Waterstone Financial Inc (WSBF) — Cash Flow Quality Index
Waterstone Financial Inc (WSBF) has a Cash Flow Quality Index of -0.11x as of March 2026. Operating cash flow of $-647.00K is below net income of $6.00 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how efficiently does Waterstone Financial Inc generate cash to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Waterstone Financial Inc Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Waterstone Financial Inc across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check how aggressively does Waterstone Financial Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Waterstone Financial Inc (2003–2025)
Year-by-year earnings quality comparison for Waterstone Financial Inc. For live market cap and the full company financial profile, see Waterstone Financial Inc market cap and net worth.
| 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 | — |