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WSBF Dividend DRIP Calculator 2026
3.06% YieldFinancial ServicesWaterstone Financial, Inc. · NASDAQ
Price: $20.92 · Annual div: $0.64/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When WSBF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in WSBF → $2.6K in 10 years · $0.03/month
About Waterstone Financial, Inc. (WSBF) — Dividend Analysis 2026
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.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 WSBF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold WSBF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.06% | 0.26% | $306 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.60% | -0.20% | $260 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.45% | -0.35% | $245 / yr |
| 🇬🇧 UK ISA | 0% | 3.06% | 0.26% | $306 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.79% | -0.01% | $279 / yr |
| 🇨🇦 TFSA | 0% | 3.06% | 0.26% | $306 / yr |
| 🇨🇦 CA Taxable | 25% | 2.29% | -0.50% | $229 / yr |
| 🇦🇺 Super (pension) | 15% | 2.60% | -0.20% | $260 / yr |
| 🇦🇺 AU Taxable | 30% | 2.14% | -0.66% | $214 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.25% | -0.55% | $225 / yr |
| 🇫🇷 FR Taxable | 30% | 2.14% | -0.66% | $214 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 WSBF Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.64/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 WSBF Dividend Payment Schedule
WSBF pays quarterly — 4 times per year. Next ex-div: TBD.
📊 WSBF vs Financial Services Benchmarks
How WSBF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for WSBF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ WSBF Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-08-13 | 10,000 | $17.20 | $172.0K | ||
| Sale | 2026-08-13 | 620 | $21.10 | $13.1K | ||
| Sale | 2026-08-13 | 1,300 | $21.11 | $27.4K | ||
| Sale | 2026-08-13 | 6,237 | $21.14 | $131.9K | ||
| M-Exempt | 2026-08-13 | 10,000 | $17.20 | $172.0K | ||
| M-Exempt | 2026-05-21 | 10,000 | $14.98 | $149.8K | ||
| Sale | 2026-05-21 | 10,000 | $18.34 | $183.4K | ||
| M-Exempt | 2026-05-21 | 10,000 | $14.98 | $149.8K | ||
| Sale | 2026-02-18 | 2,880 | $18.11 | $52.2K | ||
| Sale | 2026-02-06 | 6,765 | $18.27 | $123.6K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the WSBF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Waterstone Financial, Inc. (WSBF) is currently trading at $20.92, 5% below its 52-week high. The current dividend yield is 3.06% based on an annual payout of $0.64 per share.
WSBF (Waterstone Financial, Inc.) — 3.06% Dividend Yield Analysis
Waterstone Financial, Inc. (WSBF) is a financial services stock currently trading at $20.92 with a dividend yield of 3.06%. The company pays an annual dividend of $0.64 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, WSBF has grown its dividend at a compound annual rate of 50.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest WSBF News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.