Waterstone Financial Inc (WSBF) — 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. Explore Waterstone Financial Inc (WSBF) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Waterstone Financial Inc cash flow conversion.
Annual Cash Flow Quality Index for Waterstone Financial Inc (2003–2025)
Year-by-year earnings quality comparison for Waterstone Financial Inc.
| 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 | — |