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 Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
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 |
Cash & Equivalents | 38.2 | 71.11 | 39.76 | 36.42 | 46.64 | 376.72 |
Investment Securities | 70.35 | 62.91 | 60.8 | 53 | 50.4 | 57.28 |
Trading Asset Securities | 9.5 | 8.31 | 13.47 | 12.38 | 16.85 | 5.95 |
Mortgage-Backed Securities | 167 | 167.94 | 147.75 | 151.91 | 146.19 | 121.73 |
Total Investments | 246.85 | 239.16 | 222.02 | 217.29 | 213.43 | 184.96 |
Gross Loans | 1,684 | 1,676 | 1,681 | 1,664 | 1,510 | 1,206 |
Allowance for Loan Losses | -17.88 | -17.48 | -18.25 | -18.55 | -17.76 | -15.78 |
Net Loans | 1,666 | 1,658 | 1,662 | 1,646 | 1,492 | 1,190 |
Property, Plant & Equipment | 18.9 | 18.86 | 19.39 | 20 | 21.11 | 22.27 |
Loans Held for Sale | 151.69 | 145.06 | 135.91 | 164.99 | 131.19 | 312.74 |
Other Current Assets | 31.22 | 20.25 | 23.11 | 26.06 | 26.82 | 32.33 |
Long-Term Deferred Tax Assets | - | 8.4 | 10.94 | 12.16 | 12.67 | 5.32 |
Other Real Estate Owned & Foreclosed | 0.32 | 0.42 | 0.51 | 0.25 | 0.15 | 0.15 |
Other Long-Term Assets | 80.36 | 78.38 | 75.34 | 69.67 | 69.89 | 66.92 |
Total Assets | 2,253 | 2,260 | 2,210 | 2,213 | 2,032 | 2,216 |
Liabilities
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 |
Interest Bearing Deposits | 1,222 | 1,254 | 1,193 | 1,059 | 1,084 | 1,131 |
Institutional Deposits | 198.6 | 183.2 | 167.3 | 131.4 | 115.5 | 102.6 |
Total Deposits | 1,421 | 1,437 | 1,360 | 1,191 | 1,199 | 1,233 |
Short-Term Borrowings | 207.73 | 230.17 | 309.14 | 468.46 | 204.62 | 8.71 |
Federal Home Loan Bank Debt, Long-Term | 212.97 | 190 | 150 | 155 | 200 | 470 |
Other Long-Term Liabilities | 59.95 | 52.67 | 51.44 | 55.25 | 57.55 | 70.99 |
Total Liabilities | 1,902 | 1,910 | 1,870 | 1,869 | 1,661 | 1,783 |
Shareholders' Equity
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 |
Common Stock | 0.18 | 0.18 | 0.19 | 0.2 | 0.22 | 0.25 |
Additional Paid-In Capital | 71.64 | 78.01 | 91.21 | 103.91 | 128.55 | 174.51 |
Retained Earnings | 301.62 | 292.96 | 277.2 | 269.61 | 274.25 | 273.4 |
Comprehensive Income & Other | -22.31 | -21.76 | -29.47 | -29.66 | -32.53 | -15.38 |
Shareholders' Equity | 351.13 | 349.39 | 339.14 | 344.06 | 370.49 | 432.77 |
Total Liabilities & Equity | 2,253 | 2,260 | 2,210 | 2,213 | 2,032 | 2,216 |
Additional Metrics
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 |
Total Debt | 420.7 | 420.17 | 459.14 | 623.46 | 404.62 | 478.71 |
Net Cash (Debt) | -373 | -340.75 | -405.91 | -574.66 | -341.14 | -96.04 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -21.38 | -19.07 | -21.84 | -28.45 | -15.50 | -4.01 |
Filing Date Shares Outstanding | 17.98 | 17.52 | 18.37 | 19 | 23.07 | 24.22 |
Total Common Shares Outstanding | 17.98 | 17.52 | 18.39 | 19.26 | 21.02 | 24.78 |
Book Value Per Share | 19.53 | 19.95 | 18.44 | 17.86 | 17.63 | 17.46 |
Tangible Book Value | 351.13 | 349.39 | 339.14 | 344.06 | 370.49 | 432.77 |
Tangible Book Value Per Share | 19.53 | 19.95 | 18.44 | 17.86 | 17.63 | 17.46 |