Waterstone Financial, Inc. (WSBF)
NASDAQ: WSBF · Real-Time Price · USD
18.24
+0.46 (2.59%)
At close: Apr 28, 2026, 4:00 PM EDT
18.25
+0.01 (0.05%)
After-hours: Apr 28, 2026, 4:10 PM EDT
Waterstone Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 105.63 | 104.75 | 103.07 | 90.15 | 62.94 | 64.37 | Upgrade
|
| Interest Income on Investments | 11.74 | 11.36 | 10.1 | 9.06 | 7.31 | 5.52 | Upgrade
|
| Total Interest Income | 117.37 | 116.11 | 113.17 | 99.21 | 70.25 | 69.88 | Upgrade
|
| Interest Paid on Deposits | 42.56 | 43.52 | 40.57 | 25.74 | 4.86 | 4.42 | Upgrade
|
| Interest Paid on Borrowings | 15.19 | 15.86 | 26.43 | 23.26 | 8.43 | 9.95 | Upgrade
|
| Total Interest Expense | 57.75 | 59.37 | 67 | 48.99 | 13.29 | 14.37 | Upgrade
|
| Net Interest Income | 59.62 | 56.73 | 46.17 | 50.22 | 56.95 | 55.52 | Upgrade
|
| Net Interest Income Growth (YoY) | 25.24% | 22.89% | -8.06% | -11.83% | 2.59% | 3.77% | Upgrade
|
| Mortgage Banking Activities | 82.45 | 79.23 | 83.57 | 75.69 | 99.56 | 191.04 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | 0.15 | 0.58 | - | 4.03 | Upgrade
|
| Other Non-Interest Income | 5.87 | 5.96 | 5.59 | 4.92 | 6 | 8.13 | Upgrade
|
| Total Non-Interest Income | 88.32 | 85.19 | 89.3 | 81.19 | 105.56 | 203.2 | Upgrade
|
| Non-Interest Income Growth (YoY) | 3.72% | -4.61% | 10.00% | -23.09% | -48.05% | -16.73% | Upgrade
|
| Revenues Before Loan Losses | 147.94 | 141.92 | 135.47 | 131.4 | 162.51 | 258.71 | Upgrade
|
| Provision for Loan Losses | -0.57 | -1.39 | -0.17 | 0.66 | 0.97 | -3.99 | Upgrade
|
| Revenue | 148.51 | 143.32 | 135.64 | 130.74 | 161.54 | 262.7 | Upgrade
|
| Revenue Growth (YoY) | 11.20% | 5.66% | 3.74% | -19.06% | -38.51% | -9.78% | Upgrade
|
| Salaries and Employee Benefits | 80.63 | 77.84 | 79.34 | 82.36 | 97.09 | 132.24 | Upgrade
|
| Occupancy Expenses | 7.23 | 7.19 | 7.57 | 8.32 | 8.71 | 9.61 | Upgrade
|
| Selling, General & Administrative | 12.02 | 13.41 | 14.37 | 13.84 | 13.92 | 12.94 | Upgrade
|
| Other Non-Interest Expense | 11.81 | 11.74 | 10.32 | 15.18 | 17.32 | 15.8 | Upgrade
|
| Total Non-Interest Expense | 111.4 | 109.87 | 111.64 | 119.71 | 137.06 | 170.59 | Upgrade
|
| EBT Excluding Unusual Items | 37.12 | 33.45 | 24 | 11.03 | 24.48 | 92.11 | Upgrade
|
| Pretax Income | 37.12 | 33.45 | 24 | 11.03 | 24.48 | 92.11 | Upgrade
|
| Income Tax Expense | 7.75 | 7.04 | 5.31 | 1.66 | 4.99 | 21.32 | Upgrade
|
| Net Income | 29.36 | 26.4 | 18.69 | 9.38 | 19.49 | 70.79 | Upgrade
|
| Net Income to Common | 29.36 | 26.4 | 18.69 | 9.38 | 19.49 | 70.79 | Upgrade
|
| Net Income Growth | 57.14% | 41.28% | 99.34% | -51.89% | -72.47% | -12.76% | Upgrade
|
| Basic Shares Outstanding | 18 | 18 | 19 | 20 | 22 | 24 | Upgrade
|
| Diluted Shares Outstanding | 18 | 18 | 19 | 20 | 22 | 24 | Upgrade
|
| Shares Change (YoY) | -4.05% | -3.88% | -7.96% | -8.24% | -8.03% | -2.75% | Upgrade
|
| EPS (Basic) | 1.67 | 1.48 | 1.01 | 0.47 | 0.89 | 2.98 | Upgrade
|
| EPS (Diluted) | 1.66 | 1.48 | 1.01 | 0.46 | 0.89 | 2.96 | Upgrade
|
| EPS Growth | 62.92% | 46.96% | 118.94% | -48.32% | -69.93% | -10.30% | Upgrade
|
| Dividend Per Share | 0.620 | 0.600 | 0.600 | 0.700 | 0.800 | 0.800 | Upgrade
|
| Dividend Growth | 3.33% | - | -14.29% | -12.50% | - | 42.86% | Upgrade
|
| Effective Tax Rate | 20.89% | 21.06% | 22.14% | 15.02% | 20.39% | 23.14% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.