Waterstone Financial, Inc. (WSBF)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 1569994 · fiscal year ends in Dec
Closing price $19.57 on 30 Oct 2026; 52-week range $15.16 to $21.52.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $150.2M
- Revenue growth
- 12.4%
- Net income, last twelve months
- $30.1M
- Earnings per share
- $1.72
- Net margin
- 20.0%
- Free cash flow
- $42.8M
- Return on equity
- 8.6%
- Market value
- $351.7M
- Price to earnings
- 11.4x
- Dividend yield
- 3.3%
- Cash
- $32.7M
- Debt
- $412.0M
- Debt to equity
- 1.17
- Shares outstanding
- 18.0M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $141.9M | – | $26.4M | $1.48 | $23.0M | 10-K filed 26 Feb 2026 |
| FY2024 | 31 Dec 2024 | $135.5M | – | $18.7M | $1.01 | $47.0M | 10-K filed 28 Feb 2025 |
| FY2023 | 31 Dec 2023 | $131.4M | – | $9.4M | $0.46 | -$28.3M | 10-K filed 6 Mar 2024 |
| FY2022 | 31 Dec 2022 | $162.5M | – | $19.5M | $0.89 | $206.0M | 10-K filed 28 Feb 2023 |
| FY2021 | 31 Dec 2021 | $258.7M | – | $70.8M | $2.96 | $141.2M | 10-K filed 28 Feb 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $40.3M | $8.5M | $0.49 |
| Q1 FY2026 | 31 Mar 2026 | $35.7M | $6.0M | $0.34 |
| Q4 FY2025 | 31 Dec 2025 | $37.2M | $7.7M | $0.44 |
| Q3 FY2025 | 30 Sep 2025 | $37.0M | $7.9M | $0.45 |
| Q2 FY2025 | 30 Jun 2025 | $38.0M | $7.7M | $0.43 |
| Q1 FY2025 | 31 Mar 2025 | $29.7M | $3.0M | $0.17 |
| Q4 FY2024 | 31 Dec 2024 | $31.8M | $5.2M | $0.28 |
| Q3 FY2024 | 30 Sep 2024 | $34.1M | $4.7M | $0.26 |
Company events
The newest 8-K filings of 182 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 16 Oct 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 22 Sep 2026 | 8-K | Other events | 8.01 |
| 23 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Jun 2026 | 8-K | Other events | 8.01 |
| 19 May 2026 | 8-K | Shareholder vote | 5.07 |
| 27 Apr 2026 | 8-K | Other events | 8.01 |
| 23 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 17 Mar 2026 | 8-K | Other events | 8.01 |
| 28 Jan 2026 | 8-K | Results | 2.02, 9.01 |
| 18 Dec 2025 | 8-K | Other events | 8.01 |
| 23 Oct 2025 | 8-K | Results | 2.02, 9.01 |
| 21 Oct 2025 | 8-K | Leadership change | 5.02 |
Every filing
The newest filings with the SEC of 289 held.
| Filed | Form | Period |
|---|---|---|
| 16 Oct 2026 | 8-K | 16 Oct 2026 |
| 22 Sep 2026 | 8-K | 22 Sep 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 23 Jun 2026 | 8-K | 23 Jun 2026 |
| 3 Jun 2026 | 11-K | 31 Dec 2025 |
| 19 May 2026 | 8-K | 19 May 2026 |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 27 Apr 2026 | 8-K | 27 Apr 2026 |
| 23 Apr 2026 | 8-K | 23 Apr 2026 |
| 9 Apr 2026 | ARS | 31 Dec 2025 |
| 9 Apr 2026 | DEF 14A | 19 May 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 13 Aug 2026 | Gordon Ryan J, EVP/Chief Credit Officer | Sale outside a trading plan | 620 | $21.10 | $13.1K | 19,148 | 17 Aug 2026 |
| 13 Aug 2026 | Gordon Ryan J, EVP/Chief Credit Officer | Sale outside a trading plan | 1,300 | $21.11 | $27.4K | 17,848 | 17 Aug 2026 |
| 13 Aug 2026 | Gordon Ryan J, EVP/Chief Credit Officer | Sale outside a trading plan | 6,237 | $21.14 | $131.9K | 11,611 | 17 Aug 2026 |
| 21 May 2026 | Gerke Mark Raymond, EVP/Chief Financial Officer | Sale outside a trading plan | 10,000 | $18.34 | $183.4K | 30,034 | 22 May 2026 |
| 18 Feb 2026 | Gordon Douglas S, Director | Sale outside a trading plan | 2,880 | $18.11 | $52.2K | 556,773 | 20 Feb 2026 |
| 6 Feb 2026 | Gordon Douglas S, Director | Sale outside a trading plan | 6,765 | $18.27 | $123.6K | 559,653 | 10 Feb 2026 |
| 5 Feb 2026 | Gordon Douglas S, Director | Sale outside a trading plan | 18,716 | $18.25 | $341.6K | 566,418 | 6 Feb 2026 |
| 4 Feb 2026 | Gordon Douglas S, Director | Sale outside a trading plan | 15,000 | $18.55 | $278.3K | 585,134 | 6 Feb 2026 |
| 4 Feb 2026 | Lawton Patrick S, Director | Sale outside a trading plan | 19,255 | $18.64 | $358.9K | 0 | 5 Feb 2026 |
| 3 Feb 2026 | Lawton Patrick S, Director | Sale outside a trading plan | 30,000 | $18.53 | $555.9K | 19,255 | 5 Feb 2026 |
| 2 Feb 2026 | Glynn Julie Ann, EVP/Chief Retail Officer | Sale outside a trading plan | 20,000 | $18.17 | $363.4K | 10,000 | 4 Feb 2026 |
| 2 Feb 2026 | Glynn Julie Ann, EVP/Chief Retail Officer | Sale outside a trading plan | 929 | $18.69 | $17.4K | 9,071 | 4 Feb 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 14 Aug 2026 | Ryan Gordon, Officer | 8,157 | $172.4K | 13 Aug 2026 |
| 21 May 2026 | Mark Gerke, Officer | 10,000 | $185.0K | 21 May 2026 |
| 4 Feb 2026 | Gordon Douglas S, Director | 71,555 | $1.3M | 4 Feb 2026 |
| 3 Feb 2026 | Julie Glynn, Officer | 20,929 | $380.8K | 2 Feb 2026 |
| 2 Feb 2026 | Lawton, Patrick S. (WSBF), Director | 49,255 | $887.0K | 3 Feb 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 21 Jan 2026 | BlackRock, Inc. | 13G amended | 7.1% | 1.3M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 440.6K | +17.47% | 5.98 |
| 30 Sep 2026 | 375.1K | -10.85% | 4.12 |
| 15 Sep 2026 | 420.7K | -2.65% | 3.91 |
| 31 Aug 2026 | 432.2K | +9.11% | 6.84 |
| 14 Aug 2026 | 396.1K | +21.17% | 7.68 |
| 31 Jul 2026 | 326.9K | +3.08% | 4.94 |
| 15 Jul 2026 | 317.1K | -4.82% | 3.84 |
| 30 Jun 2026 | 333.2K | +13.14% | 2.93 |
Funds that hold it
From each fund's latest Form 13F.
136 funds held it at 30 Jun 2026: 66 added and 30 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 1,641,766 | $34.0M | +135,777 |
| Dimensional Fund Advisors LP | 1,417,945 | $29.4M | +4,443 |
| Renaissance Technologies LLC | 1,051,571 | $21.8M | -42,900 |
| Vanguard Capital Management LLC | 641,005 | $13.3M | -59,232 |
| State Street Corp. | 398,372 | $8.3M | +3,857 |
| Geode Capital Management, LLC | 388,478 | $8.1M | +21,798 |
| American Century Companies Inc. | 341,972 | $7.1M | +91,887 |
| AQR Capital Management LLC | 259,089 | $5.4M | +34,295 |
| CSM Advisors, LLC | 221,070 | $4.6M | +30,945 |
| Bridgeway Capital Management, LLC | 211,375 | $4.4M | +6,259 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $293.3B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.1B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.1B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.6B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- Capitol Federal Financial, Inc. (CFFN): revenue $229.2M, market value $1.1B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $774.2M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $589.6M
- Ponce Financial Group, Inc. (PDLB): revenue $120.0M, market value $543.9M