Waterstone Financial Inc (WSBF) — Cash Flow Quality Index
Waterstone Financial Inc (WSBF) has a Cash Flow Quality Index of 4.13x as of September 2025. Operating cash flow of $32.72 Million exceeds net income of $7.93 Million, indicating high earnings quality where cash backs reported profits. Explore WSBF long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Waterstone Financial Inc Cash Flow Quality Index (2003–2024)
Historical Cash Flow Quality Index for Waterstone Financial Inc across 18 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Waterstone Financial Inc tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Waterstone Financial Inc (2003–2024)
Year-by-year earnings quality comparison for Waterstone Financial Inc. For live market cap and the full company financial profile, see Waterstone Financial Inc (WSBF) market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 2.57x | $48.06 Million | $18.69 Million | ▲ +187.4% |
| 2023 | -2.94x | $-27.58 Million | $9.38 Million | ▼ -127.7% |
| 2022 | 10.61x | $206.66 Million | $19.49 Million | ▲ +386.1% |
| 2021 | 2.18x | $154.45 Million | $70.79 Million | ▲ +276.0% |
| 2020 | -1.24x | $-100.57 Million | $81.14 Million | ▼ -10.6% |
| 2019 | -1.12x | $-40.22 Million | $35.90 Million | ▼ -183.0% |
| 2018 | 1.35x | $41.50 Million | $30.75 Million | ▼ -67.3% |
| 2017 | 4.12x | $107.10 Million | $25.96 Million | ▲ +537.7% |
| 2016 | -0.94x | $-24.06 Million | $25.53 Million | ▼ -20.2% |
| 2015 | -0.78x | $-12.99 Million | $16.57 Million | ▼ -350.5% |
| 2014 | -0.17x | $-2.22 Million | $12.73 Million | ▼ -104.9% |
| 2013 | 3.55x | $52.28 Million | $14.71 Million | ▲ +1625.3% |
| 2012 | -0.23x | $-8.14 Million | $34.91 Million | ▼ -62.1% |
| 2007 | -0.14x | $-224.00K | $1.56 Million | ▼ -111.4% |
| 2006 | 1.26x | $10.12 Million | $8.05 Million | ▼ -30.3% |
| 2005 | 1.80x | $9.78 Million | $5.43 Million | ▲ +25.8% |
| 2004 | 1.43x | $13.06 Million | $9.12 Million | ▲ +35.1% |
| 2003 | 1.06x | $11.22 Million | $10.58 Million | — |