Waterstone Financial (WSBF) Debt/Equity Ratio: History & Chart

Waterstone Financial, Inc.(WSBF)

Banks - Regional · Wauwatosa, WI

$19.91+0.01 (+0.06%)

Delayed quote: Oct 6, 2026, 3:20 PM EDT

About Waterstone Financial, Inc.

Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.

Wauwatosa, WI

593 employees

www.wsbonline.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: William F. Bruss

View full financials

WSBF Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

1.17

DEBT TO EQUITY RATIO AVG TTM

1.25

DEBT TO EQUITY RATIO AVG 3Y

1.33

DEBT TO EQUITY RATIO AVG 5Y

1.20

DEBT TO EQUITY RATIO AVG 10Y

1.18

DEBT TO EQUITY RATIO AVG 15Y

1.16

DEBT TO EQUITY RATIO AVG 20Y

1.62

CURRENT VS TTM AVG

-6.29%

CURRENT VS 3Y AVG

-12.10%

CURRENT VS 5Y AVG

-2.54%

CURRENT VS 10Y AVG

-0.35%

CURRENT VS 15Y AVG

+0.86%

CURRENT VS 20Y AVG

-27.57%

SECTOR MEDIAN · FINANCIAL SERVICES

0.28

median of 700 covered companies

CURRENT VS SECTOR MEDIAN

+319.06%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Waterstone Financial, Inc. (WSBF)	$359.46M	1.17	1.25	1.33	1.20
Kochav Defense Acquisition Corp. (KCHV)vs ›	$359.70M	0.00	0.00	0.00	0.00
Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs ›	$360.69M	N/A	N/A	N/A	N/A
Karbon Capital Partners Corp. (KBON)vs ›	$358.05M	N/A	0.00	0.00	0.00
Timberland Bancorp, Inc. (TSBK)vs ›	$357.85M	0.05	0.09	0.09	0.08
Global Indemnity Group, LLC (GBLI)vs ›	$357.75M	0.01	0.01	0.02	0.08
OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›	$362.01M	0.00	N/A	N/A	N/A
Averin Capital Acquisition Corp. (ACAA)vs ›	$357.18M	0.00	N/A	N/A	N/A
Cohen Circle Acquisition Corp. II (CCII)vs ›	$356.82M	0.00	0.00	0.00	0.00
Titan Acquisition Corp. (TACH)vs ›	$363.63M	0.00	0.00	0.00	0.00

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Waterstone Financial, Inc. (WSBF)

$359.46M

1.17

1.25

1.33

1.20

Kochav Defense Acquisition Corp. (KCHV)vs ›

$359.70M

0.00

Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs ›

$360.69M

N/A

Karbon Capital Partners Corp. (KBON)vs ›

$358.05M

N/A

0.00

Timberland Bancorp, Inc. (TSBK)vs ›

$357.85M

0.05

0.09

0.08

Global Indemnity Group, LLC (GBLI)vs ›

$357.75M

0.01

0.02

0.08

OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›

$362.01M

0.00

N/A

Averin Capital Acquisition Corp. (ACAA)vs ›

$357.18M

0.00

N/A

Cohen Circle Acquisition Corp. II (CCII)vs ›

$356.82M

0.00

Titan Acquisition Corp. (TACH)vs ›

$363.63M

0.00

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The debt to equity ratio for WSBF stock is 1.17.

Is Waterstone Financial, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 1.17 is in line with its 5-year average of 1.20, around the middle of its 5-year range (0.73–1.88).

What is the TTM average debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The TTM average debt to equity ratio for WSBF stock is 1.25.

What is the 3Y average debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The 3Y average debt to equity ratio for WSBF stock is 1.33.

What is the 5Y average debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The 5Y average debt to equity ratio for WSBF stock is 1.20.

What is the 10Y average debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The 10Y average debt to equity ratio for WSBF stock is 1.18.

What is the 15Y average debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The 15Y average debt to equity ratio for WSBF stock is 1.16.

What is the 20Y average debt to equity ratio for Waterstone Financial, Inc. (WSBF)?

The 20Y average debt to equity ratio for WSBF stock is 1.62.

DATE	DEBT TO EQUITY RATIO
2026-06-30	1.17
2026-03-31	1.19
2025-12-31	1.18
2025-09-30	1.36
2025-06-30	1.36
2025-03-31	1.16
2024-12-31	1.32
2024-09-30	1.24
2024-06-30	1.55
2024-03-31	1.88
2023-12-31	1.35
2023-09-30	1.41
2023-06-30	1.73
2023-03-31	1.37
2022-12-31	1.04
2022-09-30	0.85
2022-06-30	0.73
2022-03-31	0.79
2021-12-31	1.10
2021-09-30	1.07
2021-06-30	1.10
2021-03-31	1.14
2020-12-31	1.23
2020-09-30	1.38
2020-06-30	1.55
2020-03-31	1.40
2019-12-31	1.23
2019-09-30	1.33
2019-06-30	1.34
2019-03-31	1.17
2018-12-31	1.09
2018-09-30	1.11
2018-06-30	1.07
2018-03-31	1.09
2017-12-31	0.94
2017-09-30	1.06
2017-06-30	1.22
2017-03-31	0.81
2016-12-31	0.94
2016-09-30	0.88
2016-06-30	1.04
2016-03-31	1.01
2015-12-31	1.13
2015-09-30	1.11
2015-06-30	1.11
2015-03-31	0.97
2014-12-31	0.96
2014-09-30	0.97
2014-06-30	0.99
2014-03-31	0.95
2013-12-31	2.12
2013-09-30	2.21
2013-06-30	2.34
2013-03-31	2.31
2012-12-31	2.37
2012-09-30	2.66
2012-06-30	2.73
2012-03-31	2.72
2011-12-31	2.93
2011-09-30	2.64
2011-06-30	2.55
2011-03-31	2.55
2010-12-31	2.67
2010-09-30	0.00
2010-06-30	2.93
2010-03-31	2.81
2009-12-31	3.02
2009-09-30	3.10
2009-06-30	3.04
2009-03-31	3.01
2008-12-31	2.85
2008-09-30	3.02
2008-06-30	2.61
2008-03-31	2.30
2007-12-31	2.36
2007-09-30	2.03
2007-06-30	1.73
2007-03-31	1.58
2006-12-31	1.38
2006-09-30	1.46
2006-06-30	1.01
2006-03-31	0.93
2005-09-30	0.77
2004-09-30	0.00

DATE

DEBT TO EQUITY RATIO

2026-06-30

1.17

2026-03-31

1.19

2025-12-31

1.18

2025-09-30

1.36

2025-06-30

1.36

2025-03-31

1.16

2024-12-31

1.32

2024-09-30

1.24

2024-06-30

1.55

2024-03-31

1.88

2023-12-31

1.35

2023-09-30

1.41

2023-06-30

1.73

2023-03-31

1.37

2022-12-31

1.04

2022-09-30

0.85

2022-06-30

0.73

2022-03-31

0.79

2021-12-31

1.10

2021-09-30

1.07

2021-06-30

1.10

2021-03-31

1.14

2020-12-31

1.23

2020-09-30

1.38

2020-06-30

1.55

2020-03-31

1.40

2019-12-31

1.23

2019-09-30

1.33

2019-06-30

1.34

2019-03-31

1.17

2018-12-31

1.09

2018-09-30

1.11

2018-06-30

1.07

2018-03-31

1.09

2017-12-31

0.94

2017-09-30

1.06

2017-06-30

1.22

2017-03-31

0.81

2016-12-31

0.94

2016-09-30

0.88

2016-06-30

1.04

2016-03-31

1.01

2015-12-31

1.13

2015-09-30

1.11

2015-06-30

1.11

2015-03-31

0.97

2014-12-31

0.96

2014-09-30

0.97

2014-06-30

0.99

2014-03-31

0.95

2013-12-31

2.12

2013-09-30

2.21

2013-06-30

2.34

2013-03-31

2.31

2012-12-31

2.37

2012-09-30

2.66

2012-06-30

2.73

2012-03-31

2.72

2011-12-31

2.93

2011-09-30

2.64

2011-06-30

2.55

2011-03-31

2.55

2010-12-31

2.67

2010-09-30

0.00

2010-06-30

2.93

2010-03-31

2.81

2009-12-31

3.02

2009-09-30

3.10

2009-06-30

3.04

2009-03-31

3.01

2008-12-31

2.85

2008-09-30

3.02

2008-06-30

2.61

2008-03-31

2.30

2007-12-31

2.36

2007-09-30

2.03

2007-06-30

1.73

2007-03-31

1.58

2006-12-31

1.38

2006-09-30

1.46

2006-06-30

1.01

2006-03-31

0.93

2005-09-30

0.77

2004-09-30

0.00

Debt to Equity Ratio: 1.17

WSBF Debt to Equity Ratio

WSBF Average Debt to Equity Ratio Chart

WSBF Current vs Average Debt to Equity Ratio Chart

WSBF Debt to Equity Ratio Metrics

WSBF Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

WSBF Debt to Equity Ratio History

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