WSBF

Waterstone FinancialB

Nasdaq / Financial Services

At close

2026-07-21

Current thesis

Q1 results showed stronger year-over-year profitability, a 50-basis-point year-over-year NIM improvement to 2.97%, increased mortgage-banking income, and ongoing shareholder returns. Sustained execution could support modest upside.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-28.

What can break

A CFO Form 4 reported a 10,000-share open-market sale following an option exercise; this is an insider-activity signal only and not evidence of operating deterioration. [#SEC-FORM4-2026-05-22]

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $19.75 · Bull $22.50 · Bear $16.25

Earnings

2026-07-28

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Why

Momentum55 · Δ7d -14.2

Value57 · Δ7d -9.6

Sentiment53 · Δ7d -1.3

So what

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

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-14.2

Δ21d

-19.8

Value

39% active weight

Current posture

7d trendSoftening

Δ7d

-9.6

Δ21d

+0.8

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-1.3

Δ21d

+1.5

Why this grade

Composite grade B. Momentum 54.9 / Value 57.3 / Sentiment 52.8

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$354.92M

Beta

0.80

Shares Out

18.05M

P/E (TTM)

12.6

P/S (TTM)

2.26

P/FCF (TTM)

9.46

Rev YoY

+9.8%

EPS YoY

+107.2%

Gross Margin

Op Margin

+21.7%

Net Debt

$348.7M

Current Ratio

0.04

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology