Waterstone Financial, Inc. (WSBF)

Waterstone Financial Cash Flow Statement

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

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
Net Income	26.4	18.69	9.38	19.49	70.79
Depreciation & Amortization	2.55	2.47	3.3	4.03	6.05
Provision for Credit Losses	-1.39	-0.17	0.66	0.97	-3.99
Stock-Based Compensation	0.3	0.32	0.28	0.58	0.75
Net Change in Loans Held-for-Sale	71.57	112.89	37.57	257.71	282.67
Other Adjustments	-80.9	-84.42	-74.49	-79.44	-206.09
Changes in Accrued Interest and Accounts Receivable	-0.48	-0.43	-1.7	-1.71	0.94
Changes in Trading Liabilities	-4.71	0.21	-5.43	16.26	-5.14
Changes in Accounts Payable	0.22	0.73	1.26	0.4	-0.18
Changes in Other Operating Activities	10.63	-2.23	1.6	-11.62	-3.79
Operating Cash Flow	24.18	48.06	-27.58	206.67	142.01
Operating Cash Flow Growth	-49.69%	-	-	45.53%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.49	0.59	-3.52	7.08	2.28
Net Change in Loans Held-for-Investment	5.2	-16.69	-154.17	-303.87	170.3
Net Change in Securities and Investments	-13.09	-4.35	-4.65	-39.25	-24.19
Capital Expenditures	-1.17	-1.1	-0.7	-0.7	-0.78
Proceeds from Sale of Intangible Assets	-	2.11	3.53	-	12.45
Other Investing Activities	-0.18	-4.52	0.29	1	0
Investing Cash Flow	-8.75	-23.96	-159.22	-335.74	160.07
Net Change in Deposits	77.38	169.27	-8.39	-34.37	48.52
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-74.26	-159.54	269.27	179.66	-30.95
Long-Term Debt Issued	130	170	259	200	-
Long-Term Debt Repaid	-90	-175	-304	-470	-
Net Long-Term Debt Issued (Repaid)	40	-5	-45	-270	-
Issuance of Common Stock	2.41	1.66	0.82	0.56	2.31
Repurchase of Common Stock	-16.21	-14.92	-26.03	-47.83	-10.18
Net Common Stock Issued (Repurchased)	-13.8	-13.25	-25.21	-47.27	-7.87
Common Dividends Paid	-10.77	-11.27	-15.36	-30.26	-30.39
Other Financing Activities	-2.63	-0.98	1.27	1.24	0.57
Financing Cash Flow	15.91	-20.76	176.58	-201	-20.12
Net Cash Flow	31.35	3.34	-10.22	-330.08	281.96
Free Cash Flow	23.02	46.96	-28.28	205.96	141.23
Free Cash Flow Growth	-50.99%	-	-	45.84%	-
FCF Margin	16.06%	34.62%	-21.63%	127.50%	53.76%
Free Cash Flow Per Share	1.29	2.53	-1.40	9.36	5.90
Levered Free Cash Flow	73.44	13.34	-37.3	-243.85	67.9
Unlevered Free Cash Flow	7.04	-0.35	-1.67	6.66	-2.89

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

SEC Filings: 10-K · 10-Q