Waterstone Financial, Inc. Financial Ratios — 47Z Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-4.41	18.92	7.05	3.83	3.94	6.36	6.31	7.58	9.05	20.12	16.74	4.85	2.62	5.47	7.67
Return on Assets (%)	-0.42	2.07	0.82	0.68	0.93	1.44	1.44	1.65	1.84	3.88	3.22	0.92	0.44	0.85	1.18
Return on Capital (%)	- -	- -	2.63	1.87	2.15	3.53	3.48	3.8	4.24	9.14	7.78	2.34	1.2	2.35	3.43
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-7.7	17.06	18.37	15.81	18.02	25.16	25.82	23.83	26.48	36.92	36.25	15.52	8.62	18.13	24.07
Profit Margin (%)	-8.33	26.22	11.58	10.11	11.56	15.29	15.09	18.2	19.98	27.71	27.86	12.35	7.33	14.12	19
Net Income to Common Margin (%)	-8.33	26.22	11.58	10.11	11.56	15.29	15.09	18.2	19.98	27.71	27.86	12.35	7.33	14.12	19
Effective Tax Rate (%)	- -	- -	36.95	36.04	35.82	39.2	41.57	23.65	24.53	24.95	23.14	20.39	15.02	22.14	21.06
Dvd Payout Ratio (%)	- -	- -	- -	39.29	35.42	27.09	103.81	87.96	72.31	38.84	42.93	155.28	163.87	60.3	40.78
Sustainable Growth Rate (%)	-4.41	18.92	7.05	2.33	2.54	4.64	-0.24	0.91	2.51	12.3	9.55	-2.68	-1.68	2.17	4.54

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	377	350	350	350	350	295	375	430	470	499	475	386	464	444	406
ST Debt	27	- -	- -	- -	- -	65	35	- -	- -	29	5	186	309	294	216
LT Debt	350	350	350	350	350	230	340	430	470	470	470	200	155	150	190
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.71	12.2	11.02	25.25	22.23	22.94	22.81	20.87	19.72	18.91	19.53	18.24	15.54	15.35	15.46
Long-Term Debt/Equity (%)	210.37	172.73	163.19	77.74	89.3	56	82.5	107.59	119.38	113.77	108.6	53.98	45.05	44.23	54.38
Long-Term Debt/Capital (%)	64.4	63.33	62	43.74	47.17	32.59	43.2	51.83	54.42	51.53	51.78	26.45	19.18	19.16	25.15
Long-Term Debt/Total Assets (%)	20.43	21.07	17.98	19.63	19.86	12.84	18.82	22.45	23.54	21.51	21.21	9.84	7	6.79	8.41
Total Debt/Equity (%)	226.68	172.73	163.19	77.74	89.3	71.83	91	107.59	119.38	120.79	109.76	104.11	134.86	130.79	116.23
Total Debt/Capital (%)	69.39	63.33	62	43.74	47.17	41.8	47.64	51.83	54.42	54.71	52.33	51.01	57.42	56.67	53.75
Total Debt/Total Assets (%)	22.02	21.07	17.98	19.63	19.86	16.47	20.76	22.45	23.54	22.84	21.44	18.98	20.96	20.07	17.97
Net Debt to Equity	183.21	151.56	-36.87	44.08	68.85	66.87	83.34	92.32	103.74	102.41	25.94	94.4	125.87	120.33	97.95
Net Debt/Capital (%)	64.69	60.25	-58.4	30.59	40.77	40.07	45.46	48	50.92	50.6	20.6	48.56	55.73	54.61	49.48
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.71	12.2	11.02	25.25	22.23	22.94	22.81	20.87	19.72	18.91	19.53	18.24	15.54	15.35	15.46
Long-Term Debt/Equity (%)	210.37	172.73	163.19	77.74	89.3	56	82.5	107.59	119.38	113.77	108.6	53.98	45.05	44.23	54.38
Long-Term Debt/Capital (%)	64.4	63.33	62	43.74	47.17	32.59	43.2	51.83	54.42	51.53	51.78	26.45	19.18	19.16	25.15
Long-Term Debt/Total Assets (%)	20.43	21.07	17.98	19.63	19.86	12.84	18.82	22.45	23.54	21.51	21.21	9.84	7	6.79	8.41
Total Debt/Equity (%)	226.68	172.73	163.19	77.74	89.3	71.83	91	107.59	119.38	120.79	109.76	104.11	134.86	130.79	116.23
Total Debt/Capital (%)	69.39	63.33	62	43.74	47.17	41.8	47.64	51.83	54.42	54.71	52.33	51.01	57.42	56.67	53.75
Total Debt/Total Assets (%)	22.02	21.07	17.98	19.63	19.86	16.47	20.76	22.45	23.54	22.84	21.44	18.98	20.96	20.07	17.97
CFO/Total Liabilities	2.27	-0.56	3.02	-0.17	-0.95	-1.74	7.68	2.74	-2.51	-5.28	7.96	12.44	-1.48	2.57	1.27
CFO/CapEx	34.37	-4.86	9.75	-1.14	-4.38	-22.18	67.91	10.48	-12.92	-76.39	182.53	294.81	-39.4	43.73	20.76
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	254	300
- Cash & Cash Equivalents	72	43	429	152	80	20	32	61	62	76	363	36	31	35	64
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	377	350	350	350	350	295	375	430	470	499	475	386	464	444	406
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	453	472
Total Capital	544	553	564	800	742	706	787	830	864	912	908	756	808	783	755
Total Debt/Capital (%)	69.39	63.33	62	43.74	47.17	41.8	47.64	51.83	54.42	54.71	52.33	51.01	57.42	56.67	53.75
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.98	0.86
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.42	3.4
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.43	19.51
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.65	20.49
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	244	292
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	443	464
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.43	25.69
TTM Sales	90	133	127	126	143	167	172	169	180	293	254	158	128	132	139
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	52	-2	-13	-24	107	42	-40	-94	142	207	-28	48	24
TTM Free Cash Flow to Firm	- -	- -	47	-4	-16	-25	106	38	-43	-95	141	206	-28	47	23

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.19	12.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	453	472
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.73	11.51
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.42	3.4
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.02	11.03
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.4	9.52
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.52	11.57
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.65	7.78
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.75	0.86
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.77	0.74
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.95	0.9
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.61	0.6
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.75	0.86
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.77	0.74
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.95	0.9
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.61	0.6
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.84	2.1
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.89	1.81
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.33	2.2
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.5	1.48
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.06	12.05
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.21	10.39
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.42	12.63
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.14	8.49
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.34	10.94
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.58	13.29
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.25	8.94
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.48	3.1
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.94	3.5
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.08	2.76
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.12	16.33
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.63	17.12
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	461	431
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	521	486
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	407	383

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	34	34	34	34	29	29	30	28	27	25	25	22	20	19	18
Diluted Weighted Avg Shares	34	34	34	34	29	27	28	28	26	25	24	22	20	19	18
Basic Weighted Avg Shares	34	34	34	33	29	27	27	27	26	24	24	22	20	19	18
Revenue per Share	2.64	3.91	3.72	3.77	4.91	6.17	6.27	6.18	6.9	11.97	10.7	7.21	6.35	7.13	7.79
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.22	1.02	0.43	0.38	0.57	0.94	0.95	1.12	1.38	3.32	2.98	0.89	0.47	1.01	1.48
Basic EPS from Cont Ops	-0.22	1.02	0.43	0.38	0.57	0.94	0.95	1.12	1.38	3.32	2.98	0.89	0.47	1.01	1.48
Diluted EPS, GAAP	-0.22	1.02	0.43	0.38	0.56	0.93	0.93	1.11	1.37	3.3	2.96	0.89	0.46	1.01	1.48
Diluted EPS from Cont Ops	-0.22	1.02	0.43	0.38	0.56	0.93	0.93	1.11	1.37	3.3	2.96	0.89	0.46	1.01	1.48
Dividend per Share	- -	- -	- -	0.15	0.2	0.26	0.98	0.99	1	1.29	1.28	1.38	0.76	0.61	0.6
Cash Flow per Share	1.03	-0.24	1.53	-0.07	-0.45	-0.89	3.9	1.52	-1.55	-3.83	5.98	9.44	-1.37	2.59	1.36
Free Cash Flow per Basic Share	1	-0.29	1.37	-0.12	-0.55	-0.93	3.84	1.37	-1.67	-3.88	5.95	9.41	-1.4	2.53	1.29
Cash & Equivalents per Share	8.13	7.21	18.68	12.35	11.9	8.4	7.84	8.67	8.84	9.39	21.85	10.49	11.61	12.61	12.76
Book Value per Share	4.85	5.89	6.23	13.08	13.33	13.95	13.97	14.04	14.5	16.47	17.45	16.71	16.94	17.53	19.03
Tangible Book Value per Share	4.85	5.89	6.23	13.08	13.33	13.95	13.97	14.04	14.5	16.47	17.45	16.71	16.94	17.53	19.03