Waterstone Financial Inc Cash Flow Quality Index
Waterstone Financial Inc cash flow quality index. Waterstone Financial Inc (WSBF) has a Cash Flow Quality Index of 1.12x as of June 2026. Operating cash flow of $9.50 Million exceeds net income of $8.46 Million, indicating high earnings quality where cash backs reported profits. See WSBF financial flexibility score to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Waterstone Financial Inc (2003–2025)
Cash flow quality index of Waterstone Financial Inc from 2003 to 2025. Historical Cash Flow Quality Index for Waterstone Financial Inc across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore cash flow to debt ratio of Waterstone Financial Inc to assess how comfortably operating cash covers total debt obligations.
Waterstone Financial Inc Cash Flow Quality Index by Year (2003–2025)
Waterstone Financial Inc cash flow quality index by year from 2003 to 2025. Year-by-year earnings quality comparison for Waterstone Financial Inc. For the full cash flow conversion analysis, see Waterstone Financial Inc cash flow conversion.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.72x | $19.02 Million | $26.40 Million | ▼ -72.0% |
| 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 | — |