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
Revenue	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%
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%
Effective Tax Rate	20.89%	21.06%	22.14%	15.02%	20.39%	23.14%

SEC Filings: 10-K · 10-Q