Waterstone Financial, Inc. WSBF

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Statements regarding our business plans, prospects, growth and operating strategies;

Estimates of our risks and future costs and benefits.

general economic conditions, either nationally or in our market area, including employment prospects, that are different than expected;

competition among depository and other financial institutions, including with respect to overdraft fees;

Last close 19.95 2026-10-23
Market cap $358.6M 2026-06-30 share count
52-week range 15.05 - 21.66

Valuation FY2025 figures against the last close

P/S3.1x
P/E13.5x
P/FCF15.6x
EV/EBITDA—
Dividend yield3.0%
Diluted EPS1.48

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $116.1M$113.2M$99.2M$70.2M$69.9M$78.5M$79.7M$73.7M$67.1M$63.7M
Interest expense $56.7M$46.2M$50.2M$57.0M$14.4M$25.0M$27.5M$19.5M$16.4M$20.3M
Pre-tax income $33.4M$24.0M$11.0M$24.5M$92.1M$108.1M$47.6M$40.3M$44.4M$42.0M
Income tax $7.0M$5.3M$1.7M$5.0M$21.3M$27.0M$11.7M$9.5M$18.5M$16.5M
Net income $26.4M$18.7M$9.4M$19.5M$70.8M$81.1M$35.9M$30.8M$26.0M$25.5M
EPS, basic 1.481.010.470.892.983.321.381.120.950.94
EPS, diluted 1.481.010.460.892.963.301.371.110.930.93
Shares, diluted (wtd. avg.) 17.9M18.6M20.2M22.0M23.9M24.6M26.2M27.6M27.9M27.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents ————$376.7M$94.8M$74.3M$86.1M$48.6M$47.2M
Property, plant and equipment $18.9M$19.4M$20.0M$21.1M$22.3M$23.7M$25.0M$24.5M$22.9M$23.7M
Total assets $2.26B$2.21B$2.21B$2.03B$2.22B$2.18B$2.00B$1.92B$1.81B$1.79B
Short-term debt ——$147.1M$1.1M—$29.0M———$8.2M
Long-term debt $412.3M$446.5M$611.1M$386.8M$477.1M$508.1M$483.6M$435.0M$386.3M$387.2M
Total liabilities $1.91B$1.87B$1.87B$1.66B$1.78B$1.77B$1.60B$1.52B$1.39B$1.38B
Retained earnings $293.0M$277.2M$269.6M$274.2M$273.4M$245.3M$197.4M$187.2M$183.4M$184.6M
Total equity $349.4M$339.1M$344.1M$370.5M$432.8M$413.1M$393.7M$399.7M$412.1M$410.7M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $24.2M$48.1M-$27.6M$206.7M$142.0M-$93.6M-$40.2M$41.5M$107.1M-$24.1M
Depreciation and amortisation $2.5M$2.5M$3.3M$4.0M$6.0M$5.6M$4.7M$4.7M$2.0M$2.6M
Stock-based compensation $297.0K$316.0K$277.0K$583.0K$745.0K$716.0K$1.1M$1.8M$1.9M$1.9M
Capital expenditure $1.2M$1.1M$700.0K$701.0K$778.0K$1.2M$3.1M$4.0M$1.6M$1.1M
Investing cash flow -$8.7M-$24.0M-$159.2M-$335.7M$160.1M$37.2M-$1.2M-$78.4M-$94.9M-$25.0M
Financing cash flow $15.9M-$20.8M$176.6M-$201.0M-$20.1M$76.9M$29.6M$74.4M-$10.8M-$4.2M
Dividends paid $10.8M$11.3M$15.4M$30.3M$30.4M$31.5M$26.0M$27.1M$27.0M$6.9M
Buybacks $16.2M$14.9M$26.0M$47.8M$10.2M$36.2M$22.8M$19.2M$2.2M$3.9M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-011833.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 63.7M Net income, FY2016: 25.5M Revenue, FY2017: 67.1M Net income, FY2017: 26M Revenue, FY2018: 73.7M Net income, FY2018: 30.8M Revenue, FY2019: 79.7M Net income, FY2019: 35.9M Revenue, FY2020: 78.5M Net income, FY2020: 81.1M Revenue, FY2021: 69.9M Net income, FY2021: 70.8M Revenue, FY2022: 70.2M Net income, FY2022: 19.5M Revenue, FY2023: 99.2M Net income, FY2023: 9.4M Revenue, FY2024: 113.2M Net income, FY2024: 18.7M Revenue, FY2025: 116.1M Net income, FY2025: 26.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $63.7M $67.1M $73.7M $79.7M $78.5M $69.9M $70.2M $99.2M $113.2M $116.1M
Gross profit — — — — — — — — — —
Net income $25.5M $26.0M $30.8M $35.9M $81.1M $70.8M $19.5M $9.4M $18.7M $26.4M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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