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Waterstone Financial, Inc.
WSBFFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $201.61M | 13.1% | $26.41M | $17.94M | N/A |
| 2027 | $219.15M | 13.1% | $28.71M | $19.50M | $17.73M |
| 2028 | $238.21M | 13.1% | $31.21M | $21.20M | $17.52M |
| 2029 | $258.94M | 13.1% | $33.92M | $23.05M | $17.31M |
| 2030 | $281.46M | 13.1% | $36.87M | $25.05M | $17.11M |
| 2031 | $305.95M | 13.1% | $40.08M | $27.23M | $16.91M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.48 | 2025-12-31 |
| EPS growth | +46.5% | Forecast years: 5 |
| Future EPS | $9.987 | EPS × (1 + G)^5 |
| Base P/E | 11.2 | P/E |
| Future price | $111.86 | Future EPS × P/E |
| Fair value today | $69.455 | PV @ 10.0% |
| 30% safety price | $48.619 | Margin of safety |
| 50% safety price | $34.728 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $9.571 | $12.088 | $15.521 |
| 10.0% | $7.026 | $8.882 | $11.309 |
| 11.0% | $5.02 | $6.433 | $8.223 |