Waterstone Financial, Inc. (WSBF)
NASDAQ: WSBF · Real-Time Price · USD
21.18
+0.09 (0.43%)
Aug 24, 2026, 4:00 PM EDT - Market closed
Waterstone Financial Financials Overview
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 | Jun '26 Jun 30, 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 |
Revenue Revenue Growth | 150.48 | 143.32 | 135.64 | 130.74 | 161.54 | 262.7 |
Revenue Growth | 12.13% | 5.66% | 3.74% | -19.06% | -38.51% | -9.78% |
Net Income Net Income Growth | 30.1 | 26.4 | 18.69 | 9.38 | 19.49 | 70.79 |
Earnings Per Share EPS Growth | 1.73 | 1.48 | 1.01 | 0.46 | 0.89 | 2.96 |
EPS Growth | 53.05% | 46.96% | 118.94% | -48.32% | -69.93% | -10.30% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Community Banking Community Banking Growth | 67.29 | 63.21 | 53.42 | 55.68 | 61.15 | 66.21 |
Mortgage Banking Mortgage Banking Growth | 83.39 | 80.11 | 82.33 | 76.44 | 103.97 | 196.81 |
Holding Company and Other Holding Company and Other Growth | -0.21 | -0 | -0.11 | -1.37 | -3.58 | -0.32 |
Total Total Growth | 150.48 | 143.32 | 135.64 | 130.74 | 161.54 | 262.7 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Cash & Investments Cash & Investments Growth | 47.7 | 79.42 | 53.23 | 48.8 | 63.49 | 382.67 |
Total Debt Total Debt Growth | 420.7 | 420.17 | 459.14 | 623.46 | 404.62 | 478.71 |
Net Cash (Debt) Net Cash Growth | -373 | -340.75 | -405.91 | -574.66 | -341.14 | -96.04 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -21.38 | -19.07 | -21.84 | -28.45 | -15.50 | -4.01 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Operating Cash Flow Operating Cash Flow Growth | 44.74 | 24.18 | 48.06 | -27.58 | 206.67 | 142.01 |
Capital Expenditures CapEx Growth | -1.97 | -1.17 | -1.1 | -0.7 | -0.7 | -0.78 |
Free Cash Flow Free Cash Flow Growth | 42.78 | 23.02 | 46.96 | -28.28 | 205.96 | 141.23 |
Free Cash Flow Growth | -49.64% | -50.99% | - | - | 45.84% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Profit Margin | 20.00% | 18.42% | 13.78% | 7.17% | 12.06% | 26.95% |
FCF Margin | 28.43% | 16.06% | 34.63% | -21.63% | 127.50% | 53.76% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 25, 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 |
Dividend Per Share Dividend Per Share Growth | 0.680 | 0.600 | 0.600 | 0.700 | 0.800 | 0.800 |
Dividend Per Share Growth | 6.67% | 0% | -14.29% | -12.50% | 0% | 42.86% |
Dividend Yield | 3.21% | 3.72% | 4.79% | 5.54% | 5.51% | 4.64% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 25, 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 |
PE Ratio | 12.24 | 11.77 | 13.19 | 32.73 | 19.10 | 7.32 |
Forward PE | - | 13.18 | 13.18 | 13.18 | 16.42 | 13.58 |
P/FCF Ratio | 8.90 | 13.50 | 5.25 | - | 1.81 | 3.67 |
PS Ratio | 2.53 | 2.17 | 1.82 | 2.35 | 2.30 | 1.97 |