Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 18.29% is in line with its 5-year average of 19.64%, near the low end of its 5-year range (14.48%–28.38%).
As of the fiscal period ended Tuesday, June 30, 2026. 4.94% below its 12-month average of 19.24%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 18.29%.
DEBT TO ASSETS RATIO
18.29%
DEBT TO ASSETS RATIO AVG TTM
19.24%
DEBT TO ASSETS RATIO AVG 3Y
19.92%
DEBT TO ASSETS RATIO AVG 5Y
19.64%
DEBT TO ASSETS RATIO AVG 10Y
22.12%
DEBT TO ASSETS RATIO AVG 15Y
23.53%
DEBT TO ASSETS RATIO AVG 20Y
23.74%
CURRENT VS TTM AVG
-4.94%
CURRENT VS 3Y AVG
-8.21%
CURRENT VS 5Y AVG
-6.90%
CURRENT VS 10Y AVG
-17.31%
CURRENT VS 15Y AVG
-22.29%
CURRENT VS 20Y AVG
-22.96%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+36477.37%
vs the sector median at left
Waterstone Financial, Inc.
Market Cap
$358.71M
Debt to Assets Ratio
18.29%
TTM Avg
19.24%
3Y Avg
19.92%
5Y Avg
19.64%
Market Cap
$358.15M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$359.70M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$357.35M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$357.18M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$360.69M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$356.65M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$361.92M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$355.09M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Waterstone Financial, Inc. (WSBF) | $358.71M | 18.29% | 19.24% | 19.92% | 19.64% |
| Karbon Capital Partners Corp. (KBON)vs › | $358.15M | 0.00% | N/A | N/A | N/A |
| Kochav Defense Acquisition Corp. (KCHV)vs › | $359.70M | 0.00% | N/A | N/A | N/A |
| Timberland Bancorp, Inc. (TSBK)vs › | $357.35M | 0.01% | N/A | N/A | N/A |
| Averin Capital Acquisition Corp. (ACAA)vs › | $357.18M | 0.00% | N/A | N/A | N/A |
| Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs › | $360.69M | N/A | N/A | N/A | N/A |
| Cohen Circle Acquisition Corp. II (CCII)vs › | $356.65M | 0.00% | N/A | N/A | N/A |
| OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs › | $361.92M | 0.00% | N/A | N/A | N/A |
| Archimedes Tech SPAC Partners III Co. (ARCI)vs › | $355.09M | 0.00% | N/A | N/A | N/A |
| Titan Acquisition Corp. (TACH)vs › | $363.98M | 0.00% | N/A | N/A | N/A |
Debt/Assets
18.3%
Debt/Equity
1.17
Current ratio and interest coverage is unavailable for Waterstone Financial, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 18.29% |
| 2026-03-31 | 18.35% |
| 2025-12-31 | 18.25% |
| 2025-09-30 | 20.67% |
| 2025-06-30 | 20.64% |
| 2025-03-31 | 18.20% |
| 2024-12-31 | 20.21% |
| 2024-09-30 | 18.88% |
| 2024-06-30 | 22.67% |
| 2024-03-31 | 28.38% |
| 2023-12-31 | 21.04% |
| 2023-09-30 | 21.96% |
| 2023-06-30 | 27.58% |
| 2023-03-31 | 23.73% |
| 2022-12-31 | 19.04% |
| 2022-09-30 | 16.20% |
| 2022-06-30 | 14.48% |
| 2022-03-31 | 16.29% |
| 2021-12-31 | 21.53% |
| 2021-09-30 | 21.26% |
| 2021-06-30 | 21.57% |
| 2021-03-31 | 22.32% |
| 2020-12-31 | 23.26% |
| 2020-09-30 | 24.86% |
| 2020-06-30 | 27.02% |
| 2020-03-31 | 25.39% |
| 2019-12-31 | 24.22% |
| 2019-09-30 | 25.72% |
| 2019-06-30 | 25.74% |
| 2019-03-31 | 23.25% |
| 2018-12-31 | 22.71% |
| 2018-09-30 | 23.50% |
| 2018-06-30 | 23.04% |
| 2018-03-31 | 23.62% |
| 2017-12-31 | 21.38% |
| 2017-09-30 | 23.49% |
| 2017-06-30 | 26.41% |
| 2017-03-31 | 19.38% |
| 2016-12-31 | 21.62% |
| 2016-09-30 | 20.00% |
| 2016-06-30 | 23.05% |
| 2016-03-31 | 22.80% |
| 2015-12-31 | 25.03% |
| 2015-09-30 | 24.88% |
| 2015-06-30 | 25.56% |
| 2015-03-31 | 24.57% |
| 2014-12-31 | 24.34% |
| 2014-09-30 | 24.12% |
| 2014-06-30 | 25.23% |
| 2014-03-31 | 25.16% |
| 2013-12-31 | 23.38% |
| 2013-09-30 | 29.49% |
| 2013-06-30 | 30.01% |
| 2013-03-31 | 29.43% |
| 2012-12-31 | 28.89% |
| 2012-09-30 | 29.24% |
| 2012-06-30 | 28.49% |
| 2012-03-31 | 27.03% |
| 2011-12-31 | 28.51% |
| 2011-09-30 | 25.98% |
| 2011-06-30 | 25.26% |
| 2011-03-31 | 24.70% |
| 2010-12-31 | 25.39% |
| 2010-06-30 | 26.99% |
| 2010-03-31 | 25.96% |
| 2009-12-31 | 27.22% |
| 2009-09-30 | 28.07% |
| 2009-06-30 | 27.36% |
| 2009-03-31 | 26.62% |
| 2008-12-31 | 25.88% |
| 2008-09-30 | 26.98% |
| 2008-06-30 | 28.09% |
| 2008-03-31 | 26.28% |
| 2007-12-31 | 27.80% |
| 2007-09-30 | 24.43% |
| 2007-06-30 | 22.76% |
| 2007-03-31 | 22.03% |
| 2006-12-31 | 20.26% |
| 2006-09-30 | 20.63% |
| 2006-06-30 | 15.12% |
| 2006-03-31 | 14.01% |
| 2005-09-30 | 5.90% |
