Waterstone Financial AI Price Prediction

With EPS of 1.33 and a PE ratio of 12.38, Waterstone Financial appears reasonably valued relative to typical regional bank peers, suggesting neither clear undervaluation nor overvaluation based solely on earnings. The earnings profile implies modest profitability but not outsized growth, and there is no evidence here of strong acceleration or deterioration. Overall, the financial picture looks steady but not clearly catalytic for a major re-rating.

• PE ratio of 12.38 on EPS of 1.33 implies a stock price roughly in line with its current $16.47 level, suggesting the market is valuing earnings at a moderate multiple consistent with a stable, mature financial institution.
• The earnings level (EPS 1.33) indicates the company is profitable, but the data provided does not show rapid growth or contraction in earnings, pointing to a steady but unexciting earnings trajectory.
• Absent evidence of strong revenue or margin expansion, the current valuation suggests the stock is fairly priced on fundamentals, with limited indication of either deep value or aggressive growth expectations.

The stock trades at $16.47, about 16% above its 200-day moving average of $14.17, indicating a generally positive intermediate trend, but the recent 4.2% monthly gain is modest. An RSI of 45.95 is near the middle of the range, signaling neither overbought nor oversold conditions. Overall, the technical setup is constructive but not strongly momentum-driven.

• Price above the 200-day moving average ($16.47 vs. $14.17) indicates the longer-term trend is upward, which is mildly supportive for the stock.
• The 4.2% increase over the last month reflects a positive but not explosive short-term performance, consistent with a gradual recovery or steady uptrend rather than a sharp breakout.
• RSI at 45.95 is neutral, suggesting balanced buying and selling pressure and no strong technical signal of imminent reversal or continuation.

Waterstone Financial appears fairly valued with stable profitability and a mildly positive price trend, but without strong growth signals from either fundamentals or alternative data. Technicals are constructive yet not emphatically bullish, and the sharp decline in app downloads tempers the otherwise steady picture. Overall, the stock outlook is neutral, with balanced upside and downside risks in the near term.

• Fundamentals and valuation (EPS 1.33, PE 12.38) support a view that the stock is reasonably priced for a stable, mature financial institution rather than a high-growth story.
• While the price trading above the 200-day moving average is supportive, weakening digital engagement—especially the 50% drop in app downloads—dampens the growth narrative and justifies a neutral stance.