What if you'd held WSBF?
A $1,000 investment in Waterstone Financial, Inc. (WSBF) at the month-end close of 2005-10 would be worth $3,874 at the close of 2026-08 — +287.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,386.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2005
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2005 | $1,000 | — |
| 2006 | $1,558 | +55.8% |
| 2007 | $1,121 | -28.1% |
| 2008 | $293 | -73.9% |
| 2009 | $179 | -38.8% |
| 2010 | $284 | +58.5% |
| 2011 | $165 | -41.8% |
| 2012 | $682 | +312.5% |
| 2013 | $970 | +42.3% |
| 2014 | $1,278 | +31.8% |
| 2015 | $1,392 | +8.9% |
| 2016 | $1,848 | +32.8% |
| 2017 | $1,803 | -2.5% |
| 2018 | $1,875 | +4.0% |
| 2019 | $2,257 | +20.4% |
| 2020 | $2,421 | +7.2% |
| 2021 | $3,000 | +23.9% |
| 2022 | $2,527 | -15.8% |
| 2023 | $2,196 | -13.1% |
| 2024 | $2,177 | -0.9% |
| 2025 | $2,803 | +28.8% |
| 2026 | $3,646 | +30.1% |
Best and worst month-end to buy
The best single month-end close to have bought WSBF was 2011-12 ($0.95): $1,000 then is $22,063 today. The worst was 2026-08 ($20.96): $1,000 then is $1,000.
FAQ
What would $1,000 in WSBF be worth today?
A $1,000 investment in Waterstone Financial, Inc. (WSBF) at the start of 2005 would be worth about $3,874 today, a total return of +287.4%. Dividends are reinvested in these figures.
What were the best and worst years for WSBF?
Waterstone Financial, Inc. (WSBF)'s strongest calendar year since 2005 was 2012, a +312.5% return — $1,000 held through that year became about $4,125 by year-end. Its weakest year was 2008, at -73.9%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in WSBF have grown?
Investing $100 at the end of every month since 2005-10 would have grown to about $113,736 on $25,100 invested.
Did WSBF beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,386. WSBF trailed the S&P 500 by +39.3% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Waterstone Financial, Inc. (WSBF) historical total-return data from 2005-10 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.