Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Waterstone Financial, Inc. (WSBF)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$9.89 - $14.47$12.10
Multi-Stage$19.98 - $21.97$20.96
Blended Fair Value$16.53
Current Price$15.60
Upside5.95%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS-15.37%8.46%0.620.851.671.671.741.431.491.480.380.32
YoY Growth---26.65%-49.23%-0.42%-3.59%21.42%-4.03%0.36%289.65%17.86%17.31%
Dividend Yield--4.61%7.07%11.01%8.65%8.50%9.83%9.00%8.58%2.09%2.36%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)23.90
(-) Cash Dividends Paid (M)10.89
(=) Cash Retained (M)13.01
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)4.782.991.79
Cash Retained (M)13.0113.0113.01
(-) Cash Required (M)-4.78-2.99-1.79
(=) Excess Retained (M)8.2310.0211.22
(/) Shares Outstanding (M)18.1718.1718.17
(=) Excess Retained per Share0.450.550.62
LTM Dividend per Share0.600.600.60
(+) Excess Retained per Share0.450.550.62
(=) Adjusted Dividend1.051.151.22
WACC / Discount Rate7.58%7.58%7.58%
Growth Rate-2.77%-1.77%-0.77%
Fair Value$9.89$12.10$14.47
Upside / Downside-36.58%-22.42%-7.22%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)23.9023.4823.0622.6522.2521.8622.52
Payout Ratio45.57%54.46%63.34%72.23%81.11%90.00%92.50%
Projected Dividends (M)10.8912.7814.6116.3618.0519.6720.83

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.58%7.58%7.58%
Growth Rate-2.77%-1.77%-0.77%
Year 1 PV (M)11.7611.8812.01
Year 2 PV (M)12.3712.6212.88
Year 3 PV (M)12.7513.1413.55
Year 4 PV (M)12.9413.4814.04
Year 5 PV (M)12.9813.6614.37
PV of Terminal Value (M)300.13315.89332.30
Equity Value (M)362.92380.67399.13
Shares Outstanding (M)18.1718.1718.17
Fair Value$19.98$20.96$21.97
Upside / Downside28.06%34.33%40.84%

High-Yield Dividend Screener

« Prev Page 92 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
025860.KSNamhae Chemical Corporation1.19%$80.0414.89%
1811.HKCGN New Energy Holdings Co., Ltd.1.19%$0.0326.78%
2834.TWTaiwan Business Bank, Ltd.1.19%$0.1915.08%
300228.SZZhangjiagang Furui Special Equipment Co., Ltd.1.19%$0.1226.55%
301603.SZJirfine Intelligent Equipment Co Ltd1.19%$0.9032.78%
CBChubb Limited1.19%$3.6915.38%
CEU.TOCES Energy Solutions Corp.1.19%$0.1518.25%
DMR.BODMR Engineering Limited1.19%$0.543.40%
NVGSNavigator Holdings Ltd.1.19%$0.2113.24%
000811.SZMoon Environment Technology Co.,Ltd.1.18%$0.2237.00%
002394.SZJiangsu Lianfa Textile Co.,Ltd1.18%$0.1918.15%
0N5I.Ladesso SE1.18%$1.0353.71%
300446.SZAerospace Intelligent Manufacturing Technology Co., Ltd.1.18%$0.3028.00%
300685.SZAmoy Diagnostics Co., Ltd.1.18%$0.2432.27%
4733.TOBIC Business Consultants Co., Ltd.1.18%$100.0244.69%
600839.SSSichuan Changhong Electric Co.,Ltd.1.18%$0.1136.18%
603708.SSJiajiayue Group Co., Ltd.1.18%$0.1457.83%
IDUN-B.STIdun Industrier AB (publ)1.18%$4.0996.91%
000821.SZJ.S. Corrugating Machinery Co., Ltd.1.17%$0.1635.09%
000938.SZUnisplendour Corporation Limited1.17%$0.2958.81%
002454.SZSongz Automobile Air Conditioning Co., Ltd.1.17%$0.1030.68%
002675.SZYantai Dongcheng Pharmaceutical Group Co.,Ltd.1.17%$0.1679.89%
200670.KQHumedix Co., Ltd.1.17%$480.838.97%
600380.SSJoincare Pharmaceutical Group Industry Co.,Ltd.1.17%$0.1418.16%
603687.SSZhejiang Great Shengda Packaging Co.,Ltd.1.17%$0.1152.97%
603868.SSShanghai Flyco Electrical Appliance Co., Ltd.1.17%$0.5149.15%
605020.SSZhejiang Yonghe Refrigerant Co., Ltd.1.17%$0.3228.04%
6895.TWOWave Power Technology Inc.1.17%$2.3059.81%
7583.TWOInternational Ocean Group1.17%$0.8213.23%
ENGCON-B.STengcon AB (publ)1.17%$0.9766.07%
KGX.DEKion Group AG1.17%$0.8239.55%
KTMS.BKKt Medical Service Public Company Limited1.17%$0.0217.07%
ORI-R.BKOrigin Property Public Company Limited1.17%$0.029.09%
TIH.TOToromont Industries Ltd.1.17%$1.9632.92%
000407.SZShandong Shengli Co., Ltd.1.16%$0.0640.12%
001318.SZJiangxi Sunshine Dairy Co., Ltd.1.16%$0.1843.68%
002696.SZBaiyang Investment Group, Inc.1.16%$0.0852.38%
002825.SZShanghai NAR Industrial Co., Ltd1.16%$0.1327.19%
002947.SZSuzhou Hengmingda Electronic Technology Co., Ltd.1.16%$0.6027.09%
009450.KSKyung Dong Navien Co., Ltd.1.16%$650.007.73%
075580.KSSejin Heavy Industries Co., Ltd.1.16%$199.3628.86%
0R15.LSoftBank Group Corp.1.16%$50.854.17%
300127.SZChengdu Galaxy Magnets Co.,Ltd.1.16%$0.3563.58%
300259.SZSuntront Technology Co., Ltd.1.16%$0.0524.87%
301131.SZSuper-Dragon Engineering Plastics Co., Ltd1.16%$0.5664.43%
3692.HKHansoh Pharmaceutical Group Company Limited1.16%$0.4226.44%
4373.TSimplex Holdings, Inc.1.16%$12.1428.57%
601899.SSZijin Mining Group Company Limited1.16%$0.4023.72%
603101.SSXinjiang Winka Times Department Store Co.,Ltd.1.16%$0.1158.89%
603530.SSJiangsu Shemar Electric Co.,Ltd1.16%$0.4854.08%