Three independent discounted-cash-flow-style models value Waterstone Financial, Inc. every trading day. 1 of 3 currently price WSBF above its market price.
| Free Cash Flow model | $64.66 |
| Excess Profit model | $-4.77 |
| Residual Earnings model | $0.81 |
| Dividend Discount model | $34.82 |
| Piotroski F-Score | 7 / 9 |
| Return on invested capital | +3.5% |
| Net debt / EBITDA | 10.4× |
| Gross margin | +100.0% |
| Revenue CAGR | +18.2% |
| Cash conversion | 0.9× |
| Dividend yield | +4.1% |
| Buyback yield | +3.9% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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