WSBF · Waterstone Financial, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $7.55M | - | $9.84M | $9.67M | $3.88M | - | $5.89M | $7.14M | $4.77M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $15.77M | - |
| Income Tax | $1.55M | - | $1.92M | $1.94M | $845.0K | - | $1.16M | $1.43M | $1.73M | - |
| Net Income | $6.00M | - | $7.93M | $7.73M | $3.04M | - | $4.73M | $5.71M | $3.04M | - |
| EPS - Basic | $0.35 | - | $0.45 | $0.43 | $0.17 | - | $0.26 | $0.31 | $0.16 | - |
| EPS - Diluted | $0.34 | - | $0.45 | $0.43 | $0.17 | - | $0.26 | $0.31 | $0.16 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $38.76M | $63.56M | $50.08M | $63.18M | $37.46M | $35.18M | $35.77M | $36.18M | $41.33M | $30.67M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.25B | $2.26B | $2.27B | $2.26B | $2.18B | $2.21B | $2.24B | $2.29B | $2.23B | $2.21B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $413.03M | $412.26M | $469.06M | $465.73M | $395.85M | $446.52M | $560.13M | $660.82M | $634.16M | $611.05M |
| Total Liabilities | $1.90B | $1.91B | $1.92B | $1.92B | $1.83B | $1.87B | $1.90B | $1.95B | $1.90B | $1.87B |
| Stockholders' Equity | $348.21M | $349.39M | $345.50M | $341.49M | $341.36M | $339.13M | $342.00M | $334.95M | $338.00M | $344.06M |
| Retained Earnings | $296.03M | $292.96M | $287.87M | $282.58M | $277.52M | $277.20M | $274.75M | $272.78M | $269.83M | $269.61M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($647.0K) | - | - | - | $26.74M | - | - | - | ($9.94M) | - |
| Investing Cash Flow | ($15.95M) | - | - | - | $16.86M | - | - | - | ($146.0K) | - |
| Financing Cash Flow | ($9.86M) | - | - | - | ($40.07M) | - | - | - | $19.38M | - |
| CapEx | $991.0K | - | - | - | $265.0K | - | - | - | $390.0K | - |
| Free Cash Flow | ($1.64M) | - | - | - | $26.48M | - | - | - | ($10.33M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | -0.27 | - | - | - | 8.72 | - | - | - | -3.40 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.6% | - | 19.5% | 20.1% | 21.8% | - | 19.7% | 20.0% | 36.3% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.1% | - | 0.2% | 0.2% | 0.1% | - |
| Return on equity | 1.7% | - | 2.3% | 2.3% | 0.9% | - | 1.4% | 1.7% | 0.9% | - |
| Return on invested capital | 0.8% | - | 1.0% | 1.0% | 0.4% | - | 0.5% | 0.6% | 0.3% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 1.19 | 1.18 | 1.36 | 1.36 | 1.16 | 1.32 | 1.64 | 1.97 | 1.88 | 1.78 |
| Debt / Assets | 0.18 | 0.18 | 0.21 | 0.21 | 0.18 | 0.20 | 0.25 | 0.29 | 0.28 | 0.28 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.3x | - |
| Equity multiplier | 6.47 | 6.47 | 6.57 | 6.61 | 6.37 | 6.52 | 6.56 | 6.84 | 6.61 | 6.43 |
| Liabilities / Assets | 0.85 | 0.85 | 0.85 | 0.85 | 0.84 | 0.85 | 0.85 | 0.85 | 0.85 | 0.84 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 53.0x | - | 34.7x | 32.1x | 79.1x | - | 56.5x | 41.3x | 76.1x | - |
| P / B | 0.9x | - | 0.8x | 0.7x | 0.7x | - | 0.8x | 0.7x | 0.7x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 94.6% | - | 67.2% | 35.4% | -18.6% | - | 56.8% | 40.3% | 71.4% | - |
| Net income growth (YoY) | 97.5% | - | 67.6% | 35.3% | -0.1% | - | 45.3% | 42.6% | 41.0% | - |
| EPS growth (YoY) | 100.0% | - | 73.1% | 38.7% | 6.3% | - | 62.5% | 55.0% | 60.0% | - |
| EPS CAGR (3y) | 50.4% | - | 21.6% | 6.1% | -9.6% | - | -31.0% | -25.2% | -43.6% | - |
| EPS CAGR (5y) | -17.5% | - | -16.1% | -12.7% | -6.7% | - | -9.1% | -3.5% | -7.8% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | 67.1% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 2.0% | 3.0% | 1.0% | 2.0% | 1.0% | -1.4% | -1.2% | -5.9% | -7.6% | -7.1% |
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing Waterstone Financial against the 5 most active filers in the same SIC group.
Dividends
$0.62/share trailing 12 months · +3.3% YoY
| Ex-date | Per share |
|---|---|
| Apr 8, 2026 | $0.1700 |
| Jan 8, 2026 | $0.1500 |
| Oct 8, 2025 | $0.1500 |
| Jul 8, 2025 | $0.1500 |
| Apr 8, 2025 | $0.1500 |
| Jan 8, 2025 | $0.1500 |
| Oct 8, 2024 | $0.1500 |
| Jul 8, 2024 | $0.1500 |
| Apr 5, 2024 | $0.1500 |
| Jan 5, 2024 | $0.1500 |
| Oct 5, 2023 | $0.1500 |
| Jul 7, 2023 | $0.2000 |
| Apr 6, 2023 | $0.2000 |
| Jan 6, 2023 | $0.2000 |
| Oct 6, 2022 | $0.2000 |
| Jul 8, 2022 | $0.2000 |
| Apr 8, 2022 | $0.2000 |
| Jan 7, 2022 | $0.7000 |
| Oct 7, 2021 | $0.2000 |
| Jul 9, 2021 | $0.2000 |
| Jun 10, 2021 | $0.5000 |
| Apr 9, 2021 | $0.2000 |
| Jan 8, 2021 | $0.2000 |
| Nov 30, 2020 | $0.3000 |