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Waterstone Financial, Inc.

Stage 3 · Topping · week 1

As of Oct 22, 2026, Waterstone Financial is in Stage 3, the topping phase, now in its first week (since Oct 20, 2026). It closed at $20.07, 5.9% below its 52-week high and above its 200-day average, which is rising.

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. More about the company

$20.07
+2.29% today
$361M · Small cap
Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22
S4 15w
S2 29w
S2 63w
2023-08-162026-10-22
S1S2S3S4Setup score (0–10, dashed line at 5)
S1 1w → S4 15w → S1 6w → S2 7w → S3 3w → S4 8w → S1 3w → S2 29w → S3 6w → S4 5w → S1 3w → S4 10w → S1 6w → S2 63w → S3 1w current
Total tracked: 165 weeks across 15 stage runs.

WSBF among Banks - Regional91st of 319 by relative strength

All 319 →
Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#StockStageRS1M
1OPHCStage 2 · wk 3896−1.0%
2MSBIStage 2 · wk 4395+1.8%
3CMTVStage 2 · wk 7294+11.5%
4VBNKStage 2 · wk 2594−0.9%
5AMALStage 3 · wk 294+8.1%
6BOTJStage 2 · wk 5893+9.0%
7ATLOStage 2 · wk 6892+9.5%
8RBKBStage 2 · wk 3892+0.9%
…91WSBFStage 3 · wk 182−0.4%
vs 52W High
-5.9%
$14.29 lo$21.33 hi
5.9% below 52W high, weakening from peak
The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.
Stage Maturity
Week 1
1w13w26w
Week 1, early distribution
How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.
vs 200 DMA
6.7%
200 DMA: $18.82 · rising
Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.
Rel Volume
0.49x
vs 50-day avg
Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.
Trend Health
↓
Short-term trend rolling over
Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.
1M
-0.4%
3M
+0.9%
6M
+13.6%
YTD
+26.3%
1Y
+40.2%
Scan Membership
Breakout Watch
Latest: 2024-06-14
6 appearances in last 60 days. First seen: 2019-04-09.
A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.
Recent Stage Timeline
2026-10-22S3
Wk 1 · Vol 0.49x
2026-10-21S3
Wk 1 · Vol 0.41x
2026-10-20S32→3
Wk 1 · Vol 0.60x
2026-10-19S2
Wk 61 · Vol 0.57x
2026-10-16S2
Wk 61 · Vol 0.51x
2026-10-15S2
Wk 61 · Vol 0.97x
2026-10-14S2
Wk 61 · Vol 1.07x
2026-10-13S2
Wk 60 · Vol 0.85x
2026-10-12S2
Wk 60 · Vol 1.16x
2026-10-09S2
Wk 60 · Vol 1.00x
2026-10-08S2
Wk 60 · Vol 0.82x
2026-10-07S2
Wk 60 · Vol 0.73x
Moving averages & range
50 DMA
$20.41
200 DMA
$18.82
52W High
$21.33
52W Low
$14.29
5D Low
$19.62
Resistance levels (recent highs)
20d High
$20.21
60d High
$21.33
120d High
$21.33
250d High
$21.33
Next resistance
+0.7%
to 20d High
P/E (TTM)
11.6
Forward 19.9
Earnings Growth (YoY)
+14.1%
Revenue +5.2%
ROE
+8.7%
Profit margin +20.0%
Dividend Yield
3.47%
P/B 1.0

Waterstone Financial: quick answers

What stage is Waterstone Financial in?

As of Oct 22, 2026, Waterstone Financial (WSBF) is in Stage 3, the topping phase. It entered Stage 3 on Oct 20, 2026 and is in its first week there. What the four stages mean

Is Waterstone Financial in an uptrend?

Its uptrend has stalled. Waterstone Financial is in Stage 3, the topping phase that follows an advance. It trades 6.7% above its 200-day average, which is rising.

How far is Waterstone Financial from its 52-week high?

Waterstone Financial closed at $20.07 on Oct 22, 2026, 5.9% below its 52-week high of $21.33. Its 52-week low is $14.29.

How has Waterstone Financial performed over the past year?

As of Oct 22, 2026, Waterstone Financial is up 40.2% over the past year and up 26.3% so far in 2026.

Which sector and industry is Waterstone Financial in?

Waterstone Financial is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the 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, such as 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, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities comprising 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, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.