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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : FINANCE
  4. WATERSTONE FINANCIAL INC
Waterstone Financial Inc
XNAS: WSBF
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XNAS 09 Oct, 2026 5:30 PM (EDT)

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Waterstone Fin Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Waterstone Fin Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Waterstone Fin Inc Jun-2026 Quarterly Revenue is $39 Million which is growth of 5.9% YoY.

  • POSITIVE

    Quarterly Net Profit Waterstone Fin Inc Jun-2026 Quarterly Net Profit is $8 Million which is growth of 9.5% YoY.

Waterstone Financial Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
39.434.736.636.437.228.831.433.436.331.327.933.535.3
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------21.122.523.3
Operating Profit
----------
⌄
-------------
Profit Before Tax
10.67.610.19.89.73.96.25.97.14.8-0.63.85.1
Tax
2.21.62.31.91.90.811.21.41.7-0.60.51.1
⌄
8.567.77.97.735.24.75.73-03.34
Diluted NI Avail to Com Stockholders Ann.
8.567.77.97.735.24.75.73-03.34
Basic EPS
0.50.40.40.50.40.20.30.30.30.20.20.2
Diluted EPS After ExtraOrdinary
0.50.30.40.50.40.20.30.30.30.20.20.2
Number Of Shares End
17.117.417.517.61818.318.318.418.51919.42020.4
Net Income Continuing Discontinued Operations
8.567.77.97.735.24.75.73-03.34
Normalized Income
8.567.77.97.735.24.75.73-03.34
Interest Income
29.62930.129.628.727.829.129.22826.926.726.424.3
Interest
13.613.614.414.81515.216.217.717.315.814.914.411.6
Net Interest Income
1615.515.714.713.712.612.811.510.711.111.81212.7
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.80.90.70.60.60.70.60.80.60.510.70.7
Profit From Continuing Operations
8.567.77.97.735.24.75.73-03.34
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Waterstone Fin Inc competitor comparison and performance snapshot within industry

Waterstone Fin Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Waterstone Fin Inc Dec-2025 Annual Revenue is $139 Million which is growth of 4.9% YoY.

  • POSITIVE

    Annual Net Profit Waterstone Fin Inc Dec-2025 Annual Net Profit is $26 Million which is growth of 41.3% YoY.

Waterstone Financial Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-4.2%
-13.9%
 138.9132.4128157.8254.1292.9179.7169175.2169.8143.3
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---49-13.3-14.4-25-27.5-19.5-16.4-20.3-23.1
Operating Profit Ann.
-
-
 --177171.1268.5317.9207.2188.5191.5190.1166.4
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
10.9%
-20.9%
38.133.4241124.592.1108.147.640.344.44225.8
Tax Ann.
11.9%
-23.7%
875.31.7521.32711.79.518.516.59.3
⌄
10.6%
-20.1%
30.126.418.79.419.570.881.135.930.82625.516.6
Diluted NI Avail to Com Stockholders Ann.
10.6%
-20.1%
30.126.418.79.419.570.881.135.930.82625.516.6
EPS Ann.
18.6%
-14.6%
 1.510.50.933.31.41.110.90.6
Diluted EPS Ann.
18.6%
-14.6%
 1.510.50.933.31.41.10.90.90.6
Number Of Shares End
-5.9%
-5.9%
 17.518.319.42123.623.725.62727.527.227
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
10.6%
-20.1%
30.126.418.79.419.570.881.135.930.82625.516.6
Normalized Income Ann.
10.6%
-20.1%
30.126.418.79.419.570.881.135.930.82625.516.6
Interest Income Ann.
18.2%
8.1%
118.3116.1113.299.270.369.978.579.773.767.163.762
Interest Ann.
64.7%
18.9%
56.359.4674913.314.42527.519.516.420.323.1
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-13.4%
-14.2%
32.62.53.346.15.62.72.52.23.23.6
Profit From Continuing Operations Ann.
10.6%
-20.1%
30.126.418.79.419.570.881.135.930.82625.516.6
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
4.9%
2Y CAGR
4.2%
3Y CAGR
-4.2%
5Y CAGR
-13.9%
7Y CAGR
-2.8%
10Y CAGR
-0.3%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
41.2%
2Y CAGR
67.6%
3Y CAGR
10.6%
5Y CAGR
-20.1%
7Y CAGR
-2.2%
10Y CAGR
4.7%
Net Profit Annual growth is higher than historical averages.

Waterstone Fin Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Waterstone Fin Inc Dec-2025 Total Shareholders Fund is $349 Million which is growth of 3.0% YoY.

  • POSITIVE

    Total Assets Waterstone Fin Inc Dec-2025 Total Assets is $2,260 Million which is growth of 2.3% YoY.

Waterstone Financial Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.6%
0.7%
2,259.52,209.62,213.42,031.72,215.92,184.61,996.41,915.41,806.41,790.61,762.7
⌄
4.8%
1.5%
1,910.11,870.51,869.31,661.21,783.11,771.51,602.71,515.71,394.31,379.91,370.8
⌄
-1.9%
-3.3%
349.4339.1344.1370.5432.8413.1393.7399.7412.1410.7391.9
Total Capitalization Ann.
-1.9%
-9.4%
539.4489.1499.1570.5902.8883.1863.7829.7752.1640.7741.9
Tangible Assets Ann.
-1.9%
-3.3%
349.4339.1344.1370.5432.8413.1393.7399.7412.1410.7391.9
Working Capital Ann.
-
-
--
Invested Capital Ann.
0%
-3.7%
755.5782.7808.1756.2907.8912.1863.7829.7787.1705.7741.9
Tangible Book Value Ann.
-1.9%
-3.3%
349.4339.1344.1370.5432.8413.1393.7399.7412.1410.7391.9
Borrowings Ann.
1.7%
-4%
406.1443.6464385.7475499470430375295350
Net Debt Ann.
-0.7%
-4.2%
342.2408.1433.1349.7112.3423.1408.4369343.4274.6269.8
Share Issued Ann.
-6.1%
-6%
18.419.320.322.224.825.127.228.529.529.429.4
Number Of Shares End
-5.9%
-5.9%
17.518.319.42123.623.725.62727.527.227
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
2.3%
2Y CAGR
1%
3Y CAGR
3.6%
5Y CAGR
0.7%
7Y CAGR
2.4%
10Y CAGR
2.5%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
3%
2Y CAGR
0.8%
3Y CAGR
-1.9%
5Y CAGR
-3.3%
7Y CAGR
-1.9%
10Y CAGR
-1.1%
Total ShareHolders Funds Annual growth is higher than historical averages.

Waterstone Fin Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Waterstone Fin Inc Book Value Per Share is $20 which is growth of 6.8% YoY.

  • NEUTRAL

    ROE Waterstone Fin Inc ROE is 0% which is growth of 0% YoY.

Waterstone Financial Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.84%0.44%0.92%3.22%3.88%1.84%1.65%1.44%1.44%0.93%
ROE Ann. %
-
-
-5.47%2.62%4.85%16.74%20.12%9.05%7.58%6.31%6.36%3.93%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--138.28%108.42%105.65%108.53%115.33%111.55%109.34%111.95%116.13%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.10.10.10.10.10.10.10.10.10.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.40.50.51.11.11.21.10.80.60.9
*All financials are in USD Million and price data in USD
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Waterstone Fin Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Waterstone Fin Inc Dec-2025 Cash From Operating Activity is $24 Million which is growth of -49.7% YoY.

  • POSITIVE

    Net Cash Flow Waterstone Fin Inc Dec-2025 Net Cash Flow is $31 Million which is growth of 838.5% YoY.

Waterstone Financial Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-51.1%
-
24.248.1-27.6206.7154.5-100.6-40.242.9107.1-24.1-13
⌄
-
-
-8.7-24-159.2-335.7147.644.2-1.2-79.9-94.9-25-16.1
⌄
-
-27%
15.9-20.8176.6-201-20.176.929.674.4-10.8-4.2-43.2
Cash Plus Cash Eqv. End Of Year Ann.
15.1%
-5.6%
71.139.836.446.6376.794.874.386.148.647.2100.5
Net Increase In Cash Plus Cash Eqv.s Ann.
-
8.9%
31.43.3-10.2-330.128220.5-11.837.51.4-53.3-72.4
Cash Plus Cash Eqv. Begin Of Year Ann.
-52.7%
-11.7%
39.836.446.6376.794.874.386.148.647.2100.5172.8
Income Tax Paid Supplemental Data Ann.
6.8%
-29.9%
5-1.24.122.729.510.710.217.114.47.9
Interest Paid Supplemental Data Ann.
66.2%
18.4%
59.266.347.712.914.625.427.41916.42123.1
Capex Ann.
-
-
-1.2-1.1-0.7-0.7-0.8-1.2-3.1-4-1.6-1.1-3
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
-13.4%
-
130170259200165255175100-
Repayment Of Debt Ann.
-
-
-90-175-304-470-125-165-149-220-
Repurchase Of Capital Stock Ann.
-
-
-16.2-14.9-26-47.8-10.2-36.2-22.8-19.2-2.2-3.9-72.8
Free Cash Flow Ann.
-51.8%
-
2347-28.3206153.7-101.8-43.339105.5-25.2-16
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
-49.7%
3Y CAGR
-51.1%
7Y CAGR
-7.9%
Cash from Operating Activity Annual is falling faster than historical averages.
Cash from Financing Act. Ann.
2Y CAGR
-70%
5Y CAGR
-27%
7Y CAGR
-19.8%
Cash from Financing Annual Activity growth is higher than historical averages.
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