Waterstone Financial is in the financial services sector and trades as part of the banking industry. The company CEO is Douglas S. Gordon. Waterstone Financial Inc is a one-bank holding company with two segments: community banking and mortgage banking. The company provides consumer and business banking products and services to customers, and also provides residential mortgage loans.



Previous Intraday Performance:

The WSBF shares had a previous change of -0.30% which opened at 16.90 and closed at 16.85. It moved to an intraday high of 16.96 and a low of 16.83.

SeekingAlpha:  Waterstone Financial misses by $0.03, misses on revenue

Historical Performance:

Over the last five trading days, WSBF shares returned 1.51% and in the past 30 trading days it returned 7.32%. Over three months, it changed 4.24%. In one year it has changed -1.55% and within that year its 52-week high was 18.10 and its 52-week low was 15.20. WSBF stock is 10.86% above its 52 Week Low.

Our calculations result in a 200 day moving average of 16.72 and a 50 day moving average of 16.62. Right now, WSBF stock is trading 0.80% above its 200 day moving average and may be a good opportunity to buy.

SeekingAlpha:  Waterstone Financial misses by $0.03, misses on revenue

Liquidity:

The company has a market cap of $473.3m with 28.1m shares outstanding and a float of 26.9m shares. Trading volume was 41,930 shares and has experienced an average volume of 71,002 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for Waterstone Financial was 1.11 which ended on 31st of December 2018, which according to the previous close, that is a PE of 15.18.

Below was the last reported quarterly earnings per share:
12-31-2018:  0.21
09-30-2018:  0.31
06-30-2018:  0.34
03-31-2018:  0.25

The dividend per share is currently 0.48, which is a dividend yield of 2.85%.

Base on our calculations, the intrinsic value per share is 6.83, which means it might overvalued by -146.69%



The next earnings report will be: 03-21-2019

The long-term trend of the EPS is a vital number as it helps understand the future potential of Waterstone Financial; it is usually expressed as a percentage and is then referred to as the EPS growth rate, which at this time is hard to estimate, but revenue growth has been -0.60% over the last twelve months.

Indicators Also to Watch:

Based on the latest filings, there is 4.00% of insider ownership and 82.00% of institutional ownership.

I calculated the beta to be 0.09

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Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 7.58%, return on assets is 1.65%, profit margin is 16.03%, price-to-sales is 2.47 and price-to-book is 1.19.

Company Score Card:

Results are out of six:
 0  : Growth Expectations Result
 5  : Financial Safety Result
 2  : Past Performance Result
 3  : Valuation Result
 3  : Dividend Safety Result
 2  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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