Waterstone Financial (WSBF) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Waterstone Financial had a P/E ratio of 11.77 (down from 13.19), return on equity of 7.7% (up from 5.5%), debt-to-equity of 1.20 (down from 1.35) and return on assets of 1.2% (up from 0.8%). Its dividend yield was 3.38% with a payout ratio of 40.8%.

Waterstone Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	11.77	13.19	32.73	19.10	7.32	5.49
Forward P/E	13.18	13.18	13.18	16.42	13.58	10.28
P/S Ratio	2.17	1.82	2.35	2.30	1.97	1.53
P/B Ratio	0.89	0.73	0.89	1.00	1.20	1.08
Price/Tangible Book	0.89	0.73	0.89	1.00	1.20	1.08
Price/FCF	13.50	5.25	-	1.81	3.67	-
Price/OCF	12.85	5.13	-	1.80	3.65	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.67%	5.47%	2.62%	4.85%	16.74%	20.12%
Return on Assets (ROA)	1.18%	0.84%	0.44%	0.92%	3.22%	3.88%
Leverage & Solvency Ratios
Debt/Equity	1.20	1.35	1.81	1.09	1.11	1.25
Debt/FCF	18.25	9.78	-	1.97	3.39	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	8.50%	7.58%	3.06%	5.24%	13.67%	18.20%
FCF Yield	7.41%	19.06%	-9.22%	55.34%	27.27%	-21.27%
Dividend Yield	3.38%	4.48%	4.40%	4.52%	3.83%	3.95%
Payout Ratio	40.79%	60.30%	163.87%	155.28%	42.93%	38.84%
Buyback Yield	3.88%	7.96%	8.24%	8.03%	2.75%	6.25%
Total Return	7.27%	12.44%	12.64%	12.54%	6.58%	10.20%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Waterstone Financial Financial Ratios

What is Waterstone Financial's P/E ratio?

Waterstone Financial's P/E ratio was 11.77 for fiscal 2025 (period ended Dec 31, 2025). It was 13.19 a year earlier.

What is Waterstone Financial's return on equity?

Waterstone Financial's return on equity (ROE) was 7.7% for fiscal 2025 (period ended Dec 31, 2025). It was 5.5% a year earlier.

What is Waterstone Financial's debt-to-equity ratio?

Waterstone Financial's debt-to-equity ratio was 1.20 for fiscal 2025 (period ended Dec 31, 2025). It was 1.35 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition