Waterstone Financial Stock Z Score

WSBF Stock

USD 13.21 0.10 0.75%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Waterstone Financial Piotroski F Score and Waterstone Financial Valuation analysis.

For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.

Build AI portfolio with Waterstone Stock

At this time, Waterstone Financial's Long Term Debt To Capitalization is most likely to slightly decrease in the upcoming years. The Waterstone Financial's current Total Debt To Capitalization is estimated to increase to 0.63, while Capital Stock is projected to decrease to roughly 191.2 K. At this time, Waterstone Financial's EBIT is most likely to increase significantly in the upcoming years. The Waterstone Financial's current EBITDA is estimated to increase to about 28.2 M, while Gross Profit is projected to decrease to roughly 111.2 M.

Waterstone Financial Company Z Score Analysis

Waterstone Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Waterstone Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Waterstone Financial is extremely important. It helps to project a fair market value of Waterstone Stock properly, considering its historical fundamentals such as Z Score. Since Waterstone Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Waterstone Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Waterstone Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Total Liab	Total Current Assets	Retained Earnings	Accounts Payable	Long Term Debt	Short Term Investments	Property Plant Equipment	Short Term Debt	Net Receivables	Common Stock	Treasury Stock	Net Tangible Assets	Good Will	Long Term Debt Total	Capital Surpluse	Long Term Investments	Intangible Assets	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.63	0.54	0.74	0.42	0.8	0.72	0.35	0.4	-0.12	0.36	0.91	-0.71	-0.86	0.68	0.41	-0.15	0.31	-0.73	0.42	-0.45	-0.37	0.32	-0.56
Total Stockholder Equity	0.63		0.59	0.45	0.29	0.6	0.06	0.3	0.53	-0.42	0.04	0.62	-0.43	-0.85	0.8	0.04	0.08	0.65	-0.85	0.21	-0.73	-0.24	0.36	-0.13
Net Debt	0.54	0.59		0.25	-0.3	0.43	0.08	0.09	0.42	0.06	0.3	0.77	-0.52	-0.71	0.29	0.3	-0.1	0.22	-0.44	0.17	-0.43	-0.31	0.06	-0.31
Total Liab	0.74	0.45	0.25		0.33	0.65	0.72	0.07	0.12	-0.32	0.37	0.6	-0.65	-0.64	0.63	0.42	-0.18	0.36	-0.7	0.11	-0.38	-0.35	0.22	-0.52
Total Current Assets	0.42	0.29	-0.3	0.33		0.09	0.22	0.57	0.56	0.02	-0.2	0.18	0.19	-0.16	0.52	-0.25	0.23	0.4	-0.37	0.28	-0.04	0.25	0.28	0.2
Retained Earnings	0.8	0.6	0.43	0.65	0.09		0.7	0.0	0.02	-0.5	0.46	0.71	-0.91	-0.81	0.58	0.47	-0.15	0.16	-0.71	0.36	-0.52	-0.4	0.31	-0.73
Accounts Payable	0.72	0.06	0.08	0.72	0.22	0.7		0.03	-0.19	-0.17	0.49	0.56	-0.71	-0.44	0.36	0.57	-0.38	-0.05	-0.39	0.33	-0.12	-0.43	0.12	-0.74
Long Term Debt	0.35	0.3	0.09	0.07	0.57	0.0	0.03		0.41	0.4	-0.62	0.26	0.26	-0.27	0.17	-0.58	0.46	0.01	-0.12	0.27	-0.3	0.17	0.57	0.39
Short Term Investments	0.4	0.53	0.42	0.12	0.56	0.02	-0.19	0.41		0.25	0.03	0.5	0.12	-0.35	0.42	-0.14	0.24	0.51	-0.36	0.19	-0.05	0.25	-0.01	0.21
Property Plant Equipment	-0.12	-0.42	0.06	-0.32	0.02	-0.5	-0.17	0.4	0.25		-0.29	-0.02	0.44	0.32	-0.6	-0.28	0.15	-0.5	0.64	-0.05	0.37	0.3	-0.03	0.3
Short Term Debt	0.36	0.04	0.3	0.37	-0.2	0.46	0.49	-0.62	0.03	-0.29		0.45	-0.65	-0.27	0.27	0.89	-0.66	0.17	-0.31	0.23	0.24	-0.38	-0.59	-0.83
Net Receivables	0.91	0.62	0.77	0.6	0.18	0.71	0.56	0.26	0.5	-0.02	0.45		-0.69	-0.86	0.58	0.46	-0.18	0.34	-0.67	0.29	-0.41	-0.43	0.1	-0.54
Common Stock	-0.71	-0.43	-0.52	-0.65	0.19	-0.91	-0.71	0.26	0.12	0.44	-0.65	-0.69		0.75	-0.43	-0.7	0.41	-0.09	0.6	-0.2	0.43	0.58	-0.06	0.88
Treasury Stock	-0.86	-0.85	-0.71	-0.64	-0.16	-0.81	-0.44	-0.27	-0.35	0.32	-0.27	-0.86	0.75		-0.7	-0.33	0.14	-0.42	0.83	-0.23	0.71	0.49	-0.3	0.5
Net Tangible Assets	0.68	0.8	0.29	0.63	0.52	0.58	0.36	0.17	0.42	-0.6	0.27	0.58	-0.43	-0.7		0.27	-0.17	0.83	-0.96	0.34	-0.5	-0.34	0.15	-0.27
Good Will	0.41	0.04	0.3	0.42	-0.25	0.47	0.57	-0.58	-0.14	-0.28	0.89	0.46	-0.7	-0.33	0.27		-0.79	0.11	-0.3	0.06	0.14	-0.63	-0.44	-0.87
Long Term Debt Total	-0.15	0.08	-0.1	-0.18	0.23	-0.15	-0.38	0.46	0.24	0.15	-0.66	-0.18	0.41	0.14	-0.17	-0.79		-0.1	0.13	-0.06	-0.15	0.71	0.61	0.68
Capital Surpluse	0.31	0.65	0.22	0.36	0.4	0.16	-0.05	0.01	0.51	-0.5	0.17	0.34	-0.09	-0.42	0.83	0.11	-0.1		-0.76	0.07	-0.37	-0.27	-0.13	0.07
Long Term Investments	-0.73	-0.85	-0.44	-0.7	-0.37	-0.71	-0.39	-0.12	-0.36	0.64	-0.31	-0.67	0.6	0.83	-0.96	-0.3	0.13	-0.76		-0.28	0.64	0.41	-0.19	0.36
Intangible Assets	0.42	0.21	0.17	0.11	0.28	0.36	0.33	0.27	0.19	-0.05	0.23	0.29	-0.2	-0.23	0.34	0.06	-0.06	0.07	-0.28		-0.01	0.09	0.12	-0.26
Short Long Term Debt	-0.45	-0.73	-0.43	-0.38	-0.04	-0.52	-0.12	-0.3	-0.05	0.37	0.24	-0.41	0.43	0.71	-0.5	0.14	-0.15	-0.37	0.64	-0.01		0.32	-0.54	0.01
Earning Assets	-0.37	-0.24	-0.31	-0.35	0.25	-0.4	-0.43	0.17	0.25	0.3	-0.38	-0.43	0.58	0.49	-0.34	-0.63	0.71	-0.27	0.41	0.09	0.32		0.26	0.6
Net Invested Capital	0.32	0.36	0.06	0.22	0.28	0.31	0.12	0.57	-0.01	-0.03	-0.59	0.1	-0.06	-0.3	0.15	-0.44	0.61	-0.13	-0.19	0.12	-0.54	0.26		0.26
Capital Stock	-0.56	-0.13	-0.31	-0.52	0.2	-0.73	-0.74	0.39	0.21	0.3	-0.83	-0.54	0.88	0.5	-0.27	-0.87	0.68	0.07	0.36	-0.26	0.01	0.6	0.26

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Waterstone Financial

As per the company's disclosures, Waterstone Financial has a Z Score of 0.0. This is 100.0% lower than that of the Financial Services sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Waterstone Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Waterstone Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Waterstone Financial's managers, analysts, and investors.

Environmental

Governance

Social

Waterstone Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Waterstone Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Waterstone Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Waterstone Financial's value.

		Shares
American Century Companies Inc	2025-03-31	154.3 K
Arrowstreet Capital Limited Partnership	2025-03-31	146.1 K
Charles Schwab Investment Management Inc	2025-03-31	143.5 K
Goldman Sachs Group Inc	2025-03-31	105.7 K
John G Ullman & Associates Inc	2025-03-31	92.7 K
Empowered Funds, Llc	2025-03-31	83.6 K
Jpmorgan Chase & Co	2025-03-31	80.6 K
Citadel Advisors Llc	2025-03-31	80.2 K
Bank Of New York Mellon Corp	2025-03-31	77.9 K
Blackrock Inc	2025-03-31	1.8 M
Dimensional Fund Advisors, Inc.	2025-03-31	1.5 M

Waterstone Fundamentals

	Return On Equity	0.0612
	Return On Asset	0.0091
	Profit Margin	0.15 %
	Operating Margin	0.25 %
	Current Valuation	636.04 M
	Shares Outstanding	18.78 M
	Shares Owned By Insiders	19.58 %
	Shares Owned By Institutions	52.63 %
	Number Of Shares Shorted	90.84 K
	Price To Earning	4.18 X
	Price To Book	0.74 X
	Price To Sales	1.86 X
	Revenue	199.38 M
	Gross Profit	134.2 M
	EBITDA	26.48 M
	Net Income	18.69 M
	Cash And Equivalents	103.14 M
	Cash Per Share	4.83 X
	Total Debt	446.52 M
	Debt To Equity	3.50 %
	Book Value Per Share	18.98 X
	Cash Flow From Operations	48.06 M
	Short Ratio	1.82 X
	Earnings Per Share	1.13 X
	Target Price	12.5
	Number Of Employees	600
	Beta	0.73
	Market Capitalization	249.91 M
	Total Asset	2.21 B
	Retained Earnings	277.2 M
	Annual Yield	0.04 %
	Five Year Return	3.21 %
	Net Asset	2.21 B
	Last Dividend Paid	0.6

About Waterstone Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Waterstone Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Waterstone Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Waterstone Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Currently Active Assets on Macroaxis

USOI	Credit Suisse X Links
ULTY	Tidal Trust II
CONY	YieldMax N Option
BCAT	BlackRock Capital Allocation
PDI	Pimco Dynamic Income

When determining whether Waterstone Financial is a strong investment it is important to analyze Waterstone Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Waterstone Financial's future performance. For an informed investment choice regarding Waterstone Stock, refer to the following important reports:

How To Invest In Waterstone

Details

Is Waterstone Stock a good investment?

Details

What is Waterstone Financial's Net Worth?

Details

Largest Commercial & Residential Mortgage Finance Companies

View

Largest Financial Services Companies

View

Check out Waterstone Financial Piotroski F Score and Waterstone Financial Valuation analysis.

For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.

You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.

Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Waterstone Financial. If investors know Waterstone will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Waterstone Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.393

Dividend Share

0.6

Earnings Share

1.13

Revenue Per Share

7.36

Quarterly Revenue Growth

0.017

The market value of Waterstone Financial is measured differently than its book value, which is the value of Waterstone that is recorded on the company's balance sheet. Investors also form their own opinion of Waterstone Financial's value that differs from its market value or its book value, called intrinsic value, which is Waterstone Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Waterstone Financial's market value can be influenced by many factors that don't directly affect Waterstone Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Waterstone Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Waterstone Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Waterstone Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2025 Macroaxis LLC

Waterstone Financial Stock Z Score

Waterstone Financial Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Waterstone Z Score Driver Correlations

Waterstone Financial ESG Sustainability

Waterstone Financial Institutional Holders

Waterstone Fundamentals

About Waterstone Financial Fundamental Analysis

Currently Active Assets on Macroaxis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY