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WSBF

Waterstone FinancialC
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
The latest confirmed company earnings release described stronger community-banking net interest income and margin, improved mortgage origination activity, shareholder distributions, and higher book value. If those trends persist, WSBF could compound book value from a valuation near reported book value.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.6.
What can break
A CFO option exercise and same-day open-market sale were reported [#SEC-FORM4-2026-05-22]; this is insider-activity context, not evidence of operating performance.
Momentum
60
Value
57
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $19.80 · Bull $22.50 · Bear $16.80Analysis 2026-07-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum60 · Δ7d +5.9
Value57 · Δ7d -0.1
Sentiment57 · Δ7d +3.6
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.6.

Contradictions & invalidation

  • • A CFO option exercise and same-day open-market sale were reported [#SEC-FORM4-2026-05-22]; this is insider-activity context, not evidence of operating performance.
  • • Credit quality requires monitoring given the reported nonaccrual balance in the latest filing [#SEC-10Q-2026-05-07].
  • • The scheduled Q2 follow-up lacks confirmed results, consensus comparison, guidance detail, analyst revisions, and an earnings-linked market reaction.

Catalyst clock

2026-07-20

Q2 earnings follow-up remains unconfirmed

Lead driver: Sentiment · See AI snapshot
Momentum
60
9% active weight
Current posture
7d trendImproving
Δ7d
+5.9
Δ21d
-6.8
Value
57
28% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.1
Sentiment
57
62% active weight
Current posture
7d trendImproving
Δ7d
+3.6
Δ21d
+2.1
Why this grade

Composite grade C. Momentum 59.5 / Value 57.1 / Sentiment 56.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-23. Scenario method

B+
Bull case
20%
Probability
Target price
$22.50
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$19.80
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$16.80
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$379.32M
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data