WSBF

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Waterstone Financial, Inc.

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Key Metrics

Previous Close: $20.96
52-Week Range: $14.22 – $21.50
Market Cap: $378.24M
P/E (TTM): 12.16
EPS (TTM): 1.73
Dividend Yield: 3.05%

Advanced Metrics

Price/Book: 1.05
PEG Ratio: —
Return on Equity: 8.69%
Return on Assets: 1.34%
Gross Margin: 0.00%
Operating Margin: 26.65%
Profit Margin: 20.00%
Current Ratio: —
Debt/Equity: —
Total Debt: $420.70M
Free Cash Flow: —
Revenue Growth: 5.20%
Earnings Growth: 14.10%
Enterprise Value: $749.76M

WSBF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$157.76M	$127.97M	$132.38M	$138.93M
Selling, General & Admin	$103.54M	$87.88M	$84.63M	$82.50M
Pretax Income	$24.48M	$11.03M	$24.00M	$33.45M
Income Tax	$4.99M	$1.66M	$5.31M	$7.04M
Net Income	$19.49M	$9.38M	$18.69M	$26.40M
Diluted EPS	0.89	0.46	1.01	1.48
Diluted Shares	22.01M	20.20M	18.59M	17.87M

WSBF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$35.96M	$30.93M	$35.46M	$63.85M
Total Assets	$2.03B	$2.21B	$2.21B	$2.26B
Long-Term Debt	$200.00M	$155.00M	$150.00M	$190.00M
Total Debt	$385.70M	$464.00M	$443.55M	$406.08M
Total Liabilities	$1.66B	$1.87B	$1.87B	$1.91B
Retained Earnings	$274.25M	$269.61M	$277.20M	$292.96M
Shareholders' Equity	$370.49M	$344.06M	$339.13M	$349.39M
Net Debt	$349.74M	$433.07M	$408.09M	$342.23M

WSBF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$206.66M	-$27.58M	$48.06M	$24.18M
Capital Expenditure	-$701.00K	-$700.00K	-$1.10M	-$1.17M
Free Cash Flow	$205.96M	-$28.28M	$46.96M	$23.02M
Depreciation & Amortisation	$4.03M	$3.30M	$2.47M	$2.55M
Stock-Based Compensation	$583.00K	$277.00K	$316.00K	$297.00K
Investing Cash Flow	-$335.74M	-$159.22M	-$23.96M	-$8.74M
Financing Cash Flow	-$201.00M	$176.58M	-$20.76M	$15.91M
Dividends Paid	-$30.26M	-$15.36M	-$11.27M	-$10.77M
Share Repurchases	-$47.83M	-$26.03M	-$14.91M	-$16.21M
Net Change in Cash	-$330.08M	-$10.22M	$3.34M	$31.35M

WSBF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$37.22M	$36.35M	$36.60M	$34.66M	—
Selling, General & Admin	$21.87M	$21.25M	$21.61M	$20.46M	—
Pretax Income	$9.67M	$9.84M	$10.05M	$7.55M	—
Income Tax	$1.94M	$1.92M	$2.34M	$1.55M	—
Net Income	$7.73M	$7.93M	$7.71M	$6.00M	—
Diluted EPS	0.43	0.45	0.44	0.34	0.49
Diluted Shares	18.00M	17.67M	17.51M	17.43M	17.18M

WSBF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$37.74M	$63.46M	$50.36M	$63.85M	$39.05M
Total Assets	$2.18B	$2.26B	$2.27B	$2.26B	$2.25B
Long-Term Debt	$190.00M	$210.00M	$210.00M	$190.00M	$242.97M
Total Debt	$384.13M	$452.20M	$460.17M	$406.08M	$406.89M
Total Liabilities	$1.83B	$1.92B	$1.92B	$1.91B	$1.90B
Retained Earnings	$277.52M	$282.58M	$287.87M	$292.96M	$296.03M
Shareholders' Equity	$341.36M	$341.49M	$345.50M	$349.39M	$348.21M
Net Debt	$346.39M	$388.74M	$409.81M	$342.23M	$367.84M

WSBF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$26.74M	-$38.45M	$32.72M	$3.17M	-$647.00K
Capital Expenditure	-$265.00K	-$59.00K	-$295.00K	-$546.00K	-$991.00K
Free Cash Flow	$26.48M	-$38.51M	$32.42M	$2.63M	-$1.64M
Depreciation & Amortisation	$711.00K	$560.00K	$591.00K	$687.00K	$917.00K
Stock-Based Compensation	$82.00K	$106.00K	$148.00K	-$39.00K	$147.00K
Investing Cash Flow	$16.86M	-$6.42M	-$56.04M	$36.86M	-$15.95M
Financing Cash Flow	-$40.07M	$72.50M	$6.17M	-$22.69M	-$9.86M
Dividends Paid	-$2.74M	-$2.73M	-$2.66M	-$2.64M	-$2.64M
Share Repurchases	-$3.17M	-$6.49M	-$3.82M	-$2.72M	-$4.39M
Net Change in Cash	$3.53M	$27.63M	-$17.16M	$17.34M	-$26.45M

Market Snapshot

About

Waterstone Financial, Inc. is a bank holding company for WaterStone Bank SSB, a community bank providing traditional banking and lending services primarily in southeastern Wisconsin. The company focuses on residential and commercial real estate lending, as well as consumer and commercial banking products.