Waterstone Financial, Inc. cash flow to debt ratio of 4.61% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Waterstone Financial, Inc.'s free cash flow has decreased 61.98% from $46.96M last year to $17.86M, signaling decreasing performance

Waterstone Financial, Inc.'s debt to equity ratio is 1.17, which means that the company's assets are unhealthy financed, signaling financial risk.

Waterstone Financial, Inc.'s debt has decreased relative to shareholder equity from 1.32 last year to 1.17 today, signaling strengthened financials

Waterstone Financial, Inc. has a net debt to EBITDA ratio of 4.95x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Waterstone Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Waterstone Financial, Inc.'s profit margin has increased (98.21%) in the last year from 9.37% to 18.58%, signaling increasing performance

Waterstone Financial, Inc.'s short-term liabilities of $1.66B exceed its short-term assets of $234.22M, signaling financial risk

Waterstone Financial, Inc.'s return on assets of 1.34% is lower than the 5.00% threshold, indicating inefficient asset utilization

Waterstone Financial, Inc.'s return on equity of 8.64%, is lower than 15.00%, indicating bad performance

Waterstone Financial, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Waterstone Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Waterstone Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Waterstone Financial, Inc. has a free cash flow yield of 4.81%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Waterstone Financial, Inc.'s yearly earnings has increased 41.28% since last year from $18.69M to $26.40M, signaling increasing performance

Waterstone Financial, Inc.'s yearly revenue has decreased 14.40% since last year from $135.64M to $116.11M, signaling decreasing performance

ROIC 1.89% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Waterstone Financial, Inc.'s 3-year revenue CAGR of 5.63% is positive, indicating growing revenue over the past 3 years

Waterstone Financial, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Waterstone Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Waterstone Financial, Inc. has insufficient data to evaluate this check.

Waterstone Financial, Inc. has an earnings yield of 8.49%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Waterstone Financial, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Waterstone Financial, Inc. has an EV/EBITDA ratio of 15.26x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Waterstone Financial, Inc. is overvalued relative to its fair value price of 10.84 based on Earnings Fair Value model

Waterstone Financial, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Waterstone Financial, Inc. has a price-to-book ratio of 1.01x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Waterstone Financial, Inc. has a price-to-sales ratio of 2.19x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue