WSBF

Waterstone FinancialB

Nasdaq / Financial Services

At close

2026-06-02

Current thesis

The best case is that Q4 2025 marked a real earnings step-up: community-bank net interest income and margin improved, asset quality stayed strong, mortgage banking posted a third straight quarter of pre-tax income, book value reached $19.03 per share, and management was confident enough to increase the dividend in March 2026. If those trends hold through 2026, WSBF can keep compounding capital while still returning cash to shareholders.

Posture

Constructive

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta +7.3.

What can break

Capital return supports the story, but if earnings soften, buybacks and dividend growth may stop driving book-value accretion.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $18.25 · Bull $21.00 · Bear $15.25

Data freshness

Prices

As of 2026-06-02

Fundamentals

As of 2026-05-29 • Vendor: Data Vendor v1

Scores

As of 2026-06-02 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-02

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Why

Momentum61 · Δ7d +7.3

Value57 · Δ7d -0.0

Sentiment52 · Δ7d +1.6

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

34% active weight

Current posture

7d trendFlat

Δ7d

+7.3

Δ21d

+16.2

Value

32% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

-0.1

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

+1.6

Δ21d

+10.4

Why this grade

Composite grade B. Momentum 60.8 / Value 56.8 / Sentiment 51.7

Fundamentals (TTM)

As of 2026-05-29

Market Cap

$334.16M

Beta

0.80

Shares Out

18.46M

P/E (TTM)

12.6

P/S (TTM)

2.26

P/FCF (TTM)

9.46

Rev YoY

+1.3%

EPS YoY

+75.0%

Gross Margin

Op Margin

+21.7%

Net Debt

-$32.22M

Current Ratio

As of 2026-06-02 • Updated nightlySource: Internal modelMethodology