Waterstone Financial, Inc. (WSBF)

Waterstone Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Year	2023	2022	2021	2020	2019
Revenue	130.74	161.54	262.7	291.18	183.85
Revenue Growth (YoY)	-19.06%	-38.51%	-9.78%	58.38%	6.00%
Gross Profit	130.74	161.54	262.7	291.18	183.85
Selling, General & Admin	101.84	117.91	153.51	158.23	121.2
Other Operating Expenses	17.87	19.16	17.08	24.83	15.08
Operating Expenses	119.71	137.06	170.59	183.06	136.27
Operating Income	11.03	24.48	92.11	108.12	47.57
Pretax Income	11.03	24.48	92.11	108.12	47.57
Income Tax	1.66	4.99	21.32	26.97	11.67
Net Income	9.38	19.49	70.79	81.15	35.9
Net Income Growth	-51.89%	-72.47%	-12.76%	126.01%	16.74%
Shares Outstanding (Basic)	20	22	24	24	26
Shares Outstanding (Diluted)	20	22	24	25	26
Shares Change	-8.24%	-8.03%	-2.75%	-6.25%	-5.02%
EPS (Basic)	0.47	0.89	2.98	3.32	1.38
EPS (Diluted)	0.46	0.89	2.96	3.30	1.37
EPS Growth	-48.31%	-69.93%	-10.30%	140.88%	23.42%
Free Cash Flow	-28.28	205.96	141.23	-94.81	-43.33
Free Cash Flow Per Share	-1.40	9.41	5.95	-3.88	-1.67
Dividend Per Share	0.750	1.300	1.300	1.280	0.980
Dividend Growth	-42.31%	0%	1.56%	30.61%	0%
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	8.44%	15.15%	35.06%	37.13%	25.88%
Profit Margin	7.17%	12.06%	26.95%	27.87%	19.53%
Free Cash Flow Margin	-21.63%	127.50%	53.76%	-32.56%	-23.57%
Effective Tax Rate	15.02%	20.39%	23.14%	24.95%	24.53%
EBITDA	14.33	28.51	98.15	113.72	52.27
EBITDA Margin	10.96%	17.65%	37.36%	39.06%	28.43%
Depreciation & Amortization	3.3	4.03	6.05	5.61	4.7
EBIT	11.03	24.48	92.11	108.12	47.57
EBIT Margin	8.44%	15.15%	35.06%	37.13%	25.88%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).