Stock Ratings / Financials / WSBF / options

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Waterstone Financial Inc. (MD) (WSBF) Options Positioning, Max Pain & Unusual Sweeps

$19.83 +0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Waterstone Financial Inc. (MD) (WSBF) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $356.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WSBF)Realized 20D OHLCV Swing Band: ±4.5%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.5%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (WSBF)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for WSBF.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WSBF)

✓Walkthrough of WSBF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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WSBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.04%📐 HORIZONTAL RANGE

2026-10-30O $19.80H $19.87L $19.53C $19.83VOL 39.9K

RES: $22.35SUP: $19.27SMA50: $20.38SMA200: $19.20

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WSBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WSBF Butterfly Map → + Track WSBF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WSBF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WSBF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WSBF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WSBF)

Financials Rank #617 of 1096 ⚔️ WNEB vs WSBF Full Matrix →

1. Head-to-Head Financials Peer Comparison (WSBF vs. WNEB, FNRN, BCBP, FMAO)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Waterstone Financial Inc. (MD) (WSBF) ranks #617 by composite RQD confidence (58/100, grade D+) and #778 by equity capitalization ($356.5M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while FMAO leads on capital efficiency and profitability with 9.0% ROIC and — gross margin. FMAO currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with WSBF at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WSBF ACTIVE Waterstone Financial Inc. (MD)	D+	58/100	13.5x	—	7.6%	+0.30%	$356.5M	Benchmark Subject
WNEB Western New England Bancorp Inc.	C	63/100	18.5x	—	6.2%	+2.40%	$282.2M	/wneb-vs-wsbf →
FNRN First Northern Community Bancorp	D	49/100	—	—	0.0%	+1.19%	$278.4M	/fnrn-vs-wsbf →
BCBP BCB Bancorp Inc. (NJ)	D	49/100	—	—	-4.1%	+0.47%	$264.8M	/bcbp-vs-wsbf →
FMAO Farmers & Merchants Bancorp Inc.	C+	67/100	15.3x	—	9.0%	+1.48%	$510.7M	/fmao-vs-wsbf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001569994

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Waterstone Financial Inc. (MD) (WSBF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $26.4M, operating cash flow of $24.2M, and free cash flow of $23.0M (-51.0% YoY). On the balance sheet, WSBF closed FY2025 with $2.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$26.4M	$24.2M	$23.0M	$2.26B	—
FY2024 (FY)	2024-12-31	$0	$18.7M	$48.1M	$47.0M	$2.21B	—
FY2023 (FY)	2023-12-31	$0	$9.4M	-$27.6M	-$27.6M	—	—

3. WSBF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WSBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Waterstone Financial Inc. (MD) (NASDAQ: WSBF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $19.83 (+0.30% 1D, market cap $356.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WSBF ranks #617 in composite RQD confidence.

How does WSBF compare to WNEB and FNRN in the Financials sector?

Within the Financials sector (Savings Institutions), WSBF carries a Roarable D+ (58/100 RQD), trailing P/E of 13.5x, gross margin of —, and ROIC of 7.6%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (63/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M) and FNRN (First Northern Community Bancorp) posts a D grade (49/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while FMAO leads on capital efficiency (9.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WSBF?

Per WSBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001569994), Waterstone Financial Inc. (MD) generated $0 in revenue, $26.4M in net income, and $23.0M in free cash flow against $2.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WSBF trading relative to its 50-day, 200-day, and 52-week technical levels?

WSBF last traded at $19.83 (+0.30% on volume of 44,219 shares), positioning the stock -2.70% below its 50-day simple moving average ($20.38) and +3.28% above its 200-day simple moving average ($19.20). Across its 52-week range of $15.05 to $21.66, WSBF sits at the 72.3% percentile with a 14-day RSI of 39.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($18.94 to $20.72).

WSBF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is WSBF's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for WSBF.

Direct Sub-Reports: WSBF RQD Cockpit WSBF 12M Forecast WSBF Earnings & Move WSBF Dividends & DRIP WSBF Insiders & 13F WSBF Whale Options WSBF Profit Sankey WSBF News & Why