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WSBF

Waterstone FinancialB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2's higher net interest income, 3.03% margin, and continued repurchases provide a credible capital-compounding basis if Q3 confirms durability. [#PR-2026-07-23]
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Credit and deposit-cost changes could erode bank earnings; the last verified credit snapshot is Q2, not Q3. [#PR-2026-07-23]
Momentum
60
Value
57
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $20.00 · Bull $22.50 · Bear $16.50Analysis 2026-10-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum60 · Δ7d -11.8
Value57 · Δ7d -0.2
Sentiment57 · Δ7d +1.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

Contradictions & invalidation

  • • Credit and deposit-cost changes could erode bank earnings; the last verified credit snapshot is Q2, not Q3. [#PR-2026-07-23]
  • • Low analyst coverage and a loose peer set limit valuation confidence.
  • • Q2 mortgage-sale margins softened despite higher originations.

Catalyst clock

2026-11-02

November 2 dividend payment

Lead driver: Value · See fundamentals
Momentum
60
8% active weight
Current posture
7d trendImproving
Δ7d
-11.8
Δ21d
-9.0
Value
57
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.0
Sentiment
57
45% active weight
Current posture
7d trendImproving
Δ7d
+1.2
Δ21d
-4.8
Why this grade

Composite grade B. Momentum 59.8 / Value 57.0 / Sentiment 57.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-28. Scenario method

B+
Bull case
25%
Probability
Target price
$22.50
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$20.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$356.13M
Beta
0.80
Shares Out
17.98M
P/E (TTM)
12.6
P/S (TTM)
2.26
P/FCF (TTM)
9.46
Rev YoY
+1.5%
EPS YoY
+14.7%
Gross Margin
-
Op Margin
+18.4%
Net Debt
$348.7M
Current Ratio
0.03
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data