OakChart

Waterstone Financial Inc

WSBFFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 11:43 AM ET

20.160.00 (0.00%)
2026-11-11 17:50 CET
Market cap
362.42 USD m
Revenue, TTM
- USD m
Net income, TTM
30.10 USD m
Free cash flow, TTM
37.61 USD m
EPS diluted, TTM
1.73
P/E
11.68
Compare

Price

WSBF against its 20, 50 and 200-day averages
2050200
18.0020.00222K445KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26WSBFclose 20.1620-day 19.9450-day 20.24200-day 19.3020.1652w high

6.9% under the 52-week high of 21.66 on 11 Sep 2026. 52-week low 15.11 on 19 Nov 2025. Last 15 sessions, 7.5% high to low

Profile

WSBF
52-week range, 77% of the way up
15.1121.66

Waterstone Financial, Inc. is a loan holding company, which provides principal lending activities. The firm offers real estate and commercial business loans, and consumer loans. It operates through the following segments: Community Banking, Mortgage Banking, and Holding Company and Other. The Community Banking segment provides consumer and business banking products and services to customers primarily within Southeastern Wisconsin. The Mortgage Banking segment is involved in residential mortgage loans for the primary purpose of sale in the secondary market. The company was founded in 1921 and is headquartered in Wauwatosa, WI.

IndexRUT
Employees593
IPOOct 05, 2005
Beta0.75
ATR, 14d0.51
Rel volume0.03
Short float2.93%
Insider own17.23%
Inst own55.37%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap362.42M
Enterprise Value-
Income30.10M
Sales206.76M
Book/sh19.53
Cash/sh-
Dividend Est.-
Dividend TTM0.66 (3.27%)
Dividend Ex-DateOct 08, 2026
Dividend Gr. 3/5Y-9.14% 1.39%
Payout40.60%
Employees593
IPOOct 05, 2005

Ratios

P/E11.68
Forward P/E-
PEG-
P/S1.75
P/B1.03
P/C-
P/FCF9.64
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.03
Debt/Eq1.17
LT Debt/Eq0.61
Option/ShortYes / Yes

Earnings

EPS (ttm)1.73
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y18.62% -14.83%
Sales past 3/5Y2.70% -8.97%
EPS Y/Y TTM52.13%
Sales Y/Y TTM4.60%
EPS Q/Q14.73%
Sales Q/Q1.47%
Earnings-
EPS/Sales Surpr.- -

Ownership

Insider Own17.23%
Insider Trans-0.58%
Inst Own55.37%
Inst Trans3.71%
ROA1.33%
ROE8.69%
ROIC5.34%
Gross Margin-
Oper. Margin18.42%
Profit Margin14.56%
SMA201.09%
SMA50-0.39%
SMA2004.46%
Trades-

Technical

Shs Outstand17.98M
Shs Float14.88M
Short Float2.93%
Short Ratio6.04
Short Interest0.44M
52W High21.66 -6.93%
52W Low15.11 33.42%
Volatility3.53% 2.43%
ATR (14)0.51
RSI (14)52.06
Beta0.75
Rel Volume0.03
Avg Volume72.15K
Volume743

Performance

Perf Week-1.66%
Perf Month1.87%
Perf Quarter-5.84%
Perf Half Y9.51%
Perf YTD21.81%
Perf Year29.65%
Perf 3Y79.68%
Perf 5Y-6.34%
Perf 10Y37.21%
Recom3.00
Target Price16.00
Prev Close20.16
Price20.16
Change %0.00%

Analyst ratings

latest 6 of 6
DateActionAnalystRating changeTargetImplied
Feb 26, 2021DowngradePPiper SandlerOverweight → Neutral$20.50+1.7%
Oct 24, 2019UpgradeSSandler O'NeillHold → Buy$19.50-3.3%
Oct 31, 2017DowngradeSSandler O'NeillBuy → Hold
Sep 07, 2017UpgradeSSandler O'NeillHold → Buy
Aug 02, 2016UpgradeSSandler O'NeillHold → Buy
Mar 18, 2016InitiatedSSandler O'NeillHold

Peers

Mkt cap
TickerCompanyMkt cap
FSBWFS Bancorp Inc339.13M
CZWICitizens Community Bancorp Inc MD223.20M
KRNYKearny Financial Corp598.37M
PROVProvident Financial Holdings Inc110.98M
BFCBank First Corp1.66B
FBIZFirst Business Financial Services Inc621.66M
TSBKTimberland Bancorp Inc373.39M
WNEBWestern New England Bancorp Inc269.50M
NECBNorthEast Community Bancorp Inc398.11M
NICNicolet Bankshares Inc3.63B

Insider trading

latest 14 of 17
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Gordon Ryan JEVP/Chief Credit OfficerAug 13 '26Option Exercise17.2010,000172,00019,768Aug 17 03:47 PM
Gordon Ryan JEVP/Chief Credit OfficerAug 13 '26Sale21.148,157172,40611,611Aug 17 03:47 PM
Ryan GordonOfficerAug 13 '26Proposed Sale21.138,157172,357Aug 14 01:28 PM
Gerke Mark RaymondEVP/Chief Financial OfficerMay 21 '26Option Exercise14.9810,000149,80040,034May 22 08:45 AM
Gerke Mark RaymondEVP/Chief Financial OfficerMay 21 '26Sale18.3410,000183,43530,034May 22 08:45 AM
Mark GerkeOfficerMay 21 '26Proposed Sale18.5010,000185,000May 21 12:00 PM
Gordon Douglas SDirectorFeb 18 '26Sale18.112,88052,157556,773Feb 20 11:22 AM
Gordon Douglas SDirectorFeb 06 '26Sale18.276,765123,563559,653Feb 10 04:26 PM
Gordon Douglas SDirectorFeb 05 '26Sale18.2518,716341,567566,418Feb 06 09:12 AM
Gordon Douglas SDirectorFeb 04 '26Sale18.5515,000278,265585,134Feb 06 09:12 AM
Lawton Patrick SDirectorFeb 03 '26Sale18.5330,000555,90019,255Feb 05 08:29 AM
Lawton Patrick SDirectorFeb 04 '26Sale18.6419,255358,9130Feb 05 08:29 AM
Gordon Douglas SDirectorFeb 04 '26Proposed Sale18.4471,5551,319,474Feb 04 01:49 PM
Glynn Julie AnnEVP/Chief Retail OfficerFeb 02 '26Option Exercise17.3520,000347,00030,000Feb 04 09:25 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFMCU.S. Micro Cap Portfolio ETF Class Shares-
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B

News

latest 14 of 206
  • Top Research Reports for Alphabet, ExxonMobil & Toyota Motor (Zacks)
  • Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
  • Top Analyst Reports for Costco, Chevron & Home Depot (Zacks)
  • Waterstone: Q2 Earnings Snapshot (Associated Press)
  • Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2026 (GlobeNewswire)
  • Loading…
  • Waterstone Financial Declares Regular Quarterly Cash Dividend (GlobeNewswire)
  • Waterstone Financial, Inc. Announces Expansion of Share Repurchase Program (GlobeNewswire)
  • Waterstone Financial Inc (WSBF) Q1 2026 Earnings Call Highlights: Solid Net Income Amid Loan ... (GuruFocus.com)
  • Waterstone: Q1 Earnings Snapshot (Associated Press)
  • Waterstone Financial, Inc. Announces Results of Operations for the Three Months Ended March 31, 2026 (GlobeNewswire)
  • Waterstone Financial Raises Quarterly Cash Dividend by 13.3% (GlobeNewswire)
  • The Zacks Analyst Blog Amazon, Micron, Bank of America, Waterstone and Crown Crafts (Zacks)
  • Top Analyst Reports for Amazon, Micron Technology & Bank of America (Zacks)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q12026-04-23--0.34435.69--
2025Q42026-01-28--0.44137.17--
2025Q32025-10-23--0.44937.04--
2025Q22025-07-22--0.42938.04--
2025Q12025-04-22--0.16629.67--
2024Q42025-01-280.280-0.28031.84--
2024Q32024-10-220.260-0.25634.07--
2024Q22024-07-250.310-0.30837.18--
2024Q12024-04-300.160-0.16032.39--
2023Q42024-01-300.000--0.00228.63--
2023Q32023-10-240.1600.2300.16334.2236.601
2023Q22023-07-250.2000.2600.19636.2037.701
2023Q12023-04-250.1000.0700.10332.3528.201
2022Q42023-01-260.0400.1500.04232.7135.601
2022Q32022-10-260.2500.2900.24642.8039.401
2022Q22022-07-210.3600.3700.35930.5046.701

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2010FY-0.055-0.071-0.05588.6580.00
2012FY1.021-1.02187.38-
2015FY0.560-0.562--
2016FY0.9300.9200.932169.81-
2017FY1.0301.0300.931175.15173.8
2018FY1.1101.1501.113172.38176.3
2019FY1.3701.2901.368182.95179.3
2020FY3.3003.0103.298297.52286.6
2021FY2.9602.7502.958258.71255.3
2022FY0.8900.9900.885162.51165.4
2023FY0.460-0.464131.4-
2024FY1.010-1.010135.47-

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2024Q3S2023-10-1110139.5039.5039.50
2024Q3S2023-10-1010139.5039.5039.50
2024Q3S2023-10-0910139.5039.5039.50
2024Q3S2023-10-0810139.5039.5039.50
2024Q3S2023-10-0710139.5039.5039.50
2024Q3S2023-10-0410139.5039.5039.50
2024Q3S2023-10-0310139.5039.5039.50
2024Q3S2023-10-0210139.5039.5039.50
2024Q3S2023-10-0110139.5039.5039.50
2024Q3S2023-09-3010139.5039.5039.50
2024Q3S2023-09-2710139.5039.5039.50
2024Q3S2023-09-2610139.5039.5039.50
2024Q3S2023-09-2510139.5039.5039.50
2024Q3S2023-09-2410140.2040.2040.20

Estimate history

EPS, annual0.9311.1131.3683.2982.9580.8850.4641.0051.4781.7256
Period201720182019202020212022202320242025TTM
EPS, quarterly0.3080.2560.2830.1660.4290.4490.4410.3440.492
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Sales, annual191.508191.899210.491322.501273.081186.126181.919202.836201.607206.76
Period201720182019202020212022202320242025TTM
Sales, quarterly54.51651.74348.04544.86253.02251.85451.86949.24153.799
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Shares, annual29.50128.46327.14825.08824.79522.17420.31519.34318.3617.975
Period201720182019202020212022202320242025MRQ
Shares, quarterly19.47919.45719.34319.28118.77618.52418.3618.14617.975
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income118.27116.11113.1799.2170.2569.8878.4879.7473.70
Total Interest Expense56.3559.3767.0048.9913.2914.3724.9827.5419.52
Net Interest Income61.9256.7346.1750.2256.9555.5253.5052.2054.18
Loan Loss Provision-0.33-1.39-0.170.660.97-3.996.34-0.90-1.06
Net Interest Income After Loan Loss Provision62.2558.1346.3449.5655.9959.5147.1653.1055.24
Non-Interest Income88.4985.5089.6782.71115.88203.20244.02130.75118.20
Non-Interest Expense112.66110.18112.00121.24147.39170.59183.06136.27133.16
Operating Income38.0833.4524.0011.0324.4892.11108.1247.5740.28
Unusual Expense-0.000.000.000.000.000.000.000.00
Net Income Before Taxes38.0833.4524.0011.0324.4892.11108.1247.5740.28
Income Taxes7.987.045.311.664.9921.3226.9711.679.53
Consolidated Net Income30.1026.4018.699.3819.4970.7981.1435.9030.75
Net Income From Continuing Operations30.1026.4018.699.3819.4970.7981.1435.9030.75
Net Income30.1026.4018.699.3819.4970.7981.1435.9030.75
EPS (Recurring)1.751.481.010.460.892.963.301.371.11
EPS (Basic, Before Extraordinaries)1.731.481.010.470.892.983.321.381.12
EPS (Diluted)1.731.481.010.460.892.963.301.371.11
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-0.230.250.280.580.740.520.761.28
Price To Earnings Ratio11.6811.6818.6328.2012.887.285.3812.6113.28
Price To Sales Ratio1.721.471.231.582.041.921.442.372.41
Operating Margin18.4216.5911.836.0613.1533.7333.5222.6020.99
Net Margin14.5613.109.215.1510.4725.9225.1617.0616.03
Shares Outstanding17.9818.3619.3420.3122.1724.8025.0927.1528.46
Market Capitalization362.42362.42260.37292.19382.56532.86451.81469.25425.89

Income statement, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q3
Interest Income29.5929.0230.1129.5628.6827.7529.0529.19
Total Interest Expense13.5813.5514.4014.8214.9815.1816.2217.67
Net Interest Income16.0115.4615.7114.7413.7112.5812.8411.52
Loan Loss Provision0.240.26-0.56-0.27-0.01-0.560.37-0.38
Net Interest Income After Loan Loss Provision15.7715.2016.2715.0113.7213.1312.4711.89
Non-Interest Income24.2120.2321.7622.3024.3417.1118.9922.55
Non-Interest Expense29.3527.8727.9827.4628.3926.3625.2528.56
Operating Income10.637.5510.059.849.673.886.215.89
Unusual Expense0.00-0.000.000.000.000.000.00
Net Income Before Taxes10.637.5510.059.849.673.886.215.89
Income Taxes2.171.552.341.921.940.841.001.16
Consolidated Net Income8.466.007.717.937.733.045.214.73
Net Income From Continuing Operations8.466.007.717.937.733.045.214.73
Net Income8.466.007.717.937.733.045.214.73
EPS (Recurring)0.490.340.440.450.430.17-0.26
EPS (Basic, Before Extraordinaries)0.490.350.440.450.430.170.280.26
EPS (Diluted)0.490.340.440.450.430.170.280.26
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.120.12-0.120.080.060.080.08
Price To Earnings Ratio11.6812.1512.4713.7513.6313.3618.6320.37
Price To Sales Ratio1.721.531.441.391.261.231.221.37
Operating Margin19.7715.3419.3818.9818.248.6512.9211.38
Net Margin15.7312.1814.8715.2914.576.7710.849.14
Shares Outstanding17.9818.1518.3618.5218.7819.2819.3419.46
Market Capitalization362.42331.03305.46291.40263.43259.85260.37286.02

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks63.5635.1830.6733.70343.0256.1952.8148.2322.31
Investments411.56381.91408.58372.30551.48630.81443.04386.55394.48
Net Loans1,658.071,662.331,645.671,492.421,190.011,356.311,375.641,365.901,277.74
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.420.510.250.140.150.320.752.154.56
Net Property, Plant & Equipment18.8619.3920.0021.1128.0730.3233.4324.5222.94
Interest Receivables0.000.000.000.000.000.000.000.000.00
Deferred Tax Assets10.1812.5713.8215.047.6010.106.515.786.07
Other Intangible Assets98.6499.3596.0799.3397.82105.22107.3882.8479.38
Total Assets2,261.282,211.232,215.052,034.042,218.142,189.281,999.441,915.981,807.47
Total Deposits1,437.271,359.901,190.621,199.011,233.391,184.871,067.781,038.49967.38
Total Debt412.26446.52611.05386.78483.39515.21492.44435.05386.29
Long Term Debt190.00150.00300.00200.00473.75474.41475.66430.00275.00
Provision for Risks Charges0.741.200.000.000.000.000.000.000.00
Deferred Tax Liabilities1.781.621.662.372.284.703.090.601.06
Other Liabilities59.8462.8667.6675.3966.3171.3943.1242.1640.63
Total Liabilities1,911.891,872.101,870.991,663.551,785.361,776.161,606.431,516.301,395.36
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity349.39339.13344.06370.49432.77413.12393.69399.68412.10
Total Shareholders Equity349.39339.13344.06370.49432.77413.12393.69399.68412.10
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity349.39339.13344.06370.49432.77413.12393.69399.68412.10
Total Liabilities & Stockholders Equity2,261.282,211.232,215.052,034.042,218.142,189.282,000.121,915.981,807.47
Book Value Per Share19.0317.5316.9416.7117.4516.4714.5014.0413.97
Tangible Book Value Per Share19.0317.5316.9416.7117.4516.4714.5014.0413.97
Tier 1 Capital360.88357.13360.73389.34433.04410.15392.36401.32411.98
Tier 2 Capital18.2219.4919.6217.7615.7818.8212.3913.2514.08
Full-Time Employees593600698742870812824888927
Price to Book Ratio1.030.760.861.021.221.091.191.051.05
Return on Assets1.180.840.440.923.213.871.831.651.44
Return on Equity7.675.472.624.8516.7420.129.057.586.31
Return on Invested Capital4.893.821.463.427.819.144.133.713.78
Current Ratio0.060.090.070.111.680.420.500.600.22

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations39.5615.97-65.08-62.59-56.11-117.42-171.65-91.13-75.34
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital0.023.051.34-7.0315.96-17.487.600.490.47
Cash from Operating Activities39.5819.02-63.73-69.62-40.14-134.90-164.04-90.64-74.87
Capital Expenditures-2.15-1.34-6.28-0.88-0.88-0.96-1.41-3.29-4.14
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments-8.00-7.92-7.55-3.72-50.15-17.3222.1813.8414.08
Purchase of Investments-46.65-50.01-38.59-33.03-100.89-73.69-29.50-28.86-28.06
Sale Or Maturity of Investments38.6442.0931.0429.3250.7556.3751.6842.7042.14
Other Uses0.000.000.000.000.000.000.000.00-0.16
Other Sources0.000.000.660.471.180.0016.620.000.47
Cash from Investing Activities-28.51-3.5883.61-124.24-88.93436.97107.6549.2737.94
Cash Dividends Paid-10.82-10.77-11.27-15.36-30.26-30.39-31.52-25.96-27.05
Change in Capital Stock-13.45-13.80-13.25-25.21-47.27-7.87-32.54-22.11-17.89
Repurchase of Common Pref Stock-14.62-16.21-14.91-26.03-47.83-10.18-36.24-22.77-19.20
Sale of Common Pref Stock1.172.401.660.820.562.313.700.661.30
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-53.73-34.26-164.53224.27-90.34-30.9524.5148.5248.76
Change in Long Term Debt2.9740.00-5.00-45.00-270.000.000.0040.0090.00
Issuance of Long Term Debt132.97130.00170.00259.00200.000.000.00165.00255.00
Reduction of Long Term Debt-130.00-90.00-175.00-304.00-470.000.000.00-125.00-165.00
Net Financing Active Other Cash Flow-2.08-2.63-0.981.271.240.57-0.69-0.16-0.51
Other Financing Activities Uses--2.63-0.98----0.69-0.16-0.51
Cash from Financing Activities-43.8015.91-20.76176.58-201.00-20.1276.8629.5774.43
Net Change in Cash-32.7231.353.34-10.22-330.08281.9520.47-11.8037.49
Free Cash Flow37.6117.86-64.83-70.32-40.84-135.68-165.27-93.75-78.83
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow13.2941.72-------
Federal Home Loan Advances Increase (Decrease)-0.490.58-3.527.082.28-5.57-1.80-2.48

Balance sheet, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q1
Cash & Due from Banks32.7538.7663.5650.0863.1837.46
Investments423.21415.63411.56394.78418.68365.19
Net Loans1,666.001,666.601,658.071,697.171,646.471,645.61
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment18.9019.2718.8618.7418.8719.22
Interest Receivables0.000.000.000.000.000.00
Deferred Tax Assets--10.18---
Other Intangible Assets111.58110.6498.64108.33109.27107.75
Total Assets2,252.762,251.222,261.282,269.172,256.562,175.37
Total Deposits1,420.981,438.791,437.271,385.971,384.711,381.20
Total Debt412.00413.03412.26469.06465.73395.85
Long Term Debt212.97242.97190.00210.00210.00190.00
Provision for Risks Charges0.860.780.741.001.101.00
Deferred Tax Liabilities--1.78---
Other Liabilities67.7950.4059.8467.6463.5455.95
Total Liabilities1,901.631,903.011,911.891,923.671,915.071,834.01
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity351.13348.21349.39345.50341.49341.36
Total Shareholders Equity351.13348.21349.39345.50341.49341.36
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity351.13348.21349.39345.50341.49341.36
Total Liabilities & Stockholders Equity2,252.762,251.222,261.282,269.172,256.562,175.37
Book Value Per Share19.5319.1919.0318.6518.1917.70
Tangible Book Value Per Share19.5319.1919.0318.6518.1917.70
Tier 1 Capital363.67-360.88357.97355.95356.94
Tier 2 Capital18.75-18.2218.6818.9518.94
Full-Time Employees--593---
Price to Book Ratio1.030.950.890.860.780.77
Return on Assets1.331.331.181.060.910.85
Return on Equity8.698.527.676.956.125.50
Return on Invested Capital1.501.011.431.431.400.57
Current Ratio0.030.040.060.040.060.04

Cash flow, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q1
Funds from Operations0.947.06-2.3133.87-37.9522.36
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital8.56-7.710.32-1.15-0.504.38
Cash from Operating Activities9.50-0.65-1.9932.72-38.4526.74
Capital Expenditures-0.32-0.99-0.55-0.29-0.24-0.27
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments1.80-7.252.28-4.83-3.49-1.89
Purchase of Investments-6.07-13.84-12.24-14.49-13.09-10.19
Sale Or Maturity of Investments7.876.5914.529.669.618.30
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities1.46-15.9542.02-56.04-6.4216.86
Cash Dividends Paid-2.88-2.64-2.64-2.66-2.73-2.74
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-3.20-3.85-2.58-3.82-6.46-0.94
Repurchase of Common Pref Stock-3.68-4.39-2.72-3.82-6.49-3.17
Sale of Common Pref Stock0.480.550.140.000.032.23
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-1.030.78-56.803.3369.87-50.66
Change in Long Term Debt-30.0052.97-20.000.0020.0040.00
Issuance of Long Term Debt20.0082.970.0030.0020.0080.00
Reduction of Long Term Debt-50.00-30.00-20.00-30.000.00-40.00
Net Financing Active Other Cash Flow7.50-5.66-11.968.048.31-7.03
Other Financing Activities Uses--5.66----7.03
Cash from Financing Activities-17.42-9.86-22.696.1772.50-40.07
Net Change in Cash-6.45-26.4517.34-17.1627.633.53
Free Cash Flow9.37-1.64-2.5432.42-38.5126.48
Price to Free Cash Flow13.29-40.88---

Revenue breakdown

United States2024: 135.47M 2025: 141.92M
Community Banking2024: 53.27M 2025: 61.88M
Holding Community and Other2024: -106.00K 2025: -2.00K
Mortgage Banking2024: 82.31M 2025: 80.04M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-302.93%0.4M14.9M72.16K
2026-10-152.96%0.4M14.9M76.07K
2026-09-302.52%0.4M14.9M77.54K
2026-09-152.83%0.4M14.9M80.87K
2026-08-312.91%0.4M14.9M71.80K
2026-08-142.66%0.4M14.9M69.75K
2026-07-312.20%0.3M14.8M70.92K
2026-07-152.13%0.3M14.9M70.95K
2026-06-302.24%0.3M14.9M71.28K
2026-06-151.98%0.3M14.9M66.24K
2026-05-291.59%0.2M14.9M67.39K
2026-05-151.26%0.2M14.9M66.24K
2026-04-301.17%0.2M14.9M65.74K
2026-04-151.09%0.2M15.1M60.86K
2026-03-311.19%0.2M15.1M55.39K
2026-03-130.91%0.1M15.1M50.19K
2026-02-270.82%0.1M15.1M46.02K
2026-02-130.79%0.1M15.2M46.61K
2026-01-300.86%0.1M15.2M44.06K
2026-01-150.97%0.1M15.1M48.50K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.5016.3018.7017.5028.0050.000.000.986-0.0430.001
call5.0013.8016.2014.9612.7360.000.000.978-0.0450.002
call7.5011.4013.800.007.3980.000.000.967-0.0480.002
call10.009.3010.800.004.1320.000.000.957-0.0470.003
call12.506.808.300.003.0640.000.000.941-0.0440.004
call15.004.505.700.003.6660.000.000.792-0.3180.009
call17.502.003.200.002.7980.000.000.722-0.2900.011
call20.000.001.000.000.7540.000.000.541-0.0540.013
call22.500.002.750.004.4010.000.000.582-0.2890.013
call25.000.000.750.004.9320.000.000.554-0.3280.013
call30.000.004.900.005.7540.000.000.520-0.3860.013
call35.000.001.750.006.3800.000.000.498-0.4280.013
put2.500.000.050.008.1130.000.00-0.013-0.0450.001
put5.000.000.750.005.3810.000.00-0.022-0.0470.002
put7.500.000.750.003.9050.000.00-0.031-0.0460.002
put10.000.000.750.002.8850.000.00-0.043-0.0440.003
put12.500.000.200.002.0930.000.00-0.059-0.0410.004
put15.000.001.750.006.6140.000.00-0.207-0.3180.009
put17.500.001.251.005.1491.000.00-0.277-0.2900.011
put20.000.050.950.950.7961.000.00-0.458-0.0540.013
put22.501.803.200.001.3180.000.00-0.642-0.0960.012
put25.004.405.600.001.4980.000.00-0.746-0.0990.010
put30.009.3010.800.002.6210.000.00-0.796-0.1210.009
put35.0013.8016.200.003.6440.000.00-0.822-0.1350.008

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-09NT 10-Q2026-09-30SEC
2026-10-168-KCurrent report2026-10-16SEC
2026-09-228-KCurrent report2026-09-22SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-14144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-238-KCurrent report2026-07-23SEC
2026-06-238-KCurrent report2026-06-23SEC
2026-06-0311-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-05-224Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-21144Filing for proposed sale of securities under Rule 144.SEC
2026-05-198-KCurrent report2026-05-19SEC
2026-05-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-04-278-KCurrent report2026-04-27SEC
2026-04-238-KCurrent report2026-04-23SEC
2026-04-09ARSAnnual report to security holders. 2025-12-31SEC
2026-04-09DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-05-19SEC
2026-03-178-KCurrent report2026-03-17SEC
2026-02-2610-KAnnual report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-02-204Statement of changes in beneficial ownership of securities2026-02-18SEC
2026-02-104Statement of changes in beneficial ownership of securities2026-02-06SEC
2026-02-064Statement of changes in beneficial ownership of securities2026-02-04SEC
2026-02-054Statement of changes in beneficial ownership of securities2026-02-03SEC
2026-02-04144Filing for proposed sale of securities under Rule 144.SEC
2026-02-044Statement of changes in beneficial ownership of securities2026-02-02SEC
2026-02-03144Filing for proposed sale of securities under Rule 144.SEC
2026-02-02144Filing for proposed sale of securities under Rule 144.SEC
2026-01-288-KCurrent report2026-01-28SEC
2026-01-21SCHEDULE 13G/ASEC
2025-12-188-KCurrent report2025-12-18SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800172.41K1
2026-070000
2026-060000
2026-0500183.44K1
2026-040000
2026-030000
2026-02002.09M7
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.9.09%
DIMENSIONAL FUND ADVISORS LP7.91%
RENAISSANCE TECHNOLOGIES LLC5.82%
VANGUARD CAPITAL MANAGEMENT LLC3.55%
STATE STREET CORP2.21%
GEODE CAPITAL MANAGEMENT, LLC2.16%
AMERICAN CENTURY COMPANIES INC1.89%
AQR CAPITAL MANAGEMENT LLC1.44%
CSM Advisors, LLC1.22%
BRIDGEWAY CAPITAL MANAGEMENT, LLC1.17%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.54%
iShares Russell 2000 ETF2.33%
Avantis U.S. Small Cap Value ETF1.95%
U.S. SMALL CAP VALUE PORTFOLIO1.50%
U.S. Targeted Value Portfolio1.07%
U.S. SMALL CAP PORTFOLIO0.98%
Fidelity Small Cap Index Fund0.93%
VANGUARD EXTENDED MARKET INDEX FUND0.92%
iShares Russell 2000 Value ETF0.89%
U.S. MICRO CAP PORTFOLIO0.72%

OakChart. WSBF. Cached 15 minutes.