Stock Ratings / Financials / WSBF / dividends

WNEB (65) FNRN (54) BCBP (46) FMAO (68) ⌘ Pro Terminal →

Waterstone Financial Inc. (MD) (WSBF) Dividend Safety Gauge & 10-Year DRIP Compounder

$19.55 -1.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.46

Waterstone Financial Inc. (MD) (WSBF) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $351.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WSBF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WSBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, Waterstone Financial Inc. (MD) (NASDAQ: WSBF) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $19.55 (-1.41% 1D, market cap $351.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WSBF ranks #440 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WSBF compare to WNEB and FNRN in the Financials sector?

▼

Within the Financials sector (Savings Institutions), WSBF carries a Roarable C- (60/100 RQD), trailing P/E of 13.5x, gross margin of —, and ROIC of 7.6%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M) and FNRN (First Northern Community Bancorp) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while FMAO leads on capital efficiency (9.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WSBF?

▼

Per WSBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001569994), Waterstone Financial Inc. (MD) generated $0 in revenue, $26.4M in net income, and $23.0M in free cash flow against $2.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $19.46 (-0.44%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WSBF)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY WSBF SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$19.79+0.3% Next Q

Q2 (-2Q)

Grade C+$19.84-0.2% Next Q

Q3 (-1Q)

Grade C+$19.81-1.3% Next Q

Current

Grade C-$19.55+0.4% Hist 90D α

Trajectory: B- (68) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WSBF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, WSBF faces multiple-compression risk if 13.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($20.32) or 200D SMA ($19.22) invalidates the momentum regime and cuts Target Base ($19.73) toward Bear Floor ($15.39).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WSBF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WSBF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.82% Total Yield

3.02% Cash ($0.59/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

30.4% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $25,470

Est. Year-10 Shareholder Yield: $1,228/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.1K

Yr 2

$13.2K

Yr 3

$14.5K

Yr 4

$16.0K

Yr 5

$17.5K

Yr 6

$19.2K

Yr 7

$21.1K

Yr 8

$23.2K

Yr 9

$25.5K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in WSBF & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on WSBF and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WSBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.22%🛡️ HOLDING TREND SUPPORT

2026-11-03O $19.83H $19.83L $19.55C $19.55VOL 39.9K

RES: $22.38SUP: $19.27SMA50: $20.32SMA200: $19.22

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WSBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WSBF Butterfly Map → + Track WSBF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WSBF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WSBF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WSBF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WSBF)

Financials Rank #440 of 1096 ⚔️ WNEB vs WSBF Full Matrix →

1. Head-to-Head Financials Peer Comparison (WSBF vs. WNEB, FNRN, BCBP, FMAO)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Waterstone Financial Inc. (MD) (WSBF) ranks #440 by composite RQD confidence (60/100, grade C-) and #778 by equity capitalization ($351.5M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while FMAO leads on capital efficiency and profitability with 9.0% ROIC and — gross margin. FMAO currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with WSBF at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WSBF ACTIVE Waterstone Financial Inc. (MD)	C-	60/100	13.5x	—	7.6%	-1.41%	$351.5M	Benchmark Subject
WNEB Western New England Bancorp Inc.	C	65/100	18.5x	—	6.2%	-0.78%	$282.2M	/wneb-vs-wsbf →
FNRN First Northern Community Bancorp	D+	54/100	—	—	0.0%	+0.77%	$278.4M	/fnrn-vs-wsbf →
BCBP BCB Bancorp Inc. (NJ)	D	46/100	—	—	-4.1%	+2.90%	$264.8M	/bcbp-vs-wsbf →
FMAO Farmers & Merchants Bancorp Inc.	C+	68/100	15.3x	—	9.0%	-1.86%	$510.7M	/fmao-vs-wsbf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001569994

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Waterstone Financial Inc. (MD) (WSBF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $26.4M, operating cash flow of $24.2M, and free cash flow of $23.0M (-51.0% YoY). On the balance sheet, WSBF closed FY2025 with $2.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$26.4M	$24.2M	$23.0M	$2.26B	—
FY2024 (FY)	2024-12-31	$0	$18.7M	$48.1M	$47.0M	$2.21B	—
FY2023 (FY)	2023-12-31	$0	$9.4M	-$27.6M	-$27.6M	—	—

3. WSBF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WSBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does WSBF compare to WNEB and FNRN in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for WSBF?

Where is WSBF trading relative to its 50-day, 200-day, and 52-week technical levels?

WSBF last traded at $19.55 (-1.41% on volume of 39,948 shares), positioning the stock -3.79% below its 50-day simple moving average ($20.32) and +1.72% above its 200-day simple moving average ($19.22). Across its 52-week range of $15.05 to $21.66, WSBF sits at the 68.1% percentile with a 14-day RSI of 41.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($18.71 to $20.39).

WSBF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does WSBF pay a dividend and is it safe?

Waterstone Financial Inc. (MD) (WSBF) offers a 3.02% cash dividend yield ($0.59 annualized) and 4.82% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: WSBF RQD Cockpit WSBF 12M Forecast WSBF Earnings & Move WSBF Dividends & DRIP WSBF Insiders & 13F WSBF Whale Options WSBF Profit Sankey WSBF News & Why

ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

WSBF — Waterstone Financial Inc. (MD): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:37:53Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, WSBF scores 60 out of 100, a C- grade, labeled "Roarable Hold — Cautious Neutral." The five pillars are: Fundamental Cash Engine at 9 of 20 (ROIC 7.6%; FCF yield 6.46%), Whale 13F Flow at 9 of 20 (institutional accumulation and options positioning, with no further detail in the source), Insider Conviction at 16 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 13 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5).

For a prospective investor, the profile is mixed. The strongest pillar is insider conviction, which the rating reads as the most favorable input. The weakest pillars are cash generation and institutional flow, both at 9 of 20. The forensic balance sheet and macro fit sit at the midpoint. The cash-engine score is constrained despite a 7.6% ROIC and a 6.46% FCF yield, which suggests that these returns do not by themselves lift the overall rating. Valuation, at 13.5x trailing earnings and 12.6x forward earnings, is not cheap on the rating's own framing, and the Piotroski score of 4/9 signals only modest financial-health strength. Upside drivers cited in the data are the insider cluster flow and the FCF yield; the principal tradeoffs are a low institutional-flow score and a neutral macro posture at beta 1.0.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$26.4M	N/A	$23.0M	N/A	N/A
FY 2024	$0.0M	$0.0M	$18.7M	N/A	$47.0M	N/A	N/A
FY 2023	$0.0M	$0.0M	$9.4M	N/A	$-27.6M	N/A	N/A

Per the SEC financials, net income rose from $9.4M in FY 2023 to $18.7M in FY 2024 and $26.4M in FY 2025, while free cash flow was $-27.6M, $47.0M, and $23.0M across the same years. Revenue, operating income, EPS, cash, and debt are reported as zero or N/A in the source. Per the market data, gross, operating, and net margins are each listed as 0%, so margin analysis is not supported by the source. The ROIC of 7.6% and the Altman Z-Score of 2.5 are cited in the rating, and the Piotroski F-Score is 4/9 with a Debt/Equity ratio of 0.5, indicating a moderate balance-sheet posture rather than a strong one.

Open Questions

What are the company's revenue, operating income, and cash balances, given that the source reports these as zero or N/A across all periods?
What business activities generate the reported net income and free cash flow for the Savings Institutions business?
What is the composition and timing of the insider and Congressional cluster flows referenced in the rating?
What drove the swing in free cash flow from $-27.6M in FY 2023 to $47.0M in FY 2024?
What institutional holders and analyst coverage exist, since both the holders and analyst data sections are empty?

WSBF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Waterstone Financial Inc. (MD) (WSBF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WSBF Debate Forum (3) ↓

🟢 CATALYST Yahoo • 5d ago

The Zacks Analyst Blog Highlights Alphabet, ExxonMobil, Toyota, Waterstone Financial and AXIL Brands

Alphabet's AI-driven growth, ExxonMobil's production strengths and Toyota's hybrid strategy headline research reports alongside insights on two micro-cap stocks.

Read Full Source ↗

🟢 CATALYST Yahoo • 6d ago

Top Research Reports for Alphabet, ExxonMobil & Toyota Motor

Alphabet, ExxonMobil and Toyota Motor headline today's top research reports, highlighting AI growth, energy cash generation and hybrid vehicle opportunities.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 26d ago

4 Dividend Stocks With October Payout Deadlines Right Around the Corner

Four dividend stocks have ex-dividend deadlines in the next 48 hours, and one of them stops qualifying at today's close. Yields, earnings coverage, and a few red flags worth knowing before the window shuts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 38d ago

WSBF vs. TSBK: Which Community Lender is the Better Buy?

Waterstone Financial's spread income, mortgage strength and capital position support growth, while Timberland gains from rising loans, deposits and earnings. Which is the better buy?

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 41d ago

Waterstone Financial Declares Regular Quarterly Cash Dividend

WAUWATOSA, Wis., Sept. 22, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.17 per common share. The dividend is payable on Nov

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 60d ago

WSBF Surges 43% in a Year: Reason to Buy the Stock Now?

Improving margins, stronger mortgage volumes, loan growth and solid credit quality are strengthening Waterstone Financial's earnings outlook and financial flexibility.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 95d ago

Waterstone Financial's Q2 Earnings Up Y/Y on Loan Yield Gains

WSBF's Q2 earnings per share rise year over year on higher net interest income, improved margins and community banking strength, while mortgage banking faces pressure from softer sales margins.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 187d ago

Waterstone Financial's Q1 Earnings Jump Y/Y on Mortgage Growth

WSBF doubles its Q1 earnings per share on a year-over-year basis on margin expansion and stronger mortgage activity, though higher compensation costs act as a partial offset.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WSBF Bull vs. Bear Conversation Board — What's Your Call at $19.55?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WSBF 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $21.42 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is WSBF (C- • RQD 60/100) a Buy at $19.83?

Welcome to the WSBF (Waterstone Financial Inc. (MD)) Roar Pit. Current RQD Composite is 60/100 (Roarable Hold — Cautious Neutral) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $16.26 (-18.0%)

Spot @ $19.83

Pump the brakes on WSBF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on WSBF, but look at what you are paying: 13.5x trailing P/E with tightening sector spreads. Unless Waterstone Financial Inc. (MD) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $23.00 (+16.0%)

Spot @ $19.83

WSBF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on WSBF, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $19.83 (52-wk range $15.05 - $21.66), any beat on forward guidance forces shorts and underweight funds to chase.