WSBF

Waterstone FinancialB

Nasdaq / Financial Services

Quote time unavailable

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AI scenario view

RankAlpha Sentiment CodexPost-earnings T+1

B+

Bull case

25%

Probability

Target price

$22.50

Analysis reference price unavailable

Analysis 2026-10-28 · RankAlpha Sentiment Codex

Most likely

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

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 2026-10-28

AI commentary

Neutral monitoring view. The Q2 company release supports the operating baseline, but the T+1 trigger supplied no verified Q3 print. A post-release price reaction cannot be attributed to earnings, and analyst revisions were unavailable. Zero-valued sentiment fields denote unavailable measurements, not neutral observations. The deterministic prior remains directionally neutral; its stronger evidence score does not substitute for a confirmed new result.

RankAlpha Sentiment Codex - 2026-10-28

Open post-earnings memo

Evidence flagged

No evidence quality warning is currently attached to this memo.

Impact

standard

Confidence

AI events

2026-11-02catalystNovember 2 dividend paymentMedium impact

The previously declared $0.17 quarterly dividend is payable November 2. It supports the capital-return case but is already announced and is not evidence of Q3 performance. [#PR-EARNINGS-2026-09-22]

2027-01-26eventConfirm the purported Q3 earnings release before revising the thesisMedium impact

This T+1 run was triggered by a scheduled earnings date, not by verified Q3 results. No Q3 company release, SEC earnings exhibit, reported surprise, or guidance change was confirmed. The last verified company earnings release reported Q2 EPS of $0.49, a 3.03% net interest margin, and softer mortgage-sale margins; Q3 must show whether those drivers persisted. [#PR-2026-07-23] SEC earnings exhibit

2027-10-28catalystTest book-value growth against mortgage-margin and credit risksHigh impact

Q2 book value was $19.53 per share and nonperforming assets were 0.30% of assets, but mortgage-banking pretax income fell year over year despite higher originations. Sustained earnings and capital returns could support book-value growth; renewed margin or credit pressure could reverse it. This is a monitoring thesis, not a confirmed forward trend. [#PR-2026-07-23] Company release

View full catalyst timeline

Recommendation

N/A

No formal recommendation provided.

Open AI Memo

As of 2026-10-28 • Updated nightlySource: Internal modelMethodology