Waterstone Financial, Inc. (WSBF)
Operating cash flow minus capital spending left $23M of free cash flow in fiscal 2025. At June 30, 2026 it held $32.7M in cash against $412M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 6, 2026.
Key facts about Waterstone Financial, Inc.
- Net worth
- Waterstone Financial, Inc. has a market value (market cap) of $368.7M at the latest share price, and shareholders' equity of $351.1M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $24.2M of cash; after $1.2M of capital spending, free cash flow was $23M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 6, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Waterstone Financial, Inc.'s next report was expected around October 22, 2026 and is not on file with the SEC yet.
- Dividend
- Waterstone Financial, Inc. declared dividends of $0.60 per share in fiscal 2025, a yield of 2.93% at the current price.
What Waterstone Financial, Inc. does
Waterstone Financial, Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker WSBF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $26.4M | $1.48 | $23M |
| 2024 | n/a | $18.7M | $1.01 | $47M |
| 2023 | n/a | $9.4M | $0.46 | -$28.3M |
| 2022 | n/a | $19.5M | $0.89 | $206M |
| 2021 | n/a | $70.8M | $2.96 | $141.2M |
| 2020 | n/a | $81.1M | $3.30 | -$94.8M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Waterstone Financial, Inc. declared $0.60 per share in fiscal 2025. At the current price that is a yield of 2.93%. It paid out $10.8M in cash dividends, 41% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.60 | $10.8M | 41% |
| 2024 | $0.60 | $11.3M | 60% |
| 2023 | $0.70 | $15.4M | 164% |
| 2022 | $0.80 | $30.3M | 155% |
| 2021 | $1.80 | $30.4M | 43% |
| 2020 | $1.36 | $31.5M | 39% |
Latest SEC filings
What Waterstone Financial, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026Late quarterly report notice NT 10-Q
- October 16, 2026
- September 22, 2026Other event 8-K
- August 6, 2026
- July 23, 2026
- June 23, 2026Other event 8-K
- June 3, 2026
- May 19, 2026
- May 7, 2026
- April 27, 2026Other event 8-K
Insider trades
What the people running Waterstone Financial, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $172.4K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 13, 2026 | Gordon Ryan JEVP/Chief Credit Officer | Exercised options | 10,000 | $172K |
| August 13, 2026 | Gordon Ryan JEVP/Chief Credit Officer | Sold | 620 | $13.1K |
| August 13, 2026 | Gordon Ryan JEVP/Chief Credit Officer | Sold | 1,300 | $27.4K |
| August 13, 2026 | Gordon Ryan JEVP/Chief Credit Officer | Sold | 6,237 | $131.9K |
| May 21, 2026 | Gerke Mark RaymondEVP/Chief Financial Officer | Exercised options | 10,000 | $149.8K |
| May 21, 2026 | Gerke Mark RaymondEVP/Chief Financial Officer | Sold | 10,000 | $183.4K |
| February 18, 2026 | Gordon Douglas SDirector | Sold | 2,880 | $52.2K |
| February 6, 2026 | Gordon Douglas SDirector | Sold | 6,765 | $123.6K |
Who owns WSBF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
4 insiders reported holding 607,489 shares in total, about $12.5M at the last price.
| Holder | Shares |
|---|---|
| Gordon Douglas SDirector | 556,773 |
| Gerke Mark RaymondEVP/Chief Financial Officer | 30,034 |
| Gordon Ryan JEVP/Chief Credit Officer | 11,611 |
| Glynn Julie AnnEVP/Chief Retail Officer | 9,071 |
Questions about WSBF
What does Waterstone Financial, Inc. do?
Waterstone Financial, Inc. is a company in the Finance sector, listed on NASDAQ as WSBF. Its shares trade on NASDAQ under the ticker WSBF.
What is Waterstone Financial, Inc.'s net worth?
Waterstone Financial, Inc. has a market value (market cap) of $368.7M at the latest share price, and shareholders' equity of $351.1M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Waterstone Financial, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $30.1M.
When did Waterstone Financial, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 6, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the late quarterly report notice from November 9, 2026.
When is Waterstone Financial, Inc.'s next earnings report?
Waterstone Financial, Inc.'s next report was expected around October 22, 2026 and is not on file with the SEC yet.
Does Waterstone Financial, Inc. pay a dividend?
Yes. Waterstone Financial, Inc. declared dividends of $0.60 per share in fiscal 2025, a yield of 2.93% at the current price.
Similar companies
Compare WSBF with
Follow WSBF
Get an email when Waterstone Financial, Inc. files with the SEC: results, executive changes, material agreements and annual reports.
Where the numbers come from
Financial figures are the values Waterstone Financial, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.