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Waterstone Financial, Inc. is projected to rise to $28.05 by 2027, a +42% move from its current price of $19.76. WSBF is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean strong buy.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 7/12/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Jul 14 | $19.52 | $19.77 | $20.03 | +0.06% |
| Jul 15 | $19.42 | $19.78 | $20.15 | +0.11% |
| Jul 16 | $19.36 | $19.79 | $20.24 | +0.17% |
| Jul 17 | $19.30 | $19.81 | $20.32 | +0.23% |
| Jul 18 | $19.25 | $19.82 | $20.40 | +0.29% |
| Jul 19 | $19.21 | $19.83 | $20.47 | +0.34% |
| Jul 20 | $19.17 | $19.84 | $20.53 | +0.40% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $19.17 | $19.84 | $20.53 | +0.40% |
| Week 2 | $18.98 | $19.92 | $20.91 | +0.80% |
| Week 3 | $18.85 | $20.00 | $21.22 | +1.21% |
| Week 4 | $18.75 | $20.08 | $21.50 | +1.61% |
| Week 5 | $18.67 | $20.16 | $21.76 | +2.02% |
| Week 6 | $18.61 | $20.24 | $22.01 | +2.43% |
| Week 7 | $18.56 | $20.32 | $22.25 | +2.84% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB, providing a range of financial services to customers in southeastern Wisconsin, United States. It operates in two segments, Community Banking and Mortgage Banking.
The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions—including checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, IRAs, and certificates of deposit; residential mortgages, home equity loans and lines of credit; personal and installment loans; real estate financing; business loans and lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. The Mortgage Banking segment offers residential mortgage loans for sale in the secondary market and invests in a portfolio of securities including mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc.
and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial was founded in 1921 and is based in Wauwatosa, Wisconsin.
Waterstone Financial, Inc. (WSBF) is a financial services company with a bank-holding structure serving customers in southeastern Wisconsin. It currently trades around $19.62 per share and has a market capitalization of $354.2M, ranking 3299 by market cap.
The stock’s near-term outlook aligns with a neutral view for 2026, while the long-run forecast shows a clear bullish trajectory with substantial potential appreciation through 2050. These projections highlight a path of rising averages and strong upside potential, balanced by the inherent uncertainty of forward estimates.
A major floor 14.4% below — a decisive break under it would weaken the trend.
The nearest floor, 7.9% below — buyers have tended to step in here.
The nearest ceiling, 5.7% above — a clean break opens room to run.
A major ceiling 12.9% above — clearing it would confirm fresh momentum.
Key WSBF support and resistance from recent price action — levels where the trend has historically paused or reversed. Percentages are the distance from the current price.
A snapshot of WSBF market posture derived from its technical indicators and recent volatility. Higher trend and alignment lean bullish; higher risk means larger swings.
Technical Analysis
Indicators computed on daily closing prices.
| Period | SMA | Action | EMA | Action |
|---|---|---|---|---|
| MA 5 | $19.73 | Buy | $19.80 | Sell |
| MA 10 | $20.19 | Sell | $19.89 | Sell |
| MA 20 | $19.80 | Sell | $19.73 | Buy |
| MA 50 | $18.97 | Buy | $19.18 | Buy |
| MA 100 | $18.51 | Buy | $18.56 | Buy |
| MA 200 | $17.40 | Buy | $17.54 | Buy |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 52.67 | Neutral |
| Stoch RSI (14) | 19.71 | Buy |
| CCI (20) | -5.51 | Neutral |
| Williams %R (14) | -64.57 | Info |
| MACD (12,26,9) | -0.10 | Sell |
| ROC (12) | 1.44 | Buy |
| Bollinger %B (20,2) | 0.48 | Neutral |
| Stochastic %K (14) | 35.43 | Neutral |
| TRIX (15) | 0.30 | Buy |
| Awesome (5,34) | 0.42 | Buy |
| Ultimate (7,14,28) | 40.92 | Neutral |
| Momentum (10) | -0.42 | Sell |
| Aroon Osc (25) | 76.00 | Buy |
| Hull MA (9) | 19.33 | Buy |
| ADX (14) | 20.68 | Buy |
| ATR (14) | 0.26 | Info |
The 30-day technical picture is bullish with an overbought-leaning RSI of 70. The stock trades above the SMA50 of $18.42 and above the SMA200 of $16.96, suggesting constructive momentum. Support is noted at $17.90 and resistance at $19.62, with a 30-day price range from $18.29 to $21.05.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $16.46 | $19.76 | $26.57 | 0% | Neutral | |
| $22.97 | $28.05 | $35.81 | +42% | Bullish | |
| $25.36 | $31.55 | $41.36 | +60% | Bullish | |
| $27.96 | $35.32 | $47.29 | +79% | Bullish | |
| $31.59 | $40.44 | $55.12 | +105% | Bullish | |
| $31.29 | $40.55 | $56.15 | +105% | Bullish | |
| $35.07 | $45.96 | $64.54 | +133% | Bullish | |
| $43.12 | $57.10 | $81.23 | +189% | Bullish | |
| $47.65 | $63.73 | $91.74 | +223% | Bullish | |
| $53.27 | $71.92 | $104.69 | +264% | Bullish | |
| $73.17 | $103.04 | $157.17 | +421% | Bullish | |
| $143.97 | $217.42 | $355.50 | +10.0x | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| July 2026 | $16.46 | $19.76 | $23.22 | +0.00% |
| August 2026 | $17.01 | $19.90 | $23.80 | +0.73% |
| September 2026 | $17.70 | $20.82 | $25.09 | +4.59% |
| October 2026 | $17.98 | $21.24 | $25.76 | +2.01% |
| November 2026 | $17.84 | $21.14 | $25.79 | -0.45% |
| December 2026 | $18.23 | $21.67 | $26.57 | +2.52% |
Click any year to see its month-by-month WSBF forecast. Min / Avg / Max are a bear / base / bull scenario; ROI is the projected move from the current price. Change is the month-over-month move in the average. Estimates, not guarantees.
Waterstone Financial, Inc.'s 2026 outlook centres on $19.76, within a $16.46 to $26.57 range. That marks a 0% change versus current levels. A consolidation phase looks the most probable path here.
By 2027, WSBF could reach as high as $35.81, with a base case around $28.05 and support toward $22.97 — roughly +42% from $19.76. Momentum favours further upside here.
Expect WSBF to range from $25.36 to $41.36 through 2028. The $31.55 average target implies a +60% move from current prices. That is up +12% on the projected 2027 average. Buyers look set to stay in control over this stretch.
The WSBF price prediction for 2029 points to an average of $35.32 (low $27.96, high $47.29) — a potential gain of +79% on today's $19.76. Momentum favours further upside here.
In 2030, WSBF is projected to trade between $31.59 and $55.12, averaging $40.44 — a potential gain of +105% from today's $19.76. That is up +15% on the projected 2029 average. Buyers look set to stay in control over this stretch.
Waterstone Financial, Inc.'s 2031 outlook centres on $40.55, within a $31.29 to $56.15 range. That is up 0% on the projected 2030 average. That marks a +105% change versus current levels. Momentum favours further upside here.
By 2032, WSBF could reach as high as $64.54, with a base case around $45.96 and support toward $35.07 — roughly +133% from $19.76. Buyers look set to stay in control over this stretch.
Expect WSBF to range from $43.12 to $81.23 through 2033. The $57.10 average target implies a +189% move from current prices. That is up +24% on the projected 2032 average. Momentum favours further upside here.
The WSBF price prediction for 2034 points to an average of $63.73 (low $47.65, high $91.74) — a potential gain of +223% on today's $19.76. Buyers look set to stay in control over this stretch.
In 2035, WSBF is projected to trade between $53.27 and $104.69, averaging $71.92 — a potential gain of +264% from today's $19.76. That is up +13% on the projected 2034 average. Momentum favours further upside here.
Waterstone Financial, Inc.'s 2040 outlook centres on $103.04, within a $73.17 to $157.17 range. That is up +43% on the projected 2035 average. That marks a +421% change versus current levels. Buyers look set to stay in control over this stretch.
By 2050, WSBF could reach as high as $355.50, with a base case around $217.42 and support toward $143.97 — roughly +10.0x from $19.76. Momentum favours further upside here.
Investing $1,000 in WSBF today (≈ 50.607287 WSBF) could be worth
$11,003.15
+$10,003.15 (+1000%) by 2050 · US Dollar
Based on the average projected WSBF price of $217.42 in 2050.
Based on the base (average) forecast scenario. FX rates are indicative. Estimates only — not financial advice.
See what a past investment in WSBFwould be worth at today's price.
$1,000 invested in WSBF on Jul 10, 2025 (≈ 72.992702 WSBF) would be worth
$1,442.34
+$442.34 (+44.2%) today · 1.44× · US Dollar
Based on a WSBF entry price of $13.7 vs. today's $19.76.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $20.6 | $959.22 | -4.1% |
| 1 month ago | $19.36 | $1,020.66 | +2.1% |
| 3 months ago | $18.55 | $1,065.23 | +6.5% |
| 6 months ago | $17.02 | $1,160.99 | +16.1% |
| 1 year ago | $13.7 | $1,442.34 | +44.2% |
| All time (5.0y) ago | $19.17 | $1,030.78 | +3.1% |
Past performance from historical market data — it does not predict future results. FX rates are indicative. Not financial advice.
Enter a price to see how it sits against our WSBF forecast.
Our base-case forecast reaches $40.00 around 2030.
Implied market cap at $40.00: $722.12M
The multi-year forecast depicts a bullish trajectory for Waterstone Financial, Inc. The 2026 average price is $19.62 with a neutral sentiment and a 0% ROI, followed by a strong rise in subsequent years. By 2027 the average is forecast at $27.38 with a 39.5% ROI and bullish sentiment, rising to $31.82 (62.2% ROI) in 2028 and $35.49 (80.9% ROI) in 2029.
The 2030 average reaches $38.71 with a 97.3% ROI, and 2031, 2032, and 2033 show continued gains with averages of $40.04, $46.05, and $55.40 respectively, and ROIs of 104.1%, 134.7%, and 182.4%. The trend continues through 2034 ($62.19, 217%), 2035 ($70.56, 259.6%), and into 2040 where the average is $100.99 (414.7%). By 2050 the forecasted average is $209.65 with a 968.5% ROI, all with bullish sentiment.
These figures describe a long-term growth path, but they are estimates and not guarantees; actual outcomes may vary due to market conditions and other factors.
Tap a question to reveal the answer.
2030 forecast: min $30.20, avg $38.71, max $52.83, ROI 97.3%, sentiment BULLISH.
Forecasts show a bullish trajectory from 2027 onward, with avg prices of $27.38 (2027), $31.82 (2028), $35.49 (2029), $38.71 (2030), up to $209.65 (2050) and ROIs up to 968.5%. These are estimates, not guarantees.
Yes. The 2040 forecast lists an average price of $100.99 and a max of $154.14, with a 414.7% ROI and bullish sentiment.
Current price: $19.62. Market cap: $354.2M.
30-day range: $18.29 to $21.05. RSI(14) at 70. SMA50 is $18.42 and SMA200 is $16.96. Support: $17.90. Resistance: $19.62. Sentiment: BULLISH. Annualized volatility: 20%.
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