Waterstone Financial, Inc. (WSBF)
Financial Services
- Fundamental
- 3
- Sentiment
- 3
- Technical
- 4
Do Nothing: avgDollarVolume20 is only $1,574,077.51 (below the $5,000,000 floor) and recent 3-session regular dollar volume averages just $1,150,715.19 (below the $1,500,000 recent-liquidity floor).
Company overview
Waterstone Financial, Inc. is a bank holding company operating primarily through its subsidiary, WaterStone Bank SSB, in southeastern Wisconsin. It provides a range of financial services through its Community Banking and Mortgage Banking segments, including deposit accounts, loans, and investment services. The company also originates residential mortgage loans for the secondary market.
Fundamental
fairWaterstone Financial shows reasonable valuation and improving profitability, but faces cyclical growth challenges and interest-rate sensitivity.
Fundamental score: 3/5. WSBF looks reasonably valued for a regional bank (TTM P/E ~12, ~3% dividend yield) and recent filings show improving profitability with “well-capitalized” status, but the multi-year growth profile is volatile (mortgage-cycle normalization) and core risks remain interest-rate and credit-cycle sensitivity, keeping conviction mixed.
Sentiment
fairMedia coverage is split between improved metrics and EPS miss concerns, with limited retail engagement.
Q2 results/dividend/buyback update (GlobeNewswire, 2026-07-23; confidence: announced) is the only clear near-term fundamental catalyst, but third-party coverage over the last ~14d is mixed-to-neutral and cooler than the small bullish baseline set 30–90d ago. Red-Flag Screen: no regulator-confirmed investigations found, but conflicting post-earnings framing (company-strength narrative vs EPS-miss/overvaluation headlines) is a moderate flag that caps the score at 3.
Technical
goodThe stock is technically strong with bullish trend and momentum, but liquidity is too thin for a short-term swing.
Trend and momentum are bullish: WSBF is above the SMA20/50/200, EMA9/21, and daily VWAP, with MACD 0.16 above its 0.14 signal and ADX 56.33 confirming strong direction; the main drags are overbought short-term positioning (Williams %R -4.24) and structurally thin liquidity.
You’re looking at 2026-07-28 — about 2 trading days ago.
Subscribers saw this then, and see today’s score, verdict and trade plan now.
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Not financial advice. For informational and educational purposes only.