WSBF
Waterstone Financial, Inc.Company Information
- Company Name
- Waterstone Financial, Inc.
- CIK
- CIK0001569994
- Category
- Accelerated filer
- Ticker: Exchange
- WSBF: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6035
- SIC Description
- Savings Institution, Federally Chartered
- Ticker
- WSBF
SEC filing data through
Insider Sentiment
- Last purchase
- 2023-10-26
- Last sale
- 2026-08-13
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 276,101
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 9,658,963
- Shares outstanding
- 17,114,000
- Ownership
- 56.44%
Earnings Market Reaction
- Filing date
- 2026-08-06
- Price on filing date
- —
- 1-month reaction
- 0.91%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 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 Insurance | 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 Tax | -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 Basis | 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 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialWaterstone 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. Waterstone Financial, Inc. (WSBF)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-06. Based on that filing, Waterstone Financial, Inc. carries a market cap of $351.76M, a P/E ratio of 11.69x, a P/B ratio of 1.00x, a P/S ratio of 2.97x, an enterprise value of $731.01M, and an EV/EBITDA multiple of -35.07x. On profitability, it posts a gross margin of 52.36%, an operating margin of 32.20%, a net margin of 25.45%, a Return on Equity (ROE) of 8.69%, and a Return on Invested Capital (ROIC) of -2.55%. Per share, it reports EPS of $1.76, diluted EPS of $1.75, free cash flow per share of $2.50, and a dividend per share of $0.63. Over the trailing year, it posted revenue growth of 3.13% year-over-year, net income growth of 45.39% year-over-year, and EPS growth of 52.83% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.39x, free cash flow of $42.78M (TTM), and net debt of $379.25M. Figures sourced from SEC EDGAR.
- Market Cap
- $351.76M
- P/E TTM
- 11.69x
- EPS TTM
- $1.76
- P/B TTM
- 1.00x
- ROE TTM
- 8.69%
- Free Cash Flow TTM
- $42.78M
- Net Revenue TTM Growth 1Y
- 3.13%
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 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.
When was Waterstone Financial, Inc. (WSBF)'s most recent SEC filing?
Waterstone Financial, Inc. (WSBF)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-06.
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 is WSBF's EPS (earnings per share)?
Waterstone Financial, Inc. (WSBF)'s trailing twelve month EPS is $1.76 as of 2026-06-30.
What is WSBF's ROE (return on equity)?
Waterstone Financial, Inc. (WSBF)'s trailing twelve month Return on Equity (ROE) is 8.69% as of 2026-06-30.
What is WSBF's ROIC (return on invested capital)?
Waterstone Financial, Inc. (WSBF)'s trailing twelve month Return on Invested Capital (ROIC) is -2.55% as of 2026-06-30.
What is WSBF's EV/EBITDA?
Waterstone Financial, Inc. (WSBF)'s trailing twelve month EV/EBITDA is -35.07x as of 2026-06-30.