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Waterstone Financial Inc (WSBF) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - REGIONAL · DATA UPDATED 2026-10-05

Waterstone Financial Inc (WSBF) operates in the BANKS - REGIONAL industry and is headquartered in Wauwatosa, United States with about 593 employees. Its market capitalization is roughly $351 million. In the fiscal year ended 2025-12-31, WSBF reported $202M in revenue and $26M in net income.

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking.

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WSBF Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	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	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$162M	$202M	$199M	$177M	$171M	$268M	$318M	$207M	$189M	$188M	$187M	$166M	$148M	$151M	$161M	$123M	$129M	$112M	$112M	$104M	$97M
Gross Profit	$106M	$144M	$133M	$127M	$157M	$258M	$287M	$181M	$170M	$173M	$167M	$141M	$125M	$122M	$125M	$68M	$63M	$31M	$12M	$30M	$41M
Gross Margin %	65.4%	71.2%	66.5%	71.9%	91.7%	96.1%	90.1%	87.1%	90.2%	91.9%	89.0%	84.9%	84.2%	81.3%	77.5%	55.2%	48.7%	27.3%	10.4%	28.9%	42.5%
Operating Income (EBIT)	$20M	$33M	$24M	$11M	$24M	$92M	$108M	$48M	$40M	$44M	$42M	$26M	$20M	$23M	$23M	($7M)	($2M)	($11M)	($24M)	$1M	$13M
Operating Margin %	12.3%	16.6%	12.0%	6.2%	14.3%	34.3%	34.0%	23.0%	21.4%	23.6%	22.4%	15.5%	13.4%	15.5%	14.1%	-5.6%	-1.4%	-10.2%	-21.5%	1.3%	13.1%
Net Income	$30M	$26M	$19M	$9M	$19M	$71M	$81M	$36M	$31M	$26M	$26M	$17M	$13M	$15M	$35M	($7M)	($2M)	($10M)	($26M)	$2M	$8M
Net Margin %	18.6%	13.1%	9.4%	5.3%	11.4%	26.4%	25.5%	17.3%	16.3%	13.8%	13.6%	10.0%	8.6%	9.8%	21.7%	-6.1%	-1.4%	-9.1%	-23.5%	1.5%	8.3%
EBITDA	$21M	$36M	$26M	$14M	$29M	$98M	$114M	$52M	$45M	$47M	$45M	$29M	$24M	$27M	$25M	($5M)	$0M	($9M)	($22M)	$5M	$16M
Earnings Per Share (EPS)	$1.71	$1.48	$1.01	$0.46	$0.89	$2.96	$3.30	$1.37	$1.11	$0.93	$0.93	$0.56	$0.38	$0.43	$1.02	$-0.22	$-0.05	$-0.30	$-0.79	$0.04	$0.22
Shares Outstanding (M)	17M	18M	19M	20M	22M	24M	25M	26M	28M	28M	27M	29M	34M	34M	34M	34M	34M	34M	34M	35M	36M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

WSBF Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$7M	$49M	$54M	$51M	$52M	$44M	$48M	$51M
Gross Profit	($7M)	$35M	$40M	$37M	$37M	$29M	$31M	$34M
Gross Margin %	-89.5%	71.9%	74.5%	71.6%	71.3%	66.7%	65.1%	66.1%
Operating Income (EBIT)	($8M)	$8M	$10M	$10M	$10M	$4M	$6M	$6M
Operating Margin %	-103.6%	15.3%	18.5%	19.2%	18.5%	8.8%	13.1%	11.5%
Net Income	$8M	$6M	$8M	$8M	$8M	$3M	$5M	$5M
Net Margin %	116.1%	12.2%	14.2%	15.5%	14.8%	6.9%	10.9%	9.3%
EBITDA	($8M)	$8M	$11M	$10M	$10M	$5M	$7M	$7M
Earnings Per Share (EPS)	$0.49	$0.34	$0.43	$0.44	$0.43	$0.17	$0.28	$0.26
Shares Outstanding (M)	17M	17M	18M	18M	18M	18M	18M	18M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

WSBF Free Cash Flow History

Cash flow	TTM → 2026-06-30	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	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$45M	$19M	$48M	($28M)	$207M	$154M	($101M)	($40M)	$42M	$107M	($24M)	($13M)	($2M)	$52M	($8M)	$35M	($13M)	($12M)	$24M	$0M	$10M
Capital Expenditures (CapEx)	$2M	$1M	$1M	$1M	$1M	$1M	$1M	$3M	$4M	$2M	$1M	$3M	$2M	$5M	$2M	$1M	$1M	$4M	$1M	$2M	$9M
Free Cash Flow (FCF)	$43M	$18M	$47M	($28M)	$206M	$154M	($102M)	($43M)	$38M	$106M	($25M)	($16M)	($4M)	$47M	($10M)	$34M	($14M)	($16M)	$23M	($2M)	$2M
FCF Margin %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividends Paid	$11M	$11M	$11M	$15M	$30M	$30M	$32M	$26M	$27M	$27M	$7M	$6M	$5M	—	$0M	$0M	—	—	—	—	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

WSBF Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$10M	($1M)	$3M	$33M	($38M)	$27M	$23M	$74M
Capital Expenditures (CapEx)	$0M	$1M	$1M	$0M	$0M	$0M	$0M	$0M
Free Cash Flow (FCF)	$9M	($2M)	$3M	$32M	($39M)	$26M	$23M	$74M
FCF Margin %	—	—	—	—	—	—	—	—
Dividends Paid	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

WSBF Balance Sheet History

Balance sheet	2026-06-30	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	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$2.3B	$2.3B	$2.2B	$2.2B	$2.0B	$2.2B	$2.2B	$2.0B	$1.9B	$1.8B	$1.8B	$1.8B	$1.8B	$1.9B	$1.7B	$1.7B	$1.8B	$1.9B	$1.9B	$1.7B	$1.6B
Cash & Cash Equivalents	$38M	$64M	$35M	$31M	$36M	$363M	$76M	$62M	$61M	$32M	$20M	$80M	$152M	$429M	$43M	$72M	$66M	$61M	$15M	$6M	$54M
Total Liabilities	$1.9B	$1.9B	$1.9B	$1.9B	$1.7B	$1.8B	$1.8B	$1.6B	$1.5B	$1.4B	$1.4B	$1.4B	$1.3B	$1.7B	$350M	$1.5B	$1.6B	$1.7B	$1.7B	$1.5B	$1.4B
Total Debt (Short + Long-Term)	$625M	$412M	$447M	$464M	$572M	$484M	$546M	$484M	$435M	$386M	$387M	$305M	$518M	$539M	$480M	$461M	$457M	$508M	$487M	$475M	$334M
Total Shareholders' Equity	$351M	$349M	$339M	$344M	$370M	$433M	$413M	$394M	$400M	$412M	$411M	$392M	$450M	$214M	$1.3B	$166M	$172M	$169M	$171M	$202M	$241M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive WSBF viewer.

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MVBF · MVB Financial Corp — $331 million
HDB · HDFC Bank Limited ADR — $119 billion
MFG · Mizuho Financial Group Inc. — $117 billion
IBN · ICICI Bank Limited — $108 billion

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