Waterstone Financial, Inc. (WSBF)
NASDAQ: WSBF · Real-Time Price · USD
18.51
-0.17 (-0.91%)
May 29, 2026, 4:00 PM EDT - Market closed
Waterstone Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Interest Income | 59.62 | 56.73 | 46.17 | 50.22 | 56.95 | 55.52 |
Net Interest Income Growth | 25.24% | 22.89% | -8.06% | -11.83% | 2.59% | 3.77% |
Non-Interest Income | 88.32 | 85.19 | 89.3 | 81.19 | 105.56 | 203.2 |
Non-Interest Income Growth | 3.72% | -4.61% | 10.00% | -23.09% | -48.05% | -16.73% |
Revenues Before Loan Losses | 147.94 | 141.92 | 135.47 | 131.4 | 162.51 | 258.71 |
Provision for Credit Losses | -0.57 | -1.39 | -0.17 | 0.66 | 0.97 | -3.99 |
| 148.51 | 143.32 | 135.64 | 130.74 | 161.54 | 262.7 | |
Revenue Growth (YoY) | 11.20% | 5.66% | 3.74% | -19.06% | -38.51% | -9.78% |
Compensation Expenses | 82.41 | 79.62 | 81.08 | 84.1 | 99.57 | 135.12 |
Selling, General & Admin | 17.47 | 18.82 | 20.21 | 20.43 | 20.16 | 19.67 |
Other Non-Interest Expenses | 11.51 | 11.43 | 10.35 | 15.19 | 17.34 | 15.81 |
Total Non-Interest Expense | 111.4 | 109.87 | 111.64 | 119.71 | 137.06 | 170.59 |
Pretax Income | 37.12 | 33.45 | 24 | 11.03 | 24.48 | 92.11 |
Provision for Income Taxes | 7.75 | 7.04 | 5.31 | 1.66 | 4.99 | 21.32 |
Net Income | 29.36 | 26.4 | 18.69 | 9.38 | 19.49 | 70.79 |
Net Income to Common | 29.36 | 26.4 | 18.69 | 9.38 | 19.49 | 70.79 |
Net Income Growth | 57.14% | 41.28% | 99.34% | -51.89% | -72.47% | -12.76% |
Shares Outstanding (Basic) | 18 | 18 | 19 | 20 | 22 | 24 |
Shares Outstanding (Diluted) | 18 | 18 | 19 | 20 | 22 | 24 |
Shares Change (YoY) | -4.18% | -3.88% | -7.96% | -8.24% | -8.03% | -2.75% |
EPS (Basic) | 1.67 | 1.48 | 1.01 | 0.47 | 0.89 | 2.98 |
EPS (Diluted) | 1.66 | 1.48 | 1.01 | 0.46 | 0.89 | 2.96 |
EPS Growth | 62.74% | 46.53% | 119.57% | -48.32% | -69.93% | -10.30% |
Shares Outstanding | 18.15 | 17.52 | 18.39 | 20.31 | 22.17 | 24.8 |
Free Cash Flow | -5.1 | 23.02 | 46.96 | -28.28 | 205.96 | 141.23 |
Free Cash Flow Growth | - | -50.99% | - | - | 45.84% | - |
Free Cash Flow Per Share | -0.29 | 1.29 | 2.53 | -1.40 | 9.36 | 5.90 |
Dividends Per Share | 0.620 | 0.600 | 0.600 | 0.700 | 0.800 | 0.800 |
Dividend Growth | 3.33% | - | -14.29% | -12.50% | - | 42.86% |
Profit Margin | 19.77% | 18.42% | 13.78% | 7.17% | 12.06% | 26.95% |
FCF Margin | -3.43% | 16.06% | 34.62% | -21.63% | 127.50% | 53.76% |
EBITDA | 2.76 | 2.55 | 2.47 | 3.3 | 4.03 | 6.05 |
EBITDA Margin | 1.86% | 1.78% | 1.82% | 2.52% | 2.50% | 2.30% |
Effective Tax Rate | 20.89% | 21.06% | 22.14% | 15.02% | 20.39% | 23.14% |