Waterstone Financial, Inc. (WSBF)

Waterstone Financial Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	1.72	1.48	1.01	0.46	0.89	2.96
EPS Growth	50.88%	46.53%	119.57%	-48.32%	-69.93%	-10.30%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Community Banking Community Banking Growth	63.21	53.42	55.68	61.15	66.21
Mortgage Banking Mortgage Banking Growth	80.11	82.33	76.44	103.97	196.81
Holding Company and Other Holding Company and Other Growth	-0	-0.11	-1.37	-3.58	-0.32
Total Total Growth	143.32	135.64	130.74	161.54	262.7

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents Cash Growth	38.2	71.11	39.76	36.42	46.64	376.72
Total Debt Total Debt Growth	0	0	0	0	0	0
Net Cash (Debt) Net Cash Growth	-0	-0	-0	-0	-0	-0
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-	-	-	-	-	-

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-3.21	24.18	48.06	-27.58	206.67	142.01
Capital Expenditures CapEx Growth	-1.89	-1.17	-1.1	-0.7	-0.7	-0.78
Free Cash Flow Free Cash Flow Growth	-5.1	23.02	46.96	-28.28	205.96	141.23
Free Cash Flow Growth	-	-50.99%	-	-	45.84%	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Pretax Margin	25.31%	23.34%	17.70%	8.44%	15.15%	35.06%
Profit Margin	20.00%	18.42%	13.78%	7.17%	12.06%	26.95%
FCF Margin	0.00%	16.06%	34.62%	-21.63%	127.50%	53.76%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	3.27%	3.65%	4.52%	5.37%	8.02%	5.86%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	12.00	11.18	13.31	30.87	19.37	7.39
Forward PE	-	13.18	13.18	13.18	16.42	13.58
P/FCF Ratio	-	12.59	5.26	-	1.86	3.84
PS Ratio	2.48	2.02	1.82	2.21	2.37	2.06

Data Sources: Fiscal.ai and S&P Global Market Intelligence Last updated: Jul 23, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company. Revenue segment data is provided by S&P Global Market Intelligence.

Update frequency:

Quarterly

Last checked:

Aug 3, 2026

Data Sources Report a data error