Waterstone Financial, Inc.
جودة البيانات: 83%
WSBF
NASDAQ
Financial Services
Depository Institutions
KWD 18.55
▼
KWD 0.19
(-1.04%)
القيمة السوقية: 346.44 M
السعر
KWD 18.77
القيمة السوقية
346.44 M
نطاق اليوم
—
نطاق 52 أسبوعًا
—
حجم التداول
—
فتح —
متوسط 50 يوم / 200 يوم
—
متوسط 50 يوم / 200 يوم
—
Quick Summary
النقاط الرئيسية
Earnings grew 41.28% over the past year
Generating 23.02 M in free cash flow
P/E of 13.12 — trading at a low valuation
Cash machine — converts 87.18% of earnings into free cash flow
Dividend yield of 3.30% — meaningful income
Healthy payout ratio of 41.89% with room to grow
النمو
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)41.28%
FCF Growth (3Y)N/A
الجودة
Return on Equity
7.69%
أقل من متوسط القطاع (9.22%)
ROICN/A
Net MarginN/A
Op. MarginN/A
الأمان
Debt / Equity
1.36
أعلى من متوسط القطاع (0.49)
Current RatioN/A
Interest CoverageN/A
التقييم
PE (TTM|NTM)
13.12 | 18.37
أعلى من متوسط القطاع (11.12)
P/B Ratio1.00
EV/EBITDAN/A
Dividend Yield3.30%
تاريخ السعر
الاتجاهات المالية
مقارنة الأقران
مقابل وسيط قطاع Financial Services (2698 نظير)
مقارنة الأقران
مقابل وسيط قطاع Financial Services (2698 نظير)| المقياس | السهم | وسيط القطاع |
|---|---|---|
| P/E | 13.1 | 11.1 |
| P/B | 1.0 | 1.2 |
| ROE % | 7.7 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | 1.4 | 0.5 |
السعر المستهدف للمحللين
لا تتوفر تغطية محللين
تقديرات الأرباح
لا تتوفر تقديرات مستقبلية
No quarterly estimates available
مفاجآت الأرباح
آخر 4 أرباع
| الربع | EPS المقدر | EPS الفعلي | المفاجأة |
|---|---|---|---|
| Q22023 | N/A | KWD 0.20 | — |
| Q12023 | KWD 0.08 | KWD 0.10 | +25.0% |
| Q42022 | KWD 0.15 | KWD 0.04 | -73.3% |
| Q32022 | KWD 0.29 | KWD 0.25 | -13.8% |
Dividend History
Yield
3.30%
Payout Ratio
41.89%
Growth (3Y)
-22.72%
Growth (5Y)
-14.06%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 08, 2026 | — | KWD 0.17 | N/A |
| Jan 08, 2026 | — | KWD 0.15 | N/A |
| Oct 08, 2025 | — | KWD 0.15 | N/A |
| Jul 08, 2025 | — | KWD 0.15 | N/A |
| Apr 08, 2025 | — | KWD 0.15 | N/A |
| Jan 08, 2025 | — | KWD 0.15 | N/A |
| Oct 08, 2024 | — | KWD 0.15 | N/A |
| Jul 08, 2024 | — | KWD 0.15 | N/A |
| Apr 05, 2024 | — | KWD 0.15 | N/A |
| Jan 05, 2024 | — | KWD 0.15 | N/A |
| Oct 05, 2023 | — | KWD 0.15 | N/A |
| Jul 07, 2023 | — | KWD 0.20 | N/A |
| Apr 06, 2023 | — | KWD 0.20 | N/A |
| Jan 06, 2023 | — | KWD 0.20 | N/A |
| Oct 06, 2022 | — | KWD 0.20 | N/A |
| Jul 08, 2022 | — | KWD 0.20 | N/A |
| Apr 08, 2022 | — | KWD 0.20 | N/A |
| Jan 07, 2022 | — | KWD 0.70 | N/A |
| Oct 07, 2021 | — | KWD 0.20 | N/A |
| Jul 09, 2021 | — | KWD 0.20 | N/A |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | 41.28% | Earnings Growth (3Y) | 67.82% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | -21.85% |
| Profitability | |||
| Revenue (TTM) | N/A | Net Income (TTM) | 26.40 M |
| ROE | 7.69% | ROA | 1.17% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 23.02 M |
| ROIC | N/A | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1.36 | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 345.50 M |
| Dividends | |||
| Dividend Yield | 3.30% | Payout Ratio | 41.89% |
| Dividend Growth (3Y) | -22.72% | Dividend Growth (5Y) | -14.06% |
| Consecutive Div Years | 12 yrs | ||
| Valuation | |||
| P/E Ratio | 13.12 | Forward P/E | 18.37 |
| P/B Ratio | 1.00 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | 5.44% |
| FCF Yield | 6.64% | ||
| Market Cap | 346.44 M | Enterprise Value | 815.50 M |
| Per Share | |||
| EPS (Diluted TTM) | 1.48 | Revenue / Share | N/A |
| FCF / Share | 1.25 | OCF / Share | 1.31 |
| EPS CAGR (1Y) | 46.53% | EPS CAGR (5Y) | -15.91% |
| EPS CAGR (10Y) | 5.30% | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | 87.18% |
| SBC-Adj. FCF | 22.58 M | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 26.40 M | 18.69 M | 9.38 M | 19.49 M | 70.79 M |
| EPS (Diluted) | 1.48 | 1.01 | 0.46 | 0.89 | 2.96 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | — | — | — | — | 6.05 M |
| Interest Expense | 56.73 M | 46.17 M | 48.99 M | 13.29 M | 14.37 M |
| Income Tax | 7.04 M | 5.31 M | 1.66 M | 4.99 M | 21.32 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2.26 B | 2.21 B | 2.21 B | 2.03 B | 2.22 B |
| Total Liabilities | 1.91 B | 1.87 B | 1.87 B | 1.66 B | 1.78 B |
| Shareholders' Equity | 349.39 M | 339.14 M | 344.06 M | 370.49 M | 432.77 M |
| Total Debt | 412.26 M | 593.57 M | 758.11 M | 386.78 M | 477.13 M |
| Cash & Equivalents | — | — | — | — | — |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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