Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers ...
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Est. EPS $0.29 · Revenue $39.40M · 1 analysts
Est. EPS $0.15 · Revenue $35.60M · 1 analysts
Est. EPS $0.07 · Revenue $28.20M · 1 analysts
Est. EPS $0.26 · Revenue $37.70M · 1 analysts
$0.64 per share
$0.64 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $201.6M | +1.1% | -85.2% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $26.4M | +41.3% | +41.1% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +71.2% | +7.2% | -224.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +16.6% | +37.8% | -775.4% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +13.1% | +39.7% | +853.0% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $17.9M | -62.0% | +671.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +8.9% | -62.4% | +3962.1% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 118.0% | -10.4% | -1.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.14x | +22.2% | -34.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $2.3B | +2.3% | +0.1% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 1.48 vs 1.01 | +46.5% | 0.50 vs 0.29 | +72.4% |
| Revenue Surprise | $201.6M vs $151.6M | +33.0% | $7.3M vs $39.4M | -81.5% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 13, 2026 | Gordon Ryan J | officer: EVP/Chief Credit Officer | Common Stock | A | 10,000 | $17.20 |
| Aug 13, 2026 | Gordon Ryan J | officer: EVP/Chief Credit Officer | Common Stock | D | 620 | $21.10 |
| Aug 13, 2026 | Gordon Ryan J | officer: EVP/Chief Credit Officer | Common Stock | D | 1,300 | $21.11 |
| Aug 13, 2026 | Gordon Ryan J | officer: EVP/Chief Credit Officer | Common Stock | D | 6,237 | $21.14 |
| Aug 13, 2026 | Gordon Ryan J | officer: EVP/Chief Credit Officer | Stock Option | D | 10,000 | $17.20 |
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
William F. Bruss | Chief Executive Officer, President, General Counsel & Secretary | USD 719,308 | Male | 1970 | Active |
Mark Raymond Gerke | Executive Vice President, Chief Financial Officer & Chief Accounting Officer | USD 516,100 | Male | 1975 | Active |
Jeffrey R. McGuiness | President & Chief Executive Officer of Waterstone Mortgage Corporation | USD 505,530 | Male | 1966 | Active |
Douglas S. Gordon | Director | USD 200,000 | Male | 1958 | Active |
Kyle J. Mertz | Controller | — | Male | — | Active |
Improving margins, stronger mortgage volumes, loan growth and solid credit quality are strengthening Waterstone Financial's earnings outlook and financial flexibility.
BlackRock Inc. purchased a new stake in Waterstone Financial, Inc. (NASDAQ: WSBF) during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The fund purchased 1,641,766 shares of the savings and loans company's stock, valued at approximately $34,034,000. BlackRock Inc. owned about 9.09% of Waterstone Financial at
Connor Clark and Lunn Investment Management Ltd. purchased a new position in Waterstone Financial, Inc. (NASDAQ: WSBF) in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 41,778 shares of the savings and loans company's stock, valued at approximately
WSBF's Q2 earnings per share rise year over year on higher net interest income, improved margins and community banking strength, while mortgage banking faces pressure from softer sales margins.
WAUWATOSA, Wis., July 23, 2026 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $8.5 million, or $0.49 per diluted share, for the quarter ended June 30, 2026 compared to $7.7 million, or $0.43 per diluted share, for the quarter ended June 30, 2025.
