Waterstone Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	56.73	46.17	50.22	56.95	55.52
Net Interest Income Growth	22.89%	-8.06%	-11.83%	2.59%	3.77%
Non-Interest Income	85.19	89.3	81.19	105.56	203.2
Non-Interest Income Growth	-4.61%	10.00%	-23.09%	-48.05%	-16.73%
Revenues Before Loan Losses	141.92	135.47	131.4	162.51	258.71
Provision for Credit Losses	-1.39	-0.17	0.66	0.97	-3.99
Revenue	143.32	135.64	130.74	161.54	262.7
Revenue Growth (YoY)	5.66%	3.74%	-19.06%	-38.51%	-9.78%
Compensation Expenses	79.62	81.08	84.1	99.57	135.12
Selling, General & Admin	18.82	20.21	20.43	20.16	19.67
Other Non-Interest Expenses	11.43	10.35	15.19	17.34	15.81
Total Non-Interest Expense	109.87	111.64	119.71	137.06	170.59
Pretax Income	33.45	24	11.03	24.48	92.11
Provision for Income Taxes	7.04	5.31	1.66	4.99	21.32
Net Income	26.4	18.69	9.38	19.49	70.79
Net Income to Common	26.4	18.69	9.38	19.49	70.79
Net Income Growth	41.28%	99.34%	-51.89%	-72.47%	-12.76%
Shares Outstanding (Basic)	18	19	20	22	24
Shares Outstanding (Diluted)	18	19	20	22	24
Shares Change (YoY)	-3.88%	-7.96%	-8.24%	-8.03%	-2.75%
EPS (Basic)	1.48	1.01	0.47	0.89	2.98
EPS (Diluted)	1.48	1.01	0.46	0.89	2.96
EPS Growth	46.53%	119.57%	-48.32%	-69.93%	-10.30%
Shares Outstanding	17.52	18.39	20.31	22.17	24.8
Free Cash Flow	23.02	46.96	-28.28	205.96	141.23
Free Cash Flow Growth	-50.99%	-	-	45.84%	-
Free Cash Flow Per Share	1.29	2.53	-1.40	9.36	5.90
Dividends Per Share	0.600	0.600	0.700	0.800	0.800
Dividend Growth	-	-14.29%	-12.50%	-	42.86%
Profit Margin	18.42%	13.78%	7.17%	12.06%	26.95%
FCF Margin	16.06%	34.62%	-21.63%	127.50%	53.76%
EBITDA	2.55	2.47	3.3	4.03	6.05
EBITDA Margin	1.78%	1.82%	2.52%	2.50%	2.30%
Effective Tax Rate	21.06%	22.14%	15.02%	20.39%	23.14%

Updated Jan 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q