Revenue Breakdown
Composition ()
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Revenue Streams
Waterstone Financial Inc (WSBF) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Mortgage Banking, accounting for 68.0% of total sales, equivalent to $32.01M. Other significant revenue streams include Community Banking and Holding Company & Other. Understanding this composition is critical for investors evaluating how WSBF navigates market cycles within the Banks industry.
Profitability & Margins
Evaluating the bottom line, Waterstone Financial Inc maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 27.87%, while the net margin is 22.04%. These profitability ratios, combined with a Return on Equity (ROE) of 7.67%, provide a clear picture of how effectively WSBF converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, WSBF competes directly with industry leaders such as TROO and JFIN. With a market capitalization of $331.58M, it holds a significant position in the sector. When comparing efficiency, WSBF's gross margin of N/A stands against TROO's 14.80% and JFIN's N/A. Such benchmarking helps identify whether Waterstone Financial Inc is trading at a premium or discount relative to its financial performance.
