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Last $13.82 USD
Change Today 0.00 / 0.00%
Volume 5.3K
WSBF On Other Exchanges
As of 10:14 AM 11/30/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

11200 West Plank Court

Wauwatosa, WI 53226

United States

Phone: 414-761-1000


Waterstone Financial, Inc. operates as the holding company for WaterStone Bank SSB that provides community banking products and services. The company conducts its community banking business from nine banking offices located in Milwaukee, Washington and Waukesha counties, Wisconsin, as well as a loan production office in Minneapolis, Minnesota. The company’s principal lending activity is originating one- to four-family and multi-family residential real estate loans for retention in its portfolio. The company also offers, to a lesser extent, home equity loans and lines of credit, construction and land loans, commercial real estate and commercial business loans, and consumer loans. The company funds its loan production primarily with retail deposits and Federal Home Loan Bank advances. The company’s deposit offerings include certificates of deposit, money market savings accounts, transaction deposit accounts, non-interest bearing demand accounts, and individual retirement accounts. The company’s investment securities portfolio principally includes mortgage-backed securities, government-sponsored enterprise bonds and municipal obligations. The bank's mortgage banking operations are conducted through its wholly-owned subsidiary, Waterstone Mortgage Corporation. Waterstone Mortgage Corporation originates single-family residential real estate loans for sale into the secondary market. Waterstone Mortgage Corporation utilizes lines of credit provided by the bank as a primary source of funds, and also utilizes lines of credit with other financial institutions as needed. Market Area The company’s market area is defined as the Milwaukee, Wisconsin metropolitan market, which is geographically located in the southeast corner of the state. The company’s primary market area is Milwaukee and Waukesha counties and the five surrounding counties of Ozaukee, Washington, Jefferson, Walworth and Racine. The company has four branch offices in Milwaukee County, four branch offices in Waukesha County, and one branch office in Washington County. Lending Activities One- to Four-Family Residential Mortgage Loans: The company’s primary lending activity is originating residential mortgage loans secured by properties located in Milwaukee and surrounding counties. The company’s one- to four-family residential mortgage loans have fixed or adjustable rates. Its adjustable-rate mortgage loans typically amortize over terms of approximately 30 years. Multi-family Real Estate Loans: These loans are generally secured by properties located in the company’s primary market area. Multi-family real estate loans are offered with interest rates that are fixed for periods of approximately five years or are variable and either adjust based on a market index or at the company’s discretion. Home Equity Loans and Lines of Credit: The company also offers home equity loans and home equity lines of credit, both of which are secured by owner-occupied and non-owner occupied one- to four-family residences. The company’s home equity lines of credit have 10-year terms and adjustable rates of interest. Residential Construction and Land Loans: The company originates construction loans to individuals and contractors for the construction and acquisition of single and multi-family residences. Commercial Real Estate Loans: Commercial real estate loans are made up of loans secured by office and retail buildings, industrial buildings, churches, restaurants, other retail properties, and mixed use properties. These loans are generally secured by property located in the company’s primary market area. Commercial Loans: Commercial loans are made up of loans secured by accounts receivable, inventory, equipment and real estate. The company’s commercial loans are generally made to borrowers that are located in its primary market area. Working capital lines of credit are granted for the purpose of carrying inventory and accounts receivable or purchasing equipment. Personal property loans secured by equipment are considered commercial business loans. Commercial business loans are generally variable rate loans with initial fixed rate periods of approximately five


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Price/Sales 2.7x
Price/Book 1.0x
Price/Cash Flow 25.7x
TEV/Sales NM Not Meaningful

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