Waterstone Financial, Inc.

WSBF

Waterstone Financial, Inc.

WSBF

Insider Sentiment (TTM):

Last Purchase:2023-10-26Last Sale:2026-05-21Shares Purchased (TTM):0Shares Sold (TTM):158,417

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:9,184,088Shares Outstanding:17,373,000Institutional Ownership Pct.:52.86%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash	33	39	64	50	63	37	35	36	36	41	31	56
Federal Funds Sold	5	6	7	3	7	6	4	5	5	4	5	6
Cash Cash Equivalents And Federal Funds Sold	38	45	71	54	71	43	40	41	41	46	36	62
Available For Sale Securities Debt Securities	237	237	231	226	219	214	209	213	205	205	205	194
Loans Receivable Held For Sale Amount	152	144	145	136	162	116	136	156	223	175	165	157
Notes Receivable Gross	1,684	1,684	1,676	1,715	1,664	1,676	1,681	1,695	1,679	1,665	1,664	1,651
Financing Receivable Allowance For Credit Losses	-	18	17	18	18	18	18	18	18	19	19	19
Notes Receivable Net	1,666	1,667	1,658	1,697	1,646	1,646	1,662	1,677	1,660	1,646	1,646	1,633
Property Plant And Equipment Net	19	19	19	19	19	19	19	19	20	20	20	20
Federal Home Loan Bank Stock	19	19	20	21	20	18	20	22	23	22	21	23
Cash Surrender Value Of Life Insurance	79	78	77	77	76	75	75	70	69	68	68	68
Other Real Estate	0	0	0	0	0	0	1	0	0	0	0	0
Prepaid Expense And Other Assets	42	42	38	40	43	44	48	46	48	53	52	63
Assets	2,253	2,251	2,260	2,269	2,257	2,175	2,210	2,244	2,290	2,235	2,213	2,221
Liabilities
Demand Deposit Accounts	182	182	176	177	175	170	171	180	183	182	187	190
Deposits Money Market Deposits	344	343	329	307	321	296	283	279	275	271	273	282
Time Deposits	895	915	933	903	889	915	906	804	767	747	730	733
Deposits	1,421	1,439	1,437	1,386	1,385	1,381	1,360	1,264	1,224	1,200	1,191	1,205
Long Term Debt	412	413	412	469	466	396	447	560	661	634	611	588
Advance Payments By Borrowers For Taxes And Insura…	19	11	3	27	21	13	6	28	21	14	7	28
Other Liabilities	50	40	58	42	44	44	58	51	49	49	61	54
Liabilities	1,902	1,903	1,910	1,924	1,915	1,834	1,870	1,902	1,955	1,897	1,869	1,875
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	72	74	78	81	84	90	91	93	93	99	104	110
Retained Earnings Accumulated Deficit	302	296	293	288	283	278	277	275	273	270	270	273
Accumulated Other Comprehensive Income Loss Net Of…	-13	-13	-12	-13	-15	-16	-19	-15	-20	-19	-18	-24
Stockholders Equity	351	348	349	345	341	341	339	342	335	338	344	346
Liabilities And Stockholders Equity	2,253	2,251	2,260	2,269	2,257	2,175	2,210	2,244	2,290	2,235	2,213	2,221
Available For Sale Debt Securities Amortized Cost …	255	254	247	243	238	235	233	232	230	229	228	226
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	18	18	18	19	19	19	19	19	19	20	20	21
Shares Outstanding	18	18	18	19	19	19	19	19	19	20	20	21

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.27%	9.70%	9.01%	-	-	-	-	-	-	-	-	-
2025	4.03%	12.08%	11.74%	11.45%	17.84%	15.03%	3.30%	8.38%	17.68%	-2.41%	2.60%	-0.61%
2024	-1.22%	4.41%	27.76%	8.91%	6.25%	6.08%	2.44%	-8.89%	-8.91%	-4.34%	-12.37%	-8.27%
2023	-	-	-	-	-	-	8.54%	27.25%	22.91%	0.16%	-1.69%	2.98%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.39	-0.38	-0.41	-0.45	-0.49	-0.51	0.09	0.49	0.89	1.23	1.23	1.31
Per Share Metrics
Diluted EPS TTM	1.75	1.68	1.48	1.35	1.15	1.02	1.01	0.73	0.64	0.54	0.46	0.52
Free Cash Flow Per Share TTM	2.50	-0.29	1.29	2.46	4.72	4.59	2.53	1.22	-0.17	-0.19	-1.40	2.23
Dividend Per Share TTM	0.63	0.61	0.60	0.62	0.61	0.61	0.61	0.62	0.69	0.74	0.76	0.83
Margin Metrics
Gross Profit Margin TTM	52.36%	50.80%	48.86%	46.81%	44.15%	41.75%	40.80%	33.39%	34.69%	37.86%	42.46%	58.02%
Operating Profit Margin TTM	32.20%	31.62%	28.81%	25.73%	22.36%	20.27%	21.21%	15.52%	13.95%	12.49%	11.12%	13.18%
Net Profit Margin TTM	25.45%	25.02%	22.74%	20.77%	18.05%	16.39%	16.51%	12.13%	11.08%	9.84%	9.45%	11.11%
Growth Metrics
Net Revenue Growth (1Y)	3.13%	2.94%	2.60%	3.82%	6.19%	9.40%	14.07%	18.91%	27.15%	35.17%	41.23%	40.86%
Net Income Growth (1Y)	45.39%	57.14%	41.28%	77.85%	73.04%	82.16%	99.34%	29.82%	-3.27%	-37.26%	-51.89%	-66.72%
EPS Growth (1Y)	52.83%	65.23%	46.97%	85.02%	78.19%	89.68%	116.55%	41.48%	6.44%	-31.10%	-47.77%	-64.48%
Valuation Metrics
P/E TTM	11.69	10.48	10.88	11.10	11.44	12.39	12.42	18.49	18.03	20.28	27.14	18.54
P/B TTM	1.00	0.88	0.82	0.77	0.69	0.68	0.68	0.73	0.64	0.62	0.74	0.55
P/S TTM	2.97	2.62	2.48	2.31	2.07	2.03	2.05	2.24	2.00	2.00	2.56	2.06
Market Cap	351.76M	307.70M	287.38M	265.24M	236.90M	231.46M	232.18M	248.48M	215.72M	208.04M	254.47M	191.88M
Enterprise Value	731.01M	681.97M	636.07M	684.23M	639.45M	589.86M	643.51M	772.84M	840.36M	800.87M	834.86M	724.00M
Calculated Values
Free Cash Flow TTM	42.78M	-5.10M	23.02M	43.47M	84.94M	83.77M	46.96M	22.47M	-3.14M	-3.64M	-28.28M	44.55M
Net Debt	379.25M	374.28M	348.70M	418.99M	402.55M	358.39M	411.34M	524.36M	624.65M	592.83M	580.39M	532.12M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-21Sale

Owner: Gerke, Mark Raymond

Title: EVP/Chief Financial Officer

Shares: 10,000

Price/Share: $18.34

Value: $183,400.00

Shares Owned: 30,034

Relationship: Officer

Ownership: Direct

2026-02-18Sale

Owner: Gordon, Douglas S

Title: -

Shares: 2,880

Price/Share: $18.11

Value: $52,156.80

Shares Owned: 556,773

Relationship: Director

Ownership: Direct

2026-02-06Sale

Owner: Gordon, Douglas S

Title: -

Shares: 6,765

Price/Share: $18.27

Value: $123,596.55

Shares Owned: 559,653

Relationship: Director

Ownership: Direct

2026-02-05Sale

Owner: Gordon, Douglas S

Title: -

Shares: 18,716

Price/Share: $18.25

Value: $341,567.00

Shares Owned: 566,418

Relationship: Director

Ownership: Direct

2026-02-04Sale

Owner: Lawton, Patrick S

Title: -

Shares: 19,255

Price/Share: $18.64

Value: $358,913.20

Shares Owned: -

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-21	Gerke, Mark Raymond	Officer	EVP/Chief Financial Officer	Direct	Sale	10,000	18.34	$183,400.00	30,034	4
2026-02-18	Gordon, Douglas S	Director	-	Direct	Sale	2,880	18.11	$52,156.80	556,773	4
2026-02-06	Gordon, Douglas S	Director	-	Direct	Sale	6,765	18.27	$123,596.55	559,653	4
2026-02-05	Gordon, Douglas S	Director	-	Direct	Sale	18,716	18.25	$341,567.00	566,418	4
2026-02-04	Lawton, Patrick S	Director	-	Direct	Sale	19,255	18.64	$358,913.20	0	4
2026-02-02	Glynn, Julie Ann	Officer	EVP/Chief Retail Officer	Direct	Sale	20,929	18.43	$385,721.47	9,071	4
2025-10-27	Hansen, Michael L	Director	-	Direct	Sale	79,872	15.16	$1,210,859.52	0	4
2025-08-13	Hansen, Michael L	Director	-	Indirect	Sale	109,527	14.05	$1,538,854.35	1,541	4
2025-08-11	Hansen, Michael L	Director	-	Indirect	Sale	2,757	13.80	$38,046.60	146,358	4
2025-07-25	Hansen, Michael L	Director	-	Indirect	Sale	961	13.81	$13,271.41	149,115	4
2025-02-28	Lawton, Patrick S	Director	-	Direct	Sale	37,500	14.03	$526,125.00	49,131	4
2025-02-28	Gerke, Mark Raymond	Officer	EVP/Chief Financial Officer	Direct	Sale	2,738	14.15	$38,742.70	30,334	4
2025-02-13	Rappe, Kristine A	Director	-	Direct	Sale	22,185	14.25	$316,136.25	27,318	4
2025-02-11	Schmidt, Stephen J	Director	-	Direct	Sale	6,211	13.79	$85,649.69	70,078	4
2025-02-06	Schmidt, Stephen J	Director	-	Direct	Sale	3,097	13.75	$42,583.75	70,078	4
2025-02-05	Rappe, Kristine A	Director	-	Direct	Sale	10,270	13.75	$141,212.50	27,318	4
2025-01-31	Schmidt, Stephen J	Director	-	Direct	Sale	14,928	13.80	$206,006.40	70,078	4
2025-01-31	Rappe, Kristine A	Director	-	Direct	Sale	19,879	13.76	$273,535.04	27,318	4
2024-12-11	Schmidt, Stephen J	Director	-	Direct	Sale	478	15.13	$7,232.14	70,078	4
2024-11-27	Schmidt, Stephen J	Director	-	Direct	Sale	259	15.27	$3,954.93	70,078	4
2024-11-25	Schmidt, Stephen J	Director	-	Direct	Sale	2,194	15.81	$34,687.14	70,078	4
2024-11-22	Schmidt, Stephen J	Director	-	Direct	Sale	7,280	15.37	$111,893.60	70,078	4
2024-11-21	Schmidt, Stephen J	Director	-	Direct	Sale	10,000	15.32	$153,200.00	70,078	4
2024-11-13	Schmidt, Stephen J	Director	-	Direct	Sale	1,249	15.76	$19,684.24	70,078	4
2024-11-11	Schmidt, Stephen J	Director	-	Direct	Sale	10,880	15.82	$172,121.60	70,078	4
2024-11-08	Schmidt, Stephen J	Director	-	Direct	Sale	3,064	15.78	$48,349.92	70,078	4
2024-11-07	Schmidt, Stephen J	Director	-	Direct	Sale	4,209	16.04	$67,512.36	70,078	4
2024-11-06	Rappe, Kristine A	Director	-	Direct	Sale	28,975	16.58	$480,405.50	27,318	4
2024-09-13	Bartel, Ellen Syburg	Director	-	Direct	Sale	4,166	14.91	$62,115.06	15,000	4
2024-09-05	Bartel, Ellen Syburg	Director	-	Direct	Sale	15,030	15.02	$225,750.60	15,000	4
2024-09-03	Bartel, Ellen Syburg	Director	-	Direct	Sale	2,129	15.03	$31,998.87	15,000	4
2024-08-29	Hansen, Michael L	Director	-	Direct	Sale	6,931	15.01	$104,034.31	79,872	4
2024-08-28	Hansen, Michael L	Director	-	Direct	Sale	5,569	15.02	$83,646.38	79,872	4
2023-10-26	Gordon, Douglas S	Officer	CEO	Direct	Purchase	636	9.91	$6,302.76	535,797	4
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Institutional Ownership

No data available for chart

2026-03-31

52.86%

Inst. Shares: 9,184,088

Shares Outstanding: 17,373,000

2025-12-31

49.93%

Inst. Shares: 8,906,721

Shares Outstanding: 17,837,000

2025-09-30

50.39%

Inst. Shares: 8,888,190

Shares Outstanding: 17,639,000

2025-06-30

50.06%

Inst. Shares: 9,005,949

Shares Outstanding: 17,989,000

2025-03-31

52.80%

Inst. Shares: 9,645,412

Shares Outstanding: 18,267,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	9,184,088	17,373,000	52.86%
2025-12-31	8,906,721	17,837,000	49.93%
2025-09-30	8,888,190	17,639,000	50.39%
2025-06-30	9,005,949	17,989,000	50.06%
2025-03-31	9,645,412	18,267,000	52.80%
2024-12-31	9,641,949	18,556,000	51.96%
2024-09-30	9,890,370	18,350,000	53.90%
2024-06-30	9,753,884	18,524,000	52.66%
2024-03-31	8,565,179	19,021,000	45.03%
2023-12-31	8,819,697	20,158,000	43.75%
2023-09-30	8,956,903	19,998,000	44.79%
2023-06-30	9,677,055	20,384,000	47.47%
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Waterstone Financial, Inc. (WSBF) — SEC Financial Statements & Analysis

Waterstone Financial, Inc. (WSBF) is a savings institution, federally chartered company, incorporated in MD. Waterstone Financial, Inc. trades on Nasdaq as: WSBF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Waterstone Financial, Inc. reported a 3.13% year-over-year revenue growth, a Gross Profit Margin of 52.36% (TTM), a Price-to-Sales (P/S) ratio of 2.97x (TTM), a Price-to-Book (P/B) ratio of 1.00x (TTM), at a market cap of $351.76M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.13%
Gross Profit Margin TTM: 52.36%
P/S TTM: 2.97x
P/B TTM: 1.00x
Market Cap: $351.76M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Waterstone Financial, Inc. in?

Waterstone Financial, Inc. (WSBF) operates in the Savings Institution, Federally Chartered industry.

What is WSBF's market cap?

Waterstone Financial, Inc. (WSBF) has a market capitalization of $351.76M as of 2026-06-30.

What is WSBF's P/E ratio?

Waterstone Financial, Inc. (WSBF)'s trailing twelve month P/E ratio is 11.69x as of 2026-06-30.

What exchange does WSBF trade on?

Waterstone Financial, Inc. (WSBF) trades on the Nasdaq.

Where is Waterstone Financial, Inc. incorporated?

Waterstone Financial, Inc. is incorporated in MD.