Waterstone Financial

Waterstone Financial EV/EBIT

The EV/EBIT (Enterprise Value to EBIT) of Waterstone Financial (WSBF) as of Nov 5, 2026 is 9.69. In the previous year, EV/EBIT (Enterprise Value to EBIT) was 13.50 — a change of -28.23% (lower).

EV/EBIT

9.69

YoY

-28.23%

Last updated:

EV/EBIT (Enterprise Value to EBIT) of Waterstone Financial is 2025 9.69 . EV/EBIT (Enterprise Value to EBIT) of Waterstone Financial was 2024 13.50 . It decreases by -28.23% lower compared to the previous year.

The Waterstone Financial EV/EBIT history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EV/EBIT
Date
EV/EBIT
Jan 1, 2018
8.04 USD
Jan 1, 2019
6.81 USD
Jan 1, 2020
3.00 USD
Jan 1, 2021
3.52 USD
Jan 1, 2022
13.24 USD
Jan 1, 2023
29.37 USD
Jan 1, 2024
13.50 USD
Jan 1, 2025
9.69 USD
The Waterstone Financial EV/EBIT history
YEAREV/EBITYoY
9.69-28.23%
13.50-54.04%
29.37+121.89%
13.24+276.27%
3.52+17.38%
3.00-56.00%
6.81-15.33%
8.04+10.31%
7.29-5.49%
7.72-38.52%
12.55-22.90%
16.28+8.88%
14.95+38.94%
10.76-228.25%
-8.39-84.90%
-55.57+910.36%
-5.50+29.41%
-4.25-102.25%
188.64+561.66%
28.51—

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Waterstone Financial Valuation

Details

Historical Valuation Multiples

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Price-to-Earnings Ratio (P/E)

The P/E ratio divides Waterstone Financial's share price by its earnings per share. It tells you how many years of current earnings you are "paying for" when you buy the stock. A P/E of 20 means you pay $20 for every $1 of annual earnings. The S&P 500 historically trades at an average P/E of roughly 15–17. A P/E significantly above that may signal high growth expectations; one below may indicate undervaluation — or declining business quality.

Price-to-Sales Ratio (P/S)

The P/S ratio divides market capitalization by total revenue. Unlike the P/E ratio, it works even for companies that are not yet profitable, making it essential for evaluating high-growth firms. A P/S below 1.0 may indicate undervaluation, while ratios above 10 are typically reserved for fast-growing tech or SaaS companies with high expected future margins.

Price-to-EBIT Ratio

This ratio relates Waterstone Financial's market price to its operating earnings, excluding the effects of debt structure and tax jurisdiction. It is particularly useful for comparing companies across different countries or with different levels of leverage, because it focuses purely on operational profitability. Lower values suggest cheaper operational earnings.

How to Use This Chart

This chart plots Waterstone Financial's valuation multiples over time. Compare the current P/E, P/S, and P/EBIT to their own historical averages — if the current ratio is well below the multi-year average, the stock may be relatively cheap compared to its own track record. Combine this with industry comparisons: a P/E that looks high in absolute terms may be justified if Waterstone Financial grows earnings faster than its peers.

Waterstone Financial Stock analysis

What does Waterstone Financial do? Waterstone Financial Inc is a financial services company headquartered in Wauwatosa, Wisconsin, specializing in mortgage and banking services. The company was founded in 1921 as Wauwatosa Building and Loan Association and has undergone remarkable development over the years. The Wauwatosa Building and Loan Association was originally established to provide home loans in the Wauwatosa region of Milwaukee. The company quickly grew and expanded its services to other parts of Wisconsin. In 2008, the company was renamed Waterstone Mortgage Corporation and expanded its business model to include additional mortgage products and services. In 2012, the company went public under the ticker "WSBF". Since 2015, the company has offered deposit-taking services under the name Waterstone Bank. Waterstone Financial Inc's business model primarily focuses on providing mortgages and related services. Waterstone Mortgage is a significant part of the company and offers a wide range of mortgage products, including fixed and variable interest rates, lending under the Basel credit system, and lending in accordance with Fannie Mae and Freddie Mac guidelines. The company has a network of over 1,200 independent mortgage brokers who sell its products. Waterstone Financial has also expanded its services through its Waterstone Bank. The bank offers retail banking services, including savings accounts, checking accounts, securities custody, online and mobile banking services, and credit cards. The bank has eight branches in Wisconsin and has aligned its business strategy towards expansion and growth through acquisitions. Waterstone Mortgage offers a variety of mortgage products to meet customer needs. The company offers conventional, FHA, VA, and jumbo mortgages. It also offers specialized mortgage products such as low down payment loans and loans for individuals with poor credit. Waterstone Bank offers checking accounts, savings accounts, and credit cards. It also provides a mobile banking service that allows customers to manage their accounts and make transfers without visiting a branch. Waterstone Financial Inc has undergone impressive development in recent years and plans to continue expanding. The company has focused on expanding its mortgage business so far and plans to further grow through acquisitions and partnerships in this sector. It also plans to expand the business of Waterstone Bank and expand into neighboring states. In terms of the 2021 fiscal year, the company is focused on improving sales processes to enhance the productivity of its mortgage teams, as well as investing in digital technology to improve the customer experience and increase efficiency. Therefore, Waterstone Financial Inc continues to leverage its strong market position and pursue its growth strategy. Waterstone Financial is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Waterstone Financial stock

EV/EBIT (Enterprise Value to EBIT) of Waterstone Financial is 9.69 in 2025.

EV/EBIT (Enterprise Value to EBIT) of Waterstone Financial changed from 13.50 to 9.69, representing a -28.23% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EV/EBIT (Enterprise Value to EBIT) Waterstone Financial since 2006 – with annual values, charts, and detailed analysis.

The EV/EBIT ratio measures a company's enterprise value relative to its operating earnings. It accounts for debt, making it useful for comparing companies with different capital structures.

EV/EBIT = Enterprise Value / Earnings Before Interest and Taxes

To evaluate EV/EBIT (Enterprise Value to EBIT)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EV/EBIT (Enterprise Value to EBIT).

A 'good' varies by industry and company stage. On Eulerpool, you can compare EV/EBIT (Enterprise Value to EBIT)'s Waterstone Financial with sector peers and the industry average to assess whether it is attractive.

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