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Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The vast majority of its revenue comes from the Community Banking segment.
2013
600
LTM Revenue $135M
Last FY EBITDA n/a
$715M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Waterstone Financial has a last 12-month revenue (LTM) of $135M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Waterstone Financial achieved revenue of $132M and an EBITDA of n/a.
Waterstone Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Waterstone Financial valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $135M | XXX | $132M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $18.7M | XXX | $18.7M | XXX | XXX | XXX |
| Net Margin | 14% | XXX | 14% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $408M | XXX | XXX | XXX |
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As of August 15, 2025, Waterstone Financial's stock price is $14.
Waterstone Financial has current market cap of $263M, and EV of $715M.
See Waterstone Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $715M | $263M | XXX | XXX | XXX | XXX | $1.01 |
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Start Free TrialAs of August 15, 2025, Waterstone Financial has market cap of $263M and EV of $715M.
Waterstone Financial's trades at 5.4x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Waterstone Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Waterstone Financial has a P/E ratio of 14.1x.
See valuation multiples for Waterstone Financial and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $263M | XXX | $263M | XXX | XXX | XXX |
| EV (current) | $715M | XXX | $715M | XXX | XXX | XXX |
| EV/Revenue | 5.3x | XXX | 5.4x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 14.1x | XXX | 14.1x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 15.2x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialWaterstone Financial's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.
Waterstone Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Waterstone Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Waterstone Financial and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 3% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Waterstone Financial acquired XXX companies to date.
Last acquisition by Waterstone Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . Waterstone Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Waterstone Financial founded? | Waterstone Financial was founded in 2013. |
| Where is Waterstone Financial headquartered? | Waterstone Financial is headquartered in United States of America. |
| How many employees does Waterstone Financial have? | As of today, Waterstone Financial has 600 employees. |
| Who is the CEO of Waterstone Financial? | Waterstone Financial's CEO is Mr. William F. Bruss. |
| Is Waterstone Financial publicy listed? | Yes, Waterstone Financial is a public company listed on NAS. |
| What is the stock symbol of Waterstone Financial? | Waterstone Financial trades under WSBF ticker. |
| When did Waterstone Financial go public? | Waterstone Financial went public in 2005. |
| Who are competitors of Waterstone Financial? | Similar companies to Waterstone Financial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of Waterstone Financial? | Waterstone Financial's current market cap is $263M |
| What is the current revenue of Waterstone Financial? | Waterstone Financial's last 12 months revenue is $135M. |
| What is the current EV/Revenue multiple of Waterstone Financial? | Current revenue multiple of Waterstone Financial is 5.3x. |
| Is Waterstone Financial profitable? | Yes, Waterstone Financial is EBITDA-positive (as of the last 12 months). |
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