Waterstone Financial, Inc.
About Waterstone Financial, Inc.
Waterstone Financial Inc is a holding company. Through its subsidiaries, it operates in two reportable segments: Community Banking and Mortgage Banking. The Community Banking segment provides consumer and business banking products and services to customers, which include various types of loans, deposits, and personal investment services. The Mortgage Banking segment involves residential mortgage loans for the primary purpose of sale in the secondary market. The majority of its revenue comes from the Community Banking segment.
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Financial summary
- Net income
- $26.4M
- Total assets
- $2.3B
- Market cap
- $339.0M
- Operating margin
- 28.8%
- Net margin
- 22.7%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $116.1M
- Operating expenses
- $82.7M
- Operating income
- $33.4M
- Income tax
- $7.0M
- Net income
- $26.4M
- EPS (basic)
- $1.48
- EPS (diluted)
- $1.48
Balance sheet
- Total assets
- $2.3B
- Current assets
- $2.3B
- Total liabilities
- $1.9B
- Current liabilities
- $1.9B
- Shareholders’ equity
- $349.4M
Cash flow
- Operating cash flow
- $24.2M
- Investing cash flow
- -$8.7M
- Financing cash flow
- $15.9M
- Net cash flow
- $31.3M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $339.0M
- P/E ratio
- 12.6
- EPS (diluted)
- $1.48
- Dividend yield
- 3.66%
- Shares outstanding
- 18.2M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Oct 5, 2005
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $26.4M.
- Revenue grew 66% from FY2021 to FY2025.
- Trading near its 52-week high.
- Pays a dividend yielding about 3.66% annually.
- Valued at a price-to-earnings (P/E) ratio of 12.6.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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