Waterstone Financial, Inc.

Waterstone Financial, Inc.

WSBF
Waterstone Financial, Inc.US flagNASDAQ Global Select
19.53
USD
+0.07
- -
352.58MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.72
3.77
4.91
6.17
6.27
6.18
6.9
11.97
10.7
7.21
6.35
7.13
7.79
8.22
Basic EPS, GAAP
0.43
0.38
0.57
0.94
0.95
1.12
1.38
3.32
2.98
0.89
0.47
1.01
1.48
1.67
Free Cash Flow per Basic Share
1.37
-0.12
-0.55
-0.93
3.84
1.37
-1.67
-3.88
5.95
9.41
-1.4
2.53
1.29
-0.29
Dividend per Share
- -
0.15
0.2
0.26
0.98
0.99
1
1.29
1.28
1.38
0.76
0.61
0.6
0.61
Book Value per Share
4.43
4.72
5.77
6.84
6.69
6.85
7.6
10.04
11.53
12.54
13.38
14.95
16.43
16.81
Tangible Book Value per Share
6.27
13.48
13.44
15.19
15
14.61
15.13
16.89
18.23
16.93
17.07
18.28
19.59
19.77
Basic Weighted Avg Shares
34
33
29
27
27
27
26
24
24
22
20
19
18
18
Sales/Revenue/Turnover
127
126
143
167
172
169
180
293
254
158
128
132
139
145
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
4
4
3
2
5
5
6
6
4
3
2
3
3
Net Income, GAAP
15
13
17
26
26
31
36
81
71
19
9
19
26
29
Effective Tax Rate (%)
36.95
36.04
35.82
39.2
41.57
23.65
24.53
24.95
23.14
20.39
15.02
22.14
21.06
20.89
Profit Margin (%)
11.58
10.11
11.56
15.29
15.09
18.2
19.98
27.71
27.86
12.35
7.33
14.12
19
20.27
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
350
350
350
230
340
430
470
470
470
200
155
150
190
243
Total Equity
214
450
392
411
412
400
394
413
433
370
344
339
349
348
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
10.2
8.24
10.16
14.46
14.09
16.57
18.65
36.62
27.27
7.11
3.44
6.83
9.26
10.23

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
250
216
164
LT Borrowings
210
190
243
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19
18
18
Market Capitalization
282
295
318

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
217
234
211
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
250
216
164
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.96%
-3.03%
3.02%
Free Cash Flow
-125.7%
-126.79%
-50.99%
Net Income, GAAP
22.05%
0.7%
41.28%
Sales/Revenue/Turnover
2.54%
-12.33%
4.94%
Total Cash Common Dividend
24.09%
-16.87%
-4.44%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31
36
33
31
132
2025
29
37
36
37
139
2026
35
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.31
0.26
0.28
1.01
2025
0.17
0.43
0.45
0.44
1.48
2026
0.35
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.15
0.15
0.15
0.61
2025
0.15
0.15
0.15
0.15
0.6
2026
0.15
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
William F. Bruss
Full Time Employees
593
Sector
Financial Services
Industry
Banks - Regional
Address
11200 West Plank Court Wauwatosa WI United States of America 53226
IPO Date
Oct 5, 2005
Business
Waterstone Financial, Inc. (Nasdaq: WSBF) operates as the holding company for WaterStone Bank SSB, providing community and mortgage banking services primarily to customers in southeastern Wisconsin. The company conducts its activities through two main segments: Community Banking, which offers consumer and business products including deposit and transactional solutions such as checking accounts, credit, debit and prepaid cards, online banking, bill pay, and money transfer services; investable funds solutions encompassing savings accounts, money market deposits, individual retirement accounts, and certificates of deposit; lending products comprising residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, business lines of credit, secured and unsecured lines, commercial real estate construction loans, and term loans for working capital, inventory, and general corporate use; as well as fixed and variable annuities, insurance products, trust and investment management accounts, and personal investment services; and Mortgage Banking, which originates residential mortgage loans primarily for sale in the secondary market, with a portfolio that includes mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. Waterstone Financial, Inc., founded in 1921 and formerly known as Wauwatosa Holdings, Inc. until its name change in August 2008, maintains its headquarters in Wauwatosa, Wisconsin, and operates 14 branch locations across Milwaukee, Waukesha, and Washington Counties. In recent developments, the company reported strong financial performance for 2024 with net income of $18.69 million and earnings per diluted share of $1.01, reflecting a 99% increase from 2023, driven by loan growth, core deposit expansion excluding brokered CDs, and a Q4 2024 share repurchase of approximately 194,000 shares at an average price of $14.43; it also declared a quarterly cash dividend of $0.15 per share payable in August 2025 and announced Q3 2025 net income of $7.9 million.

Company News

APIChatGPT
  • Waterstone Financial Declares Regular Quarterly Cash Dividend

  • Waterstone Financial, Inc. (WSBF) Shareholder/Analyst Call Prepared Remarks Transcript

  • The Zacks Analyst Blog NVIDIA, Mastercard, AbbVie, Waterstone and Precipio

  • Waterstone Financial's Q1 Earnings Jump Y/Y on Mortgage Growth

  • Waterstone Financial, Inc. Announces Expansion of Share Repurchase Program

  • Waterstone Financial, Inc. Announces Results of Operations for the Three Months Ended March 31, 2026

  • Waterstone Financial Raises Quarterly Cash Dividend by 13.3%

  • Critical Contrast: Heritage Financial (NASDAQ:HFWA) vs. Waterstone Financial (NASDAQ:WSBF)

  • Donald Smith & Co's Strategic Moves: Equinox Gold Corp Sees a -2.9% Impact

  • WSBF's Q4 Earnings Jump 57% Y/Y on Margin Expansion, Credit Gains

  • Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Twelve Months Ended December 31, 2025

  • Short Interest in Waterstone Financial, Inc. (NASDAQ:WSBF) Decreases By 19.2%

  • Waterstone Financial Rises 22% in 6 Months: Should You Buy the Stock?

  • Waterstone Financial (NASDAQ:WSBF) Shares Pass Above 50 Day Moving Average – Time to Sell?

  • Head to Head Review: Northeast Bancorp (NASDAQ:NBN) vs. Waterstone Financial (NASDAQ:WSBF)

  • Waterstone Financial Declares Regular Quarterly Cash Dividend

  • Waterstone Financial (NASDAQ:WSBF) Stock Crosses Above 200-Day Moving Average – Time to Sell?

  • The Phoenix Of Port Washington: Waterstone Financial's Sustainable Turnaround

  • WSBF's Q3 Earnings Soar 73% Y/Y on Higher Loan Yield, Stock up 5%

  • Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2025