B+
Bull case
20%
Probability
Target price
$22.50
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
WSBF
Waterstone FinancialCNasdaq / Financial Services
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-23
Recent news sentiment (30D)
+27.1
Positive
Company
-
Unavailable
Macro
+27.1
Positive
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+51.2
Score
AI commentary
News tone is mildly constructive from the confirmed Q1 operating release and dividend declaration, but coverage is sparse. The post-July-20 earnings outcome, analyst reaction, estimate changes, and any earnings-linked price move remain unavailable, so missing reaction is not treated as positive evidence. Social, options, short-interest, and employee-sentiment fields lack sufficient packet coverage.
RankAlpha Sentiment Codex - 2026-07-23
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-20eventQ2 earnings follow-up remains unconfirmedMedium impact
The queue marks a July 20, 2026 Q2 earnings follow-up, but no Q2 company release, 8-K, or transcript was confirmed in the checked sources. The latest confirmed earnings filing is the April 23 Q1 results release furnished to the SEC [#SEC-8K-2026-04-23]. Missing consensus, guidance, analyst revisions, and earnings-linked price reaction keep this as a monitoring event.
2026-08-03catalystQuarterly dividend payment provides limited capital-return supportMedium impact
Waterstone declared a regular quarterly dividend of $0.17 per share, payable August 3, 2026, to shareholders of record July 8, 2026 [#PR-EARNINGS-2026-06-23]. The payment is largely known and therefore has limited fresh re-rating potential.
2026-12-31catalystSustained banking margin and mortgage activity could support book-value compoundingHigh impact
The confirmed Q1 operating backdrop was constructive, but the longer-term thesis depends on stable credit, continued community-bank margin improvement, and a durable mortgage-banking contribution. The latest 10-Q also warrants monitoring of nonaccrual balances [#SEC-10Q-2026-05-07]. Low coverage and absent forward guidance make this a cautious, not high-conviction, upside case.
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-23 • Updated nightlySource: Internal modelMethodology