# Waterstone Financial, Inc.: overview

WSBF · Nasdaq · CIK 1569994 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/wsbf.md) · [Financials](/companies/wsbf/financials.md) · [Filings](/companies/wsbf/filings.md) · [Insiders](/companies/wsbf/insiders.md)

Revenue is not reported in this company’s XBRL financial statements.

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [0.26](/filings/0001437749-25-033594.md) | not reported | [0.17](/filings/0001437749-26-015566.md) | [0.43](/filings/0001437749-26-026246.md) | [0.45](/filings/0001437749-25-033594.md) | not reported | [0.34](/filings/0001437749-26-015566.md) | [0.49](/filings/0001437749-26-026246.md) |
| Free cash flow | $m | [73.9 d](/filings/0001437749-25-033594.md) | [23.1 d](/filings/0001437749-26-005853.md) | [26.5](/filings/0001437749-26-015566.md) | [(38.5) d](/filings/0001437749-26-026246.md) | [32.4 d](/filings/0001437749-25-033594.md) | [2.6 d](/filings/0001437749-26-005853.md) | [(1.6)](/filings/0001437749-26-015566.md) | [9.4 d](/filings/0001437749-26-026246.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [2.96](/filings/0001437749-24-006779.md) | [0.89](/filings/0001437749-25-005687.md) | [0.46](/filings/0001437749-26-005853.md) | [1.01](/filings/0001437749-26-005853.md) | [1.48](/filings/0001437749-26-005853.md) |
| Free cash flow | $m | [141](/filings/0001437749-24-006779.md) | [206](/filings/0001437749-25-005687.md) | [(28.3)](/filings/0001437749-26-005853.md) | [47.0](/filings/0001437749-26-005853.md) | [23.0](/filings/0001437749-26-005853.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/wsbf/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $34.0m | 1,641,766 |  | Added +135,777 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $29.4m | 1,417,945 |  | Added +4,443 |
| [RENAISSANCE TECHNOLOGIES LLC](/funds/1037389.md) | 2026-06-30 | $21.8m | 1,051,571 |  | Reduced −42,900 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $13.3m | 641,005 |  | Reduced −59,232 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $8.3m | 398,372 |  | Added +3,857 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $8.1m | 388,478 |  | Added +21,798 |
| [AMERICAN CENTURY COMPANIES INC](/funds/748054.md) | 2026-06-30 | $7.1m | 341,972 |  | Added +91,887 |
| [AQR CAPITAL MANAGEMENT LLC](/funds/1167557.md) | 2026-06-30 | $5.4m | 259,089 |  | Added +34,295 |
| [BRIDGEWAY CAPITAL MANAGEMENT, LLC](/funds/1107261.md) | 2026-06-30 | $4.4m | 211,375 |  | Added +6,259 |
| [MORGAN STANLEY](/funds/895421.md) | 2026-06-30 | $4.1m | 197,809 |  | Added +44,178 |

## Recent filings

[All 529 filings](/companies/wsbf/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-16 | 20:59 ET | [8-K](/filings/0001437749-26-032821.md) | 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001437749-26-032821 |
| 2026-09-22 | 20:00 ET | [8-K](/filings/0001437749-26-030895.md) | 8.01 Other events | 0001437749-26-030895 |
| 2026-08-06 | 20:01 ET | [10-Q](/filings/0001437749-26-026246.md) | Quarterly report, period 2026-06-30 | 0001437749-26-026246 |
| 2026-07-23 | 20:00 ET | [8-K](/filings/0001437749-26-024291.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001437749-26-024291 |
| 2026-06-23 | 20:00 ET | [8-K](/filings/0001437749-26-021427.md) | 8.01 Other events | 0001437749-26-021427 |
| 2026-05-19 | 20:25 ET | [8-K](/filings/0001437749-26-017794.md) | 5.07 Shareholder vote results | 0001437749-26-017794 |
| 2026-05-07 | 20:01 ET | [10-Q](/filings/0001437749-26-015566.md) | Quarterly report, period 2026-03-31 | 0001437749-26-015566 |
| 2026-04-27 | 20:00 ET | [8-K](/filings/0001437749-26-013465.md) | 8.01 Other events | 0001437749-26-013465 |
| 2026-04-23 | 20:00 ET | [8-K](/filings/0001437749-26-013174.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001437749-26-013174 |
| 2026-04-09 | 13:47 ET | [DEF 14A](/filings/0001437749-26-011833.md) | Proxy statement, period 2026-05-19 | 0001437749-26-011833 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001437749-26-005853.md), filed Feb 26, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 1569994
- Tickers: WSBF
- Exchange: Nasdaq
- SIC code: 6035 Savings Institution, Federally Chartered
- State of incorporation: MD
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:43 ET. No prices; not investment advice.