Waterstone Financial, Inc. (WSBF)
Savings Institution, Federally Chartered · Financial Services · $348M
Intrinsic Value (Consensus)
$37.09
Current Price
$19.20
Margin of Safety
+93.2%
93.2% Below Intrinsic Value
Value: $37
Price: $19
Valuation Model Estimates
Current Price: $19.20
DCF (Discounted Cash Flow)
$59.49
Graham Number
$25.32
Earnings Power Value
$14.37
Relative Value (P/E)
$29.60
Dividend Discount Model
$56.67
Consensus Value
$37.09
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
62
Profitability
15/25
Strength
15/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Elevated debt — Debt/Equity ratio is 118%
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $1.48
- EPS (Forward)
- $1.78
- Book Value
- $19.25
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 7.6%
- Debt/Equity
- 118%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance