Waterstone Net Tangible Assets vs Net Receivables Analysis

WSBF Stock

USD 13.21 0.10 0.75%

Waterstone Financial financial indicator trend analysis is more than just analyzing Waterstone Financial current accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Waterstone Financial is a good investment. Please check the relationship between Waterstone Financial Net Tangible Assets and its Net Receivables accounts. Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Waterstone Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

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

Net Tangible Assets vs Net Receivables

Net Tangible Assets vs Net Receivables Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Waterstone Financial Net Tangible Assets account and Net Receivables. At this time, the significance of the direction appears to have fragmental relationship.

The correlation between Waterstone Financial's Net Tangible Assets and Net Receivables is 0.58. Overlapping area represents the amount of variation of Net Tangible Assets that can explain the historical movement of Net Receivables in the same time period over historical financial statements of Waterstone Financial, assuming nothing else is changed. The correlation between historical values of Waterstone Financial's Net Tangible Assets and Net Receivables is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Tangible Assets of Waterstone Financial are associated (or correlated) with its Net Receivables. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Receivables has no effect on the direction of Net Tangible Assets i.e., Waterstone Financial's Net Tangible Assets and Net Receivables go up and down completely randomly.

Correlation Coefficient

0.58

Relationship Direction	Positive
Relationship Strength	Weak

View All Relationships

Net Tangible Assets

The total assets of a company minus any intangible assets such as patents, copyrights, and goodwill; it represents the physical assets of a company.

Net Receivables

Most indicators from Waterstone Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Waterstone Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Waterstone Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For more detail on how to invest in Waterstone Stock please use our How to Invest in Waterstone Financial guide.The Waterstone Financial's current Tax Provision is estimated to increase to about 10.1 M, while Selling General Administrative is projected to decrease to roughly 71.1 M.

	2022	2023	2024	2025 (projected)
Total Revenue	171.1M	177.0M	199.4M	148.9M
Interest Expense	13.3M	49.0M	67M	70.4M

Total Revenue Interest Expense

Waterstone Financial fundamental ratios Correlations

	Total Assets	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Net Debt	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Other Liab	Retained Earnings	Accounts Payable	Long Term Debt	Short Term Investments	Property Plant Equipment	Short Long Term Debt Total	Property Plant And Equipment Net	Inventory	Other Current Assets	Property Plant And Equipment Gross
Total Assets		0.5	0.56	0.63	0.54	0.23	0.64	0.43	0.27	0.38	-0.79	0.65	0.04	0.74	0.42	0.85	0.8	0.72	0.35	0.4	-0.12	0.81	0.15	-0.39	0.03	0.66
Other Current Liab	0.5		0.97	0.4	0.09	0.2	0.75	0.72	0.0	0.13	-0.58	0.13	0.04	0.31	0.18	0.55	0.71	0.53	-0.11	-0.13	-0.76	0.12	-0.39	-0.39	-0.54	0.44
Total Current Liabilities	0.56	0.97		0.39	0.18	0.12	0.77	0.72	-0.03	0.09	-0.67	0.03	-0.04	0.39	0.12	0.59	0.77	0.59	-0.22	-0.06	-0.72	0.15	-0.42	-0.53	-0.49	0.57
Total Stockholder Equity	0.63	0.4	0.39		0.59	0.0	0.7	0.64	0.34	0.23	-0.57	0.61	0.77	0.45	0.29	0.56	0.6	0.06	0.3	0.53	-0.42	0.49	0.13	-0.02	-0.41	0.24
Net Debt	0.54	0.09	0.18	0.59		-0.61	0.41	0.2	0.26	-0.33	-0.62	0.37	0.31	0.25	-0.3	0.44	0.43	0.08	0.09	0.42	0.06	0.57	0.15	-0.32	0.1	0.19
Cash	0.23	0.2	0.12	0.0	-0.61		-0.02	0.07	0.04	0.91	0.22	0.36	-0.1	0.27	0.9	0.08	0.01	0.3	0.43	0.18	-0.05	0.22	0.33	0.28	-0.08	0.12
Non Current Assets Total	0.64	0.75	0.77	0.7	0.41	-0.02		0.93	0.18	0.0	-0.8	0.25	0.35	0.72	0.05	0.64	0.82	0.5	-0.14	0.0	-0.79	0.18	-0.42	-0.46	-0.68	0.45
Non Currrent Assets Other	0.43	0.72	0.72	0.64	0.2	0.07	0.93		-0.01	0.07	-0.6	0.13	0.47	0.62	0.12	0.39	0.62	0.32	-0.27	-0.01	-0.9	0.01	-0.44	-0.42	-0.86	0.28
Other Assets	0.27	0.0	-0.03	0.34	0.26	0.04	0.18	-0.01		0.11	-0.13	0.52	0.18	0.15	0.16	0.26	0.25	-0.08	0.49	0.23	0.04	0.22	0.24	0.34	0.03	0.05
Cash And Short Term Investments	0.38	0.13	0.09	0.23	-0.33	0.91	0.0	0.07	0.11		0.15	0.52	0.09	0.29	0.99	0.11	0.03	0.2	0.53	0.56	0.06	0.49	0.57	0.29	-0.01	0.14
Common Stock Shares Outstanding	-0.79	-0.58	-0.67	-0.57	-0.62	0.22	-0.8	-0.6	-0.13	0.15		-0.23	-0.02	-0.67	0.1	-0.87	-0.93	-0.68	0.14	-0.03	0.4	-0.4	0.39	0.65	0.18	-0.76
Non Current Liabilities Total	0.65	0.13	0.03	0.61	0.37	0.36	0.25	0.13	0.52	0.52	-0.23		0.36	0.36	0.55	0.45	0.28	0.15	0.77	0.48	0.14	0.79	0.59	0.22	0.1	0.04
Other Stockholder Equity	0.04	0.04	-0.04	0.77	0.31	-0.1	0.35	0.47	0.18	0.09	-0.02	0.36		0.05	0.13	-0.04	0.02	-0.52	0.18	0.43	-0.37	0.08	0.18	0.3	-0.54	-0.33
Total Liab	0.74	0.31	0.39	0.45	0.25	0.27	0.72	0.62	0.15	0.29	-0.67	0.36	0.05		0.33	0.6	0.65	0.72	0.07	0.12	-0.32	0.39	-0.13	-0.41	-0.29	0.53
Total Current Assets	0.42	0.18	0.12	0.29	-0.3	0.9	0.05	0.12	0.16	0.99	0.1	0.55	0.13	0.33		0.16	0.09	0.22	0.57	0.56	0.02	0.49	0.56	0.32	-0.03	0.15
Other Liab	0.85	0.55	0.59	0.56	0.44	0.08	0.64	0.39	0.26	0.11	-0.87	0.45	-0.04	0.6	0.16		0.93	0.72	0.21	0.05	-0.22	0.53	-0.2	-0.39	0.03	0.77
Retained Earnings	0.8	0.71	0.77	0.6	0.43	0.01	0.82	0.62	0.25	0.03	-0.93	0.28	0.02	0.65	0.09	0.93		0.7	0.0	0.02	-0.5	0.35	-0.39	-0.5	-0.24	0.81
Accounts Payable	0.72	0.53	0.59	0.06	0.08	0.3	0.5	0.32	-0.08	0.2	-0.68	0.15	-0.52	0.72	0.22	0.72	0.7		0.03	-0.19	-0.17	0.37	-0.26	-0.55	0.06	0.73
Long Term Debt	0.35	-0.11	-0.22	0.3	0.09	0.43	-0.14	-0.27	0.49	0.53	0.14	0.77	0.18	0.07	0.57	0.21	0.0	0.03		0.41	0.4	0.58	0.74	0.63	0.37	-0.1
Short Term Investments	0.4	-0.13	-0.06	0.53	0.42	0.18	0.0	-0.01	0.23	0.56	-0.03	0.48	0.43	0.12	0.56	0.05	0.02	-0.19	0.41		0.25	0.67	0.73	0.19	0.14	0.06
Property Plant Equipment	-0.12	-0.76	-0.72	-0.42	0.06	-0.05	-0.79	-0.9	0.04	0.06	0.4	0.14	-0.37	-0.32	0.02	-0.22	-0.5	-0.17	0.4	0.25		0.34	0.62	0.29	0.93	-0.19
Short Long Term Debt Total	0.81	0.12	0.15	0.49	0.57	0.22	0.18	0.01	0.22	0.49	-0.4	0.79	0.08	0.39	0.49	0.53	0.35	0.37	0.58	0.67	0.34		0.63	-0.12	0.37	0.31
Property Plant And Equipment Net	0.15	-0.39	-0.42	0.13	0.15	0.33	-0.42	-0.44	0.24	0.57	0.39	0.59	0.18	-0.13	0.56	-0.2	-0.39	-0.26	0.74	0.73	0.62	0.63		0.57	0.45	-0.35
Inventory	-0.39	-0.39	-0.53	-0.02	-0.32	0.28	-0.46	-0.42	0.34	0.29	0.65	0.22	0.3	-0.41	0.32	-0.39	-0.5	-0.55	0.63	0.19	0.29	-0.12	0.57		0.14	-0.58
Other Current Assets	0.03	-0.54	-0.49	-0.41	0.1	-0.08	-0.68	-0.86	0.03	-0.01	0.18	0.1	-0.54	-0.29	-0.03	0.03	-0.24	0.06	0.37	0.14	0.93	0.37	0.45	0.14		0.08
Property Plant And Equipment Gross	0.66	0.44	0.57	0.24	0.19	0.12	0.45	0.28	0.05	0.14	-0.76	0.04	-0.33	0.53	0.15	0.77	0.81	0.73	-0.1	0.06	-0.19	0.31	-0.35	-0.58	0.08

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Waterstone Financial Account Relationship Matchups

Waterstone Financial fundamental ratios Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Total Assets	2.2B	2.2B	2.0B	2.2B	2.2B	1.9B
Other Current Liab	1.2B	1.2B	1.2B	1.2B	1.4B	1.1B
Total Current Liabilities	1.2B	1.2B	1.4B	1.5B	1.7B	1.2B
Total Stockholder Equity	413.1M	432.8M	370.5M	344.1M	339.1M	294.6M
Net Debt	432.2M	114.4M	350.8M	435.1M	411.1M	298.5M
Cash	75.9M	362.7M	36.0M	30.7M	35.5M	33.7M
Non Current Assets Total	1.9B	1.6B	1.7B	2.0B	2.0B	1.5B
Non Currrent Assets Other	109.5M	103.9M	94.6M	146.9M	148.0M	155.4M
Other Assets	1.8B	1.5B	1.6B	2.0B	284.2M	270.0M
Cash And Short Term Investments	235.5M	541.8M	232.5M	235.8M	191.2M	206.9M
Common Stock Shares Outstanding	24.6M	23.9M	22.0M	20.2M	18.6M	24.9M
Liabilities And Stockholders Equity	2.2B	2.2B	2.0B	2.2B	2.2B	1.9B
Non Current Liabilities Total	548.5M	542.6M	275.4M	367.7M	214.1M	316.3M
Other Stockholder Equity	165.3M	160.3M	115.5M	92.0M	80.5M	134.8M
Total Liab	1.8B	1.8B	1.7B	1.9B	1.9B	1.6B
Total Current Assets	293.1M	586.9M	292.3M	235.8M	191.2M	224.4M
Other Liab	50.6M	62.4M	72.6M	57.6M	66.2M	43.1M
Retained Earnings	245.3M	273.4M	274.2M	269.6M	277.2M	188.8M
Accounts Payable	1.1B	1.2B	1.2B	1.2B	1.4B	1.2B
Long Term Debt	508.1M	477.1M	386.8M	155M	150M	142.5M
Short Term Investments	159.6M	179.0M	196.6M	204.9M	155.8M	148.8M
Property Plant Equipment	25.0M	30.3M	22.3M	21.1M	19.0M	24.0M
Short Long Term Debt Total	508.1M	477.1M	386.8M	466.1M	446.5M	443.6M
Property Plant And Equipment Net	23.7M	22.3M	21.1M	20.0M	19.4M	20.1M
Inventory	322K	148K	145K	(1.6B)	(1.5B)	(1.4B)
Other Current Assets	57.5M	45.1M	59.8M	36.7M	42.2M	43.6M
Property Plant And Equipment Gross	23.7M	54.8M	54.6M	54.7M	54.2M	34.4M
Accumulated Other Comprehensive Income	2.3M	(1.1M)	(19.5M)	(17.8M)	(18.8M)	(17.8M)
Short Term Debt	38.1M	7.1M	185.7M	309M	296.5M	311.3M
Net Receivables	1.4B	1.2B	1.5B	1.6B	1.7B	1.2B
Common Stock	251K	248K	222K	203K	193K	238.2K
Net Tangible Assets	393.7M	413.1M	432.8M	370.5M	426.1M	404.4M
Good Will	167.3M	192.1M	199.2M	1.8B	2.1B	2.2B
Long Term Investments	159.6M	179.0M	196.6M	204.9M	208.5M	296.8M
Intangible Assets	6.0M	1.6M	3.4M	1.8M	2.1M	2.3M

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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

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Is Waterstone Stock a good investment?

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What is Waterstone Financial's Net Worth?

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Largest Commercial & Residential Mortgage Finance Companies

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Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Waterstone Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

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 Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.

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.

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Waterstone Net Tangible Assets vs Net Receivables Analysis

Net Tangible Assets vs Net Receivables

Net Tangible Assets vs Net Receivables Correlation Analysis

Correlation Coefficient

Net Tangible Assets

Net Receivables

Waterstone Financial fundamental ratios Correlations

Waterstone Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Waterstone Financial fundamental ratios Accounts

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Total Current Assets	+ 0.99	Cash And Short Term Investments
Total Current Liabilities	+ 0.97	Other Current Liab
Non Currrent Assets Other	+ 0.93	Non Current Assets Total
Retained Earnings	+ 0.93	Other Liab
Other Current Assets	+ 0.93	Property Plant Equipment
Cash And Short Term Investments	+ 0.91	Cash

Retained Earnings	- 0.93	Common Stock Shares Outstanding
Property Plant Equipment	- 0.9	Non Currrent Assets Other
Other Liab	- 0.87	Common Stock Shares Outstanding
Other Current Assets	- 0.86	Non Currrent Assets Other
Common Stock Shares Outstanding	- 0.8	Non Current Assets Total
Property Plant Equipment	- 0.79	Non Current Assets Total