend

ReportDate	PeriodType	ROE	FCFMargin	FCFPerShar	EquityPerS	ProfitMarg	Continuous	NetMargin	DebtEquity	CurrentRat
Average	Annual	-88.46%	-90.63%	-89.34%	-1.55%	-2.40%	1.49%	1.49%	-1.00%	-0.96%
2007-12-25	Annual	-88.46%	-90.63%	-89.34%	-12.39%	-18.30%	-81.93%	-81.93%	-21.64%	-6.88%
2008-12-25	Annual	544.44%	400.00%	440.00%	-12.29%	-2.40%	-1,700.00%	-1,700.00%	-25.37%	9.80%
2009-12-25	Annual	-182.76%	-181.11%	-180.81%	-1.96%	13.11%	61.67%	61.67%	-1.00%	4.92%
2010-12-25	Annual	-47.92%	-30.14%	-50.42%	1.74%	34.78%	84.78%	84.78%	6.06%	2.84%
2011-12-25	Annual	405.63%	410.53%	394.74%	-3.79%	-33.33%	-335.71%	-335.71%	2.86%	-0.96%
2012-12-25	Annual	-114.75%	-113.56%	-117.76%	20.89%	55.65%	455.74%	455.74%	28.70%	-7.99%
2013-12-25	Annual	940.63%	1,057.50%	985.71%	5.10%	-4.15%	-54.84%	-54.84%	-10.79%	40.53%
2014-12-25	Annual	-100.37%	-100.52%	-100.48%	114.88%	-23.24%	-12.24%	-12.24%	172.58%	-32.68%
2015-12-25	Annual	-2,500.00%	-2,900.00%	-4,162.50%	-0.49%	17.61%	16.28%	16.28%	-15.38%	-1.81%
2016-12-25	Annual	-115.38%	-101.67%	-146.04%	12.66%	33.53%	34.00%	34.00%	4.20%	-3.12%
2017-12-25	Annual	571.43%	568.60%	564.24%	-1.55%	1.35%	1.49%	1.49%	-0.67%	-0.88%
2018-12-25	Annual	-55.68%	-56.97%	-56.43%	-2.09%	-9.73%	17.65%	17.65%	-10.81%	1.62%

Income Statement Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDate	PeriodType	Revenue	Cost	InterestEx	Continuous	NetIncome	DilutedSha	ProfitMarg	Continuous	NetMargin
2006-12-25	Annual	97,430k	82,477k	53,779k	8,053k	8,053k	36,294,914	15.30%	8.30%	8.30%
2007-12-25	Annual	103,817k	90,816k	62,134k	1,558k	1,558k	34,651,226	12.50%	1.50%	1.50%
2008-12-25	Annual	110,369k	96,887k	63,027k	-26,446k	-26,446k	33,529,103	12.20%	-24.00%	-24.00%
2009-12-25	Annual	110,696k	95,453k	54,577k	-10,138k	-10,138k	33,665,476	13.80%	-9.20%	-9.20%
2010-12-25	Annual	128,926k	104,896k	40,269k	-1,854k	-1,854k	33,801,298	18.60%	-1.40%	-1.40%
2011-12-25	Annual	122,581k	107,415k	32,836k	-7,473k	-7,473k	33,938,847	12.40%	-6.10%	-6.10%
2012-12-25	Annual	161,049k	130,039k	27,901k	34,914k	34,914k	34,193,977	19.30%	21.70%	21.70%
2013-12-25	Annual	150,663k	122,802k	23,658k	14,708k	14,708k	34,438,999	18.50%	9.80%	9.80%
2014-12-25	Annual	148,202k	127,145k	22,327k	12,732k	12,732k	33,643,k	14.20%	8.60%	8.60%
2015-12-25	Annual	166,437k	138,653k	23,119k	16,570k	16,570k	29,431,k	16.70%	10.00%	10.00%
2016-12-25	Annual	190,101k	147,727k	20,292k	25,532k	25,532k	27,374,k	22.30%	13.40%	13.40%
2017-12-25	Annual	191,508k	148,241k	16,362k	25,964k	25,964k	27,899,k	22.60%	13.60%	13.60%
2018-12-25	Annual	191,899k	152,679k	19,523k	30,754k	30,754k	27,634,k	20.40%	16.00%	16.00%

Income Statement Trend

ReportDate	PeriodType	Revenue	Cost	InterestEx	Continuous	NetIncome	DilutedSha	ProfitMarg	Continuous	NetMargin
Average	Annual	0.74%	3.54%	-13.41%	1.69%	1.69%	-0.95%	-2.40%	1.49%	1.49%
2007-12-25	Annual	6.56%	10.11%	15.54%	-80.65%	-80.65%	-4.53%	-18.30%	-81.93%	-81.93%
2008-12-25	Annual	6.31%	6.68%	1.44%	-1,797.43%	-1,797.43%	-3.24%	-2.40%	-1,700.00%	-1,700.00%
2009-12-25	Annual	0.30%	-1.48%	-13.41%	61.67%	61.67%	0.41%	13.11%	61.67%	61.67%
2010-12-25	Annual	16.47%	9.89%	-26.22%	81.71%	81.71%	0.40%	34.78%	84.78%	84.78%
2011-12-25	Annual	-4.92%	2.40%	-18.46%	-303.07%	-303.07%	0.41%	-33.33%	-335.71%	-335.71%
2012-12-25	Annual	31.38%	21.06%	-15.03%	567.20%	567.20%	0.75%	55.65%	455.74%	455.74%
2013-12-25	Annual	-6.45%	-5.57%	-15.21%	-57.87%	-57.87%	0.72%	-4.15%	-54.84%	-54.84%
2014-12-25	Annual	-1.63%	3.54%	-5.63%	-13.43%	-13.43%	-2.31%	-23.24%	-12.24%	-12.24%
2015-12-25	Annual	12.30%	9.05%	3.55%	30.14%	30.14%	-12.52%	17.61%	16.28%	16.28%
2016-12-25	Annual	14.22%	6.54%	-12.23%	54.09%	54.09%	-6.99%	33.53%	34.00%	34.00%
2017-12-25	Annual	0.74%	0.35%	-19.37%	1.69%	1.69%	1.92%	1.35%	1.49%	1.49%
2018-12-25	Annual	0.20%	2.99%	19.32%	18.45%	18.45%	-0.95%	-9.73%	17.65%	17.65%

Balance Sheet Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDate	PeriodType	Equity	TotalAsset	TotalLiabi	CurrentAss	CurrentLia	NonCurrent	DebtEquity	CurrentRat
2006-12-25	Annual	241,272k	1,648,470k	1,407,198k	1,371,099k	1,036,218k	370,980k	0.171	.756
2007-12-25	Annual	201,819k	1,710,202k	1,508,383k	1,412,317k	994,535k	513,848k	0.134	.704
2008-12-25	Annual	171,267k	1,885,432k	1,714,165k	1,547,584k	1,195,897k	518,268k	0.100	.773
2009-12-25	Annual	168,592k	1,868,266k	1,699,674k	1,436,568k	1,164,890k	534,784k	0.099	.811
2010-12-25	Annual	172,220k	1,808,966k	1,636,746k	1,373,395k	1,145,529k	491,217k	0.105	.834
2011-12-25	Annual	166,372k	1,712,851k	1,546,479k	1,272,517k	1,051,292k	495,187k	0.108	.826
2012-12-25	Annual	202,634k	1,661,076k	1,458,442k	1,236,242k	939,513k	518,929k	0.139	.760
2013-12-25	Annual	214,472k	1,947,039k	1,732,567k	1,165,433k	1,244,741k	487,826k	0.124	1.068
2014-12-25	Annual	450,237k	1,783,380k	1,333,143k	1,201,357k	863,960k	469,183k	0.338	.719
2015-12-25	Annual	391,930k	1,762,729k	1,370,799k	1,265,265k	893,361k	477,438k	0.286	.706
2016-12-25	Annual	410,690k	1,790,619k	1,379,929k	1,387,103k	949,411k	430,518k	0.298	.684
2017-12-25	Annual	412,104k	1,806,401k	1,394,297k	1,427,633k	967,380k	426,917k	0.296	.678
2018-12-25	Annual	399,679k	1,915,381k	1,515,702k	1,507,515k	1,038,495k	477,207k	.264	.689

Balance Sheet Trend

ReportDate	PeriodType	Equity	TotalAsset	TotalLiabi	CurrentAss	CurrentLia	NonCurrent	DebtEquity	CurrentRat
Average	Annual	-1.56%	-0.91%	0.67%	2.92%	-1.66%	0.81%	-1.00%	-0.96%
2007-12-25	Annual	-16.35%	3.74%	7.19%	3.01%	-4.02%	38.51%	-21.64%	-6.88%
2008-12-25	Annual	-15.14%	10.25%	13.64%	9.58%	20.25%	0.86%	-25.37%	9.80%
2009-12-25	Annual	-1.56%	-0.91%	-0.85%	-7.17%	-2.59%	3.19%	-1.00%	4.92%
2010-12-25	Annual	2.15%	-3.17%	-3.70%	-4.40%	-1.66%	-8.15%	6.06%	2.84%
2011-12-25	Annual	-3.40%	-5.31%	-5.52%	-7.35%	-8.23%	0.81%	2.86%	-0.96%
2012-12-25	Annual	21.80%	-3.02%	-5.69%	-2.85%	-10.63%	4.79%	28.70%	-7.99%
2013-12-25	Annual	5.84%	17.22%	18.80%	-5.73%	32.49%	-5.99%	-10.79%	40.53%
2014-12-25	Annual	109.93%	-8.41%	-23.05%	3.08%	-30.59%	-3.82%	172.58%	-32.68%
2015-12-25	Annual	-12.95%	-1.16%	2.82%	5.32%	3.40%	1.76%	-15.38%	-1.81%
2016-12-25	Annual	4.79%	1.58%	0.67%	9.63%	6.27%	-9.83%	4.20%	-3.12%
2017-12-25	Annual	0.34%	0.88%	1.04%	2.92%	1.89%	-0.84%	-0.67%	-0.88%
2018-12-25	Annual	-3.02%	6.03%	8.71%	5.60%	7.35%	11.78%	-10.81%	1.62%

Cash Flow Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDate	PeriodType	OperatingC	CAPEX	FreeCashFl	Investment	FinancialF
2006-12-25	Annual	10,121k	-8,614k	18,735k	-76,237k	123,425k
2007-12-25	Annual	-224k	-2,122k	1,898k	-110,653k	54,954k
2008-12-25	Annual	24,068k	14,107k	9,961k	-231,236k	213,133k
2009-12-25	Annual	-11,884k	-3,820k	-8,064k	69,494k	-10,339k
2010-12-25	Annual	-13,128k	-925k	-12,203k	85,892k	-68,553k
2011-12-25	Annual	35,090k	-1,021k	36,111k	61,454k	-91,495k
2012-12-25	Annual	-8,137k	-1,674k	-6,463k	91,525k	-92,299k
2013-12-25	Annual	52,284k	-5,360k	57,644k	24,069k	281,347k
2014-12-25	Annual	-2,216k	-1,949k	-267k	-75,248k	-178,885k
2015-12-25	Annual	-12,991k	-2,966k	-10,025k	-16,128k	-43,230k
2016-12-25	Annual	-24,062k	-1,085k	-22,977k	-25,030k	-4,162k
2017-12-25	Annual	107,097k	-1,577k	108,674k	-94,876k	-10,831k
2018-12-25	Annual	42,936k	-3,962k	46,898k	-79,871k	74,429k

Cash Flow Trend

ReportDate	PeriodType	OperatingC	CAPEX	FreeCashFl	Investment	FinancialF
Average	Annual	-85.22%	-45.35%	-89.87%	-45.14%	-33.47%
2007-12-25	Annual	-102.21%	75.37%	-89.87%	-45.14%	-55.48%
2008-12-25	Annual	10,844.64%	764.80%	424.82%	-108.97%	287.84%
2009-12-25	Annual	-149.38%	-127.08%	-180.96%	130.05%	-104.85%
2010-12-25	Annual	-10.47%	75.79%	-51.33%	23.60%	-563.05%
2011-12-25	Annual	367.29%	-10.38%	395.92%	-28.45%	-33.47%
2012-12-25	Annual	-123.19%	-63.96%	-117.90%	48.93%	-0.88%
2013-12-25	Annual	742.55%	-220.19%	991.91%	-73.70%	404.82%
2014-12-25	Annual	-104.24%	63.64%	-100.46%	-412.63%	-163.58%
2015-12-25	Annual	-486.24%	-52.18%	-3,654.68%	78.57%	75.83%
2016-12-25	Annual	-85.22%	63.42%	-129.20%	-55.20%	90.37%
2017-12-25	Annual	545.09%	-45.35%	572.97%	-279.05%	-160.24%
2018-12-25	Annual	-59.91%	-151.24%	-56.85%	15.82%	787.18%

Finance Detail

Income Statement Details | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

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Balance Sheet Details | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

{##BalanceSheetDetail}

Cash Flow Details | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

{##CashFlowDetail}

Note