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Waterstone Financial, Inc (WSBF) Fair Value & Analysis

Financial Services · US · Market cap $357M

Price$20.18
Fair Value$19.01
Upside-5.8%
Quality95/100
Evidence: High Range $14.26 – $23.77

Fair value as of: Jun 26, 2026

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Analysis

Waterstone Financial, Inc (WSBF) currently trades at $20.18, while our model-based Fair Value estimate is $19.01 — implying the stock looks roughly 5.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-intere…

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Frequently asked questions

Is Waterstone Financial, Inc (WSBF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.01 versus a price of $20.18 — about −6% (overvalued). Model-based estimate, not financial advice.
What is the fair value of WSBF?
Our 21-model fair value for Waterstone Financial, Inc is $19.01 (as of Jun 26, 2026), built from audited fundamentals. The current price is $20.18.
What is the quality score of WSBF?
Waterstone Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.