Waterstone Financial, Inc.
WSBF Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$19.78
KIRA · Stoqly’s AI analyst, in plain words
- Waterstone Financial, Inc. had $142M of revenue in fiscal 2025, up 4.8% on the year before. Over five years, revenue changed −13.8% a year on average.
- Waterstone Financial, Inc. made $26.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.3% a year.
- Waterstone Financial, Inc. returned $27.0M to shareholders in fiscal 2025, 117% of free cash flow. The diluted share count fell 3.9%.
- It earned 7.7% on shareholders’ money. Running costs took 77.4% of revenue (the efficiency ratio; lower is better).
Market cap
$340M
P/E
11.6x
Revenue
$142M
Net income
$26.4M
Return on equity
7.7%
Efficiency ratio
77.4%
Waterstone Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+4.8%
Only a little. Sales grew 4.8% last year.
Does it make a profit?
18.6%
Yes. It keeps 18.6% of every sale as profit.
How lean are its costs?
77.4%
Costly. Running costs take 77.4% of revenue.
How much does it earn on its capital?
7.7%
Low. It earns 7.7% a year on shareholders’ money.
How is the share priced?
11.6x
One share costs 11.6 times its yearly profit per share.
What Waterstone Financial, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Waterstone Financial, Inc.
- CIK
- 0001569994
Waterstone Financial, Inc. · WSBF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $259M | $163M | $131M | $135M | $142M |
| Revenue growth | −13.0% | −37.2% | −19.1% | 3.1% | 4.8% |
| Net interest income | $55.5M | $57.0M | $50.2M | $46.2M | $56.7M |
| Net income | $70.8M | $19.5M | $9.4M | $18.7M | $26.4M |
| Net margin | 27.4% | 12.0% | 7.1% | 13.8% | 18.6% |
| Diluted EPS | $2.96 | $0.89 | $0.46 | $1.01 | $1.48 |
| Cash | |||||
| Cash from operations | $142M | $207M | −$27.6M | $48.1M | $24.2M |
| Capital expenditure | $0.8M | $0.7M | $0.7M | $1.1M | $1.2M |
| Free cash flow | $141M | $206M | −$28.3M | $47.0M | $23.0M |
| FCF margin | 54.6% | 126.7% | −21.5% | 34.7% | 16.2% |
| Dividends paid | $30.4M | $30.3M | $15.4M | $11.3M | $10.8M |
| Share buybacks | $10.2M | $47.8M | $26.0M | $14.9M | $16.2M |
| Share count change | −2.7% | −8.0% | −8.2% | −8.0% | −3.9% |
| Debt and strength | |||||
| Cash and short-term investments | $377M | $33.7M | $30.7M | $35.2M | $63.6M |
| Debt incl. finance leases | $477M | $388M | $758M | $447M | $412M |
| Loans, net | $1.2B | — | — | — | — |
| Deposits | $1.2B | $1.2B | $1.2B | $1.4B | $1.4B |
| Shareholders' equity | $433M | $370M | $344M | $339M | $349M |
| Returns and quality | |||||
| Return on equity | 16.7% | 4.9% | 2.6% | 5.5% | 7.7% |
| Return on tangible equity | 16.4% | 5.3% | 2.7% | 5.5% | 7.6% |
| Efficiency ratio | 65.9% | 84.3% | 91.1% | 82.4% | 77.4% |
| Piotroski F-score | 5 | 5 | 2 | 7 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$2.4M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Waterstone Financial, Inc. · WSBF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $19.78 a share, the company is worth $340M: 11.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001569994). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.