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WSBF Waterstone Financial, Inc. — dividend yield, history & ex-dividend dates

NASDAQ Global Select· Quarterly dividend· Common Stock · Financial Services / Banks - Regional

$19.77 ▼ $-0.04(-0.20%) as of Oct 29, 2026 06:20 UTC
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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.

Dividend Snapshot

StatusReduced
Last Dividend$0.1700Pays Nov 02, 2026
Forward Annual$0.68From the $0.1700 dividend declared Sep 22, 2026
FrequencyQuarterly
Last Ex-DateOct 08, 2026The most recent ex-dividend date that has already passed.
1-Yr Growth0.0%Annual totals, 2024–2025
10-Yr Growth11.6%Annual totals, 2015–2025

Research Scores

Scores describe this security's published financial data on a 0–100 scale using the formulas on our methodology pages. They are the same for every reader, are not a probability or a forecast, and are not a recommendation. Past dividend growth does not guarantee future increases. Report a data error.

Dividend Safety Score

87/100

Very strong indicators

Complete data

Dividend Growth Score

71/100

Strong growth record

Complete data

Dividend Value Score

53/100

Near own historical valuation

Complete data

DividendRank

72/100

Upper middle of the scale

Complete data

How the Dividend Safety Score is built for WSBF
InputValuePointsWeight
Dividend record12 years of uninterrupted regular payments; last cut Oct 5, 2023 (-25.0%), within 10 years: capped at 50 50 25%
Earnings stabilityNet income positive in 5 of the last 5 fiscal years (FY2021–FY2025) 100 15%
Earnings payout ratioEarnings payout ratio 36% (TTM to Jun 30, 2026) 98 30%
Equity / assetsEquity / assets 15.6% (balance sheet Jun 30, 2026) 100 20%
Return on assetsReturn on assets 1.33% (TTM to Jun 30, 2026; average total assets) 100 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: bank. Formula version 2026-10-19.4.

How the Dividend Growth Score is built for WSBF
InputValuePointsWeight
5-year dividend growth5-year dividend CAGR 4.6% (2020–2025) 69 25%
Consecutive annual increases0 consecutive annual increases (through 2025) 10 20%
Payout headroomHeadroom from the earnings payout ratio 36% (TTM to Jun 30, 2026) 98 20%
Earnings per share growth (3 years)EPS CAGR 18.5% (FY2022–FY2025) 100 15%
10-year dividend growth10-year dividend CAGR 11.6% (2015–2025) 100 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: bank. Formula version 2026-10-19.4.

How the Dividend Value Score is built for WSBF
InputValuePointsWeight
Yield vs own historyCurrent yield at the 52nd percentile of its 120 month-end yields 52 45%
P/B vs own 5-year medianP/B 1.0 is 1.16x its 5-year median of 0.8 30 30%
P/B vs peersP/B 1.0 vs peer median 1.4 (0.73x; 118 bank / Financial Services securities) 84 25%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: bank. Formula version 2026-10-19.4.

Key Metrics

Current Yield

3.44%

At the Oct 29, 2026 price

The annual dividend as a percentage of the share price. A 3% yield is about $3 of dividends a year for every $100 invested at today's price.

Annualized Dividend

$0.6800

Declared Sep 22, 2026

The latest declared regular dividend scaled to a full year by how often it's paid (for semi-annual payers, the latest two payments), adjusted for stock splits. A $0.25 quarterly dividend annualizes to $1.00. Special dividends are excluded.

Frequency

Q Quarterly

How often the dividend is paid, read from the dates of recent payments: Q = quarterly (4x a year), M = monthly, S = semi-annual, A = annual.

RSI (14)

44

As of Oct 29, 2026

Relative Strength Index (0-100), a price-momentum gauge. Above 70 is often called 'overbought', below 30 'oversold'. A technical signal, not a dividend metric.

52-Week Range

$14.81 – $21.52

Closes through Oct 23, 2026

The lowest and highest price over the past year, showing where today's price sits in its recent range.

Payout Ratio (TTM)

35.94%

12 months to Jun 30, 2026 (Q2 FY2026)

The share of earnings paid out as dividends over the trailing twelve months (TTM): dividends paid divided by net income across the company's four most recent reported quarters, dated by the latest quarter end. A fiscal-year tag such as FY2025 means only annual figures were available. Lower leaves more cushion; above 100% means paying out more than the company earned. It shows n/a for funds and when net income over the period was negative; for REITs and BDCs it is marked EPS-based, since they are judged on FFO/AFFO or net investment income instead.

Years Paying

12

How many years of payments we have on record. This can understate very long histories where our data doesn't reach far enough back.

Price / Book (TTM)

0.98

Price as of Oct 25, 2026; latest reported book value

Price-to-book ratio: the share price on the date shown divided by the latest reported book value per share. A rough valuation gauge, most useful for asset-heavy sectors like REITs, banks and insurers.

S.A.F.E. Dividend Read

S.A.F.E. is a set of four checks on a dividend's record and the company's data, the same test used across the screener and our ranked lists. Solid: a Dividend Safety Score of 70+ and a yield of 2%+. Accelerating: at least three consecutive completed calendar years of higher total regular dividends. Flawless: since 1990, no calendar year whose total regular dividend fell more than 20% below the year before, and no suspension. Enduring: at least 20 years between the first and latest dividend in our records. All four met earns the S.A.F.E. flag.
S Solid
Meets the Solid check: Dividend Safety Score 87/100 and yield 3.44%.
A Accelerating
Dividend growth has stalled — 0 consecutive annual increase(s), under the 3 this check looks for.
F Flawless
A calendar year's regular dividend total fell more than 20% below the year before.
E Enduring
12 year(s) of payments on record, under the 20 this check looks for.

Quote & Key Data

ExchangeNASDAQ Global SelectThe stock exchange where the shares trade, such as NYSE or Nasdaq.
Volume46,100Oct 23, 2026 sessionHow many shares changed hands in the trading session dated beside this figure, a rough read on trading activity. Daily bars are refreshed on a slower cycle than the quoted price, so this session can be older than the price above.
Open$19.90Oct 23, 2026 sessionThe price at the start of the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Day Range$19.50 – $20.04Oct 23, 2026 sessionThe lowest and highest price during the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Prev Close$20.07Close of Oct 22, 2026The closing price from the session before the one dated beside these figures.
Market Cap$355.41MAs of Oct 29, 2026The company's total market value (share price times shares outstanding) on the date shown.
Shares Out17.98MImplied by market cap, Oct 29, 2026Shares outstanding implied by the market cap and share price on the date shown.
EPS (TTM)$1.7512 months to Jun 30, 2026 (Q2 FY2026)Earnings per share over the trailing twelve months (TTM), labeled with the end date of the latest reported quarter and shown in the company's reporting currency. Dividends are paid out of these earnings.
P/E (TTM)11.6Price as of Oct 25, 2026; earnings to Jun 30, 2026Price-to-earnings ratio: the share price on the date shown divided by trailing-twelve-month earnings per share. A rough gauge of how richly the stock is valued.
Last Ex-DateOct 08, 2026Pays Nov 02, 2026The most recent ex-dividend date that has already passed.
Next Ex-DateN/ANone declared yetThe ex-dividend date of the next payment the company has declared, or that is scheduled when no declaration is on file. Future dates our data provider only projects are not shown.

Dividend Growth

3-Yr Growth (CAGR)-9.1%Annual totals, 2022–2025The dividend's average annual growth rate over the period, compounded.
5-Yr Growth (CAGR)4.6%Annual totals, 2020–2025The dividend's average annual growth rate over the period, compounded.
Consecutive Increases0 yrsAnnual totals through 2025The number of consecutive years the dividend has increased.

Why the Yield Moved (90 Days)

WSBF's dividend yield rose from 3.31% to 3.44% over the past ~90 days (+0.13 pp). Of that move, +0.00 pp came from changes in the dividend rate and +0.13 pp from the share price ($20.52 on Jul 31, 2026 → $19.77 on Oct 29, 2026). A yield that rises because the price fell is not an improvement in the payout itself.

Yield vs Its Own History

Current3.44%
1-Yr Average3.53%
Low / High3.16% – 4.10%
Percentile39%

Across 273 daily observations over the past 13 months (through Oct 23, 2026), WSBF's current yield is higher than approximately 39% of them. Our stored price history for WSBF covers the past 13 months; 3- and 5-year averages are not yet computable from it and are deliberately not shown.

Adjusted Price History

Dividend History

Dividend Payment History

Ex-dividend calendar →
Amount Type Declared Ex-Date Record Pay
$0.1700 Q Regular Sep 22, 2026 Oct 08, 2026 Oct 08, 2026 Nov 02, 2026
$0.1700 Q Regular Jun 23, 2026 Jul 08, 2026 Jul 08, 2026 Aug 03, 2026
$0.1700 Q Regular Mar 17, 2026 Apr 08, 2026 Apr 08, 2026 May 01, 2026
$0.1500 Q Regular Dec 18, 2025 Jan 08, 2026 Jan 08, 2026 Feb 02, 2026
$0.1500 Q Regular Sep 23, 2025 Oct 08, 2025 Oct 08, 2025 Nov 03, 2025
$0.1500 Q Regular Jun 17, 2025 Jul 08, 2025 Jul 08, 2025 Aug 01, 2025
$0.1500 Q Regular Mar 20, 2025 Apr 08, 2025 Apr 08, 2025 May 01, 2025
$0.1500 Q Regular Dec 19, 2024 Jan 08, 2025 Jan 08, 2025 Feb 03, 2025
$0.1500 Q Regular Sep 24, 2024 Oct 08, 2024 Oct 08, 2024 Nov 01, 2024
$0.1500 Q Regular Jun 18, 2024 Jul 08, 2024 Jul 08, 2024 Aug 01, 2024
$0.1500 Q Regular Mar 21, 2024 Apr 05, 2024 Apr 08, 2024 May 01, 2024
$0.1500 Q Regular Dec 21, 2023 Jan 05, 2024 Jan 08, 2024 Feb 01, 2024
$0.1500 Q Regular Sep 26, 2023 Oct 05, 2023 Oct 09, 2023 Nov 01, 2023
$0.2000 Q Regular Jun 29, 2023 Jul 07, 2023 Jul 10, 2023 Aug 02, 2023
$0.2000 Q Regular Mar 22, 2023 Apr 06, 2023 Apr 10, 2023 May 02, 2023
$0.2000 Q Regular Dec 15, 2022 Jan 06, 2023 Jan 09, 2023 Feb 01, 2023
$0.2000 Q Regular Sep 27, 2022 Oct 06, 2022 Oct 10, 2022 Nov 01, 2022
$0.2000 Q Regular Jun 23, 2022 Jul 08, 2022 Jul 11, 2022 Aug 02, 2022
$0.2000 S Regular Mar 15, 2022 Apr 08, 2022 Apr 11, 2022 May 03, 2022
$0.7000 S Regular Dec 15, 2021 Jan 07, 2022 Jan 10, 2022 Feb 01, 2022
$0.2000 Q Regular Sep 21, 2021 Oct 07, 2021 Oct 11, 2021 Nov 02, 2021
$0.2000 Q Regular Jun 15, 2021 Jul 09, 2021 Jul 12, 2021 Aug 03, 2021
$0.5000 S Special May 28, 2021 Jun 10, 2021 Jun 11, 2021 Jun 15, 2021
$0.2000 Q Regular Mar 16, 2021 Apr 09, 2021 Apr 12, 2021 May 04, 2021
$0.2000 Q Regular Dec 17, 2020 Jan 08, 2021 Jan 11, 2021 Feb 02, 2021
$0.3000 S Special Nov 17, 2020 Nov 30, 2020 Dec 01, 2020 Dec 08, 2020
$0.1200 Q Regular Sep 22, 2020 Oct 08, 2020 Oct 12, 2020 Nov 02, 2020
$0.1200 Q Regular Jun 16, 2020 Jul 10, 2020 Jul 13, 2020 Aug 03, 2020
$0.1200 Q Regular Mar 24, 2020 Apr 08, 2020 Apr 10, 2020 May 01, 2020
$0.5000 S Special Feb 25, 2020 Mar 10, 2020 Mar 11, 2020 Apr 02, 2020
$0.1200 Q Regular Dec 18, 2019 Jan 09, 2020 Jan 10, 2020 Feb 03, 2020
$0.1200 Q Regular Sep 17, 2019 Oct 10, 2019 Oct 11, 2019 Nov 01, 2019
$0.1200 Q Regular Jun 18, 2019 Jul 11, 2019 Jul 12, 2019 Aug 02, 2019
$0.1200 Q Regular Mar 25, 2019 Apr 11, 2019 Apr 12, 2019 May 03, 2019
$0.5000 S Special Mar 11, 2019 Mar 20, 2019 Mar 21, 2019 Apr 02, 2019
$0.1200 Q Regular Dec 20, 2018 Jan 09, 2019 Jan 10, 2019 Feb 01, 2019
$0.1200 Q Regular Sep 18, 2018 Oct 11, 2018 Oct 12, 2018 Nov 02, 2018
$0.1200 Q Regular Jun 19, 2018 Jul 11, 2018 Jul 12, 2018 Aug 02, 2018
$0.1200 Q Regular Mar 20, 2018 Apr 11, 2018 Apr 12, 2018 May 02, 2018
$0.5000 S Special Feb 20, 2018 Mar 08, 2018 Mar 10, 2018 Apr 02, 2018
$0.1200 Q Regular Dec 21, 2017 Jan 11, 2018 Jan 12, 2018 Feb 02, 2018
$0.1200 Q Regular Sep 19, 2017 Oct 11, 2017 Oct 12, 2017 Nov 02, 2017
$0.1200 Q Regular Jun 20, 2017 Jul 10, 2017 Jul 12, 2017 Aug 02, 2017
$0.5000 M Special Apr 19, 2017 May 10, 2017 May 12, 2017 Jun 02, 2017
$0.1200 Q Regular Mar 22, 2017 Apr 10, 2017 Apr 12, 2017 May 02, 2017
$0.1200 Q Regular Dec 23, 2016 Jan 06, 2017 Jan 10, 2017 Feb 02, 2017
$0.0800 Q Regular Sep 20, 2016 Oct 06, 2016 Oct 11, 2016 Nov 01, 2016
$0.0800 Q Regular Jun 22, 2016 Jul 08, 2016 Jul 12, 2016 Aug 02, 2016
$0.0500 Q Regular Mar 16, 2016 Apr 08, 2016 Apr 12, 2016 May 02, 2016
$0.0500 Q Regular Dec 21, 2015 Jan 07, 2016 Jan 11, 2016 Feb 01, 2016
$0.0500 Q Regular Sep 25, 2015 Oct 07, 2015 Oct 12, 2015 Nov 02, 2015
$0.0500 Q Regular Jun 24, 2015 Jul 08, 2015 Jul 10, 2015 Aug 03, 2015
$0.0500 Q Regular Mar 20, 2015 Apr 08, 2015 Apr 10, 2015 May 04, 2015
$0.0500 Q Regular Dec 22, 2014 Jan 08, 2015 Jan 12, 2015 Feb 02, 2015
$0.0500 Q Regular Sep 24, 2014 Oct 08, 2014 Oct 11, 2014 Nov 03, 2014
$0.0500 Q Regular Jun 20, 2014 Jul 09, 2014 Jul 11, 2014 Aug 01, 2014
$0.0500 Q Regular Mar 20, 2014 Apr 09, 2014 Apr 11, 2014 May 02, 2014

Peer Comparison

Selected Banks - Regional dividend payers we cover, strongest DividendRank first — for context, not a recommendation.

TickerNameYield5-Yr GrowthStreakRank
FCNCB First Citizens BancShares, Inc. 0.50% 36.6% 9 yrs 89
PB Prosperity Bancshares, Inc. 3.60% 4.6% 24 yrs 86
CBSH Commerce Bancshares, Inc. 2.00% 5.1% 35 yrs 85
NECB Northeast Community Bancorp, Inc. 3.49% 44.3% 2 yrs 84

Related Guides & Lists

WSBF dividend — frequently asked questions

Does Waterstone Financial, Inc. pay a dividend?

Yes. Waterstone Financial, Inc. (WSBF) currently pays a dividend. The annualized dividend is about $0.68 per share, a yield of approximately 3.44%.

What is Waterstone Financial, Inc.'s dividend yield?

Waterstone Financial, Inc.'s dividend yield is approximately 3.44%, based on the most recent regular payment annualized against the current share price. Yields move as the share price changes.

How often does Waterstone Financial, Inc. pay dividends?

Waterstone Financial, Inc. pays dividends quarterly — 4 times per year.

How long has Waterstone Financial, Inc. paid dividends?

Waterstone Financial, Inc. has 12 years of dividend payments on record.

Data updated Oct 29, 2026. This research page is generated from Dividendly's structured market and dividend dataset using the approach described on our methodology and data sources pages. Data is automatically validated using defined rules and may also be periodically reviewed. Research only, not investment advice. Spotted a data error? Report it.