Waterstone Financial Inc (WSBF) Stock Analysis
Verdict: WATCH (do not buy)
Aggressive insider liquidation and chronic earnings misses signal that the stock's 48% recovery has outpaced its fundamental deterioration.
Investment score: 42/100
Analysis as of
Is Waterstone Financial Inc stock worth reviewing? The TradeMates thesis
WSBF presents a high-risk profile due to aggressive insider selling, consistent earnings misses, and a valuation that looks expensive relative to high-performing peers like VEL.
7-factor investment score
- Valuation: 55/100 (weight 20%)
- Financial Health: 40/100 (weight 15%)
- Technical Momentum: 65/100 (weight 15%)
- Earnings Quality: 20/100 (weight 15%)
- Insider Sentiment: 10/100 (weight 10%)
- Analyst Consensus: 15/100 (weight 10%)
- Risk-Adjusted Return: 45/100 (weight 15%)
Waterstone Financial Inc opportunities and risks
What speaks for WSBF
- Discount to Book Value
What speaks against WSBF
- Aggressive Insider Selling Liquidation
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| WSBF | 11.0x | 1.6x | 19.5x | 72.4% | 14.2% | -1.5% |
| WD | 23.8x | 1.4x | 12.8x | 49.9% | 5.6% | -88.4% |
| VEL | 6.3x | 1.0x | 2.9x | 68.6% | 15.8% | 3.8% |
| BETR | n/a | 2.0x | n/a | 62.2% | -91.9% | -60.2% |
| LDI | n/a | 0.3x | 81.2x | 81.8% | -5.4% | -173.1% |
| ONIT | 1.7x | 0.2x | 50.1x | 66.6% | 14.6% | -763.0% |
| Peer median | 1.7x | 1.0x | 12.8x | 66.6% | 5.6% | -88.4% |
Frequently asked questions about Waterstone Financial Inc (WSBF)
Is WSBF stock a good investment?
The TradeMates model rates Waterstone Financial Inc as WATCH (do not buy) with an investment score of 42/100. WSBF presents a high-risk profile due to aggressive insider selling, consistent earnings misses, and a valuation that looks expensive relative to high-performing peers like VEL. This is algorithmic model output, not personal investment advice.
Is WSBF stock a buy?
The TradeMates model verdict for WSBF is WATCH (do not buy) with an investment score of 42/100. Treat this as a model signal to review, not a personal buy recommendation.