Company Analysis Waterstone Financial, Inc.
1. Summary
Advantages
- Dividends (4.51%) are higher than the sector average (1.73%).
- The stock's return over the last year (20.38%) is higher than the sector average (-42.28%).
- Current debt level 21.04% is below 100% and has decreased over 5 years from 24.18%.
Disadvantages
- Price (13.47 $) is higher than fair price (4.32 $)
- The company's current efficiency (ROE=2.72%) is lower than the sector average (ROE=6.37%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Waterstone Financial, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -2.5% | -5.5% | 4.1% |
| 90 days | -9.6% | -12.7% | -8.9% |
| 1 year | 20.4% | -42.3% | 11.3% |
WSBF vs Sector: Waterstone Financial, Inc. has outperformed the "Financials" sector by 62.65% over the past year.
WSBF vs Market: Waterstone Financial, Inc. has outperformed the market by 9.1% over the past year.
Stable price: WSBF is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: WSBF with weekly volatility of 0.3918% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (13.47 $) is higher than the fair price (4.32 $).
Price is higher than fair: The current price (13.47 $) is 67.9% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (30.48) is higher than that of the sector as a whole (21.78).
P/E vs Market: The company's P/E (30.48) is lower than that of the market as a whole (48.7).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.8306) is higher than that of the sector as a whole (0.5943).
P/BV vs Market: The company's P/BV (0.8306) is lower than that of the market as a whole (3.42).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.57) is lower than that of the sector as a whole (4.23).
P/S vs Market: The company's P/S indicator (1.57) is lower than that of the market as a whole (10.24).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (509.35) is higher than that of the sector as a whole (15.38).
EV/Ebitda vs Market: The company's EV/Ebitda (509.35) is higher than that of the market as a whole (25.23).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -17.69% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-17.69%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-20.64%).
5.4. ROE
ROE vs Sector: The company's ROE (2.72%) is lower than that of the sector as a whole (6.37%).
ROE vs Market: The company's ROE (2.72%) is lower than that of the market as a whole (8.97%).
5.5. ROA
ROA vs Sector: The company's ROA (0.4232%) is lower than that of the sector as a whole (5.98%).
ROA vs Market: The company's ROA (0.4232%) is lower than that of the market as a whole (6.31%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.96%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.51% is higher than the average for the sector '1.73%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.51% has been steadily paid over the past 7 years, DSI=0.79.
Weak dividend growth: The company's dividend yield 4.51% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (163.87%) are at an uncomfortable level.
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