Revenue
Unavailable
Fiscal year ended 2025-12-31Net income
$26.40M
Fiscal year ended 2025-12-31Total assets
$2.26B
Fiscal year ended 2025-12-31Waterstone Financial, Inc. (WSBF) reported net income of $26.40M for the fiscal year ended 2025-12-31. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from Waterstone Financial, Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institution, Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $26.40M | $18.69M | $9.38M | $19.49M | $70.79M | $81.14M | $35.90M | $30.75M | $25.96M | $25.53M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 17.87M | shares 18.59M | shares 20.20M | shares 22.01M | shares 23.93M | shares 24.61M | shares 26.25M | shares 27.63M | shares 27.90M | shares 27.37M |
| Pretax income | $33.44M | $24.00M | $11.03M | $24.48M | $92.11M | $108.12M | $47.57M | $40.28M | $44.43M | $41.99M |
| Income tax expense | $7.04M | $5.31M | $1.66M | $4.99M | $21.32M | $26.97M | $11.67M | $9.53M | $18.47M | $16.46M |
| Diluted EPS | $1.48 | $1.01 | $0.46 | $0.89 | $2.96 | $3.30 | $1.37 | $1.11 | $0.93 | $0.93 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $86.10M | $48.61M | $47.22M |
| Total assets | $2.26B | $2.21B | $2.21B | $2.03B | $2.22B | $2.18B | $2.00B | $1.92B | $1.81B | $1.79B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $1.91B | $1.87B | $1.87B | $1.66B | $1.78B | $1.77B | $1.60B | $1.52B | $1.39B | $1.38B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $349.39M | $339.14M | $344.06M | $370.49M | $432.77M | $413.12M | $393.69M | $399.68M | $412.10M | $410.69M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt | $412.26M | $446.52M | $611.05M | $386.78M | $477.13M | $508.07M | $483.56M | $435.05M | $386.28M | $387.16M |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $24.18M | $48.06M | -$27.58M | $206.66M | $142.01M | -$93.58M | -$40.22M | $41.50M | $107.10M | -$24.06M |
| Capital expenditures | $1.16M | $1.10M | $700.00K | $701.00K | $778.00K | $1.22M | $3.11M | $3.96M | $1.58M | $1.08M |
| Investing cash flow | -$8.74M | -$23.96M | -$159.22M | -$335.74M | $160.06M | $37.19M | -$1.15M | -$78.44M | -$94.88M | -$25.03M |
| Financing cash flow | $15.91M | -$20.76M | $176.58M | -$201.00M | -$20.12M | $76.86M | $29.57M | $74.43M | -$10.83M | -$4.16M |
| Net change in cash | $31.35M | $3.34M | -$10.22M | -$330.08M | $281.96M | $20.47M | -$11.80M | $37.49M | $1.39M | -$53.25M |
| Stock-based compensation | $297.00K | $316.00K | $277.00K | $583.00K | $745.00K | $716.00K | $1.07M | $1.76M | $1.90M | $1.91M |
| Common dividends paid | $10.77M | $11.27M | $15.36M | $30.26M | $30.39M | $31.52M | $25.96M | $27.05M | $26.95M | $6.92M |
| Common share repurchases | $16.21M | $14.92M | $26.03M | $47.83M | $10.18M | $36.24M | $22.77M | $19.20M | $2.19M | $3.86M |
| Depreciation & amortization | $2.55M | $2.47M | $3.30M | $4.03M | $6.05M | $5.61M | $4.70M | $4.73M | Unavailable | Unavailable |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | $23.02M | $46.96M | -$28.28M | $205.96M | $141.23M | -$94.81M | -$43.33M | $37.54M | $105.52M | -$25.15M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | 1.18x | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 21.1% | 22.1% | 15.0% | 20.4% | 23.1% | 24.9% | 24.5% | 23.6% | 41.6% | 39.2% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open WSBF in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-06View SEC filing
10-Q · Filed 2026-05-07View SEC filing
10-K · Filed 2026-02-26View SEC filing
10-Q · Filed 2025-11-06View SEC filing
10-Q · Filed 2025-08-07View SEC filing
10-Q · Filed 2025-05-08View SEC filing
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.