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	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
Net Interest Income	61.92	56.73	46.17	50.22	56.95	55.52
Net Interest Income Growth	22.29%	22.89%	-8.06%	-11.83%	2.59%	3.77%
Non-Interest Income	88.23	85.19	89.3	81.19	105.56	203.2
Non-Interest Income Growth	6.32%	-4.61%	10.00%	-23.09%	-48.05%	-16.73%
Revenues Before Loan Losses	150.15	141.92	135.47	131.4	162.51	258.71
Provision for Credit Losses	-0.33	-1.39	-0.17	0.66	0.97	-3.99
Revenue	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%
Compensation Expenses	83.27	79.62	81.08	84.1	99.57	135.12
Selling, General & Admin	17	18.82	20.21	20.43	20.16	19.67
Other Non-Interest Expenses	12.13	11.43	10.35	15.19	17.34	15.81
Total Non-Interest Expense	112.4	109.87	111.64	119.71	137.06	170.59
Pretax Income	38.08	33.45	24	11.03	24.48	92.11
Provision for Income Taxes	7.98	7.04	5.31	1.66	4.99	21.32
Net Income	30.1	26.4	18.69	9.38	19.49	70.79
Net Income to Common	30.1	26.4	18.69	9.38	19.49	70.79
Net Income Growth	45.39%	41.28%	99.34%	-51.89%	-72.47%	-12.76%
Shares Outstanding (Basic)	17	18	19	20	22	24
Shares Outstanding (Diluted)	17	18	19	20	22	24
Shares Change	-4.56%	-3.88%	-7.96%	-8.24%	-8.03%	-2.75%
EPS (Basic)	1.73	1.48	1.01	0.47	0.89	2.98
EPS (Diluted)	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%
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	0.640	0.600	0.600	0.700	0.800	0.800
Dividend Growth	6.67%	0%	-14.29%	-12.50%	0%	42.86%
Profit Margin	20.00%	18.42%	13.78%	7.17%	12.06%	26.95%
FCF Margin	-	16.06%	34.62%	-21.63%	127.50%	53.76%
Effective Tax Rate	20.97%	21.06%	22.14%	15.02%	20.39%	23.14%

SEC Filings: 10-K · 10-Q