US Stock MarketDetailed Quotes

Waterstone Financial (WSBF)

Watchlist

18.280
-0.250-1.35%

Close Apr 16 16:00 ET

332.00MMarket Cap12.35P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Waterstone Financial (WSBF) Balance Sheet

Quarterly+Annual

YOY

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(FY)Dec 31, 2025

(Q4)Dec 31, 2025

(Q3)Sep 30, 2025

(Q2)Jun 30, 2025

(Q1)Mar 31, 2025

(FY)Dec 31, 2024

(Q4)Dec 31, 2024

(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

Assets

Cash cash equivalents and federal funds sold

78.84%71.11M

29.85%53.77M

71.66%70.92M

-5.30%43.29M

9.17%39.76M

-33.53%41.41M

-32.48%41.32M

-15.64%45.71M

-Cash and cash equivalents

80.07%63.85M

39.71%50.36M

74.13%63.46M

-9.26%37.74M

14.65%35.46M

-35.69%36.05M

-32.04%36.44M

-9.94%41.59M

-Money market investments

68.64%7.26M

-36.42%3.41M

53.19%7.47M

34.61%5.55M

-21.68%4.3M

-14.08%5.36M

-35.57%4.87M

-48.53%4.12M

Net loan

0.27%1.8B

-0.01%1.83B

-3.97%1.81B

-3.26%1.76B

-0.69%1.8B

2.41%1.83B

4.64%1.88B

7.53%1.82B

-Gross loan

0.23%1.82B

-0.04%1.85B

-3.97%1.83B

-3.27%1.78B

-0.70%1.82B

2.36%1.85B

4.60%1.9B

7.50%1.84B

-Allowance for loans and lease losses

-4.21%17.48M

-2.90%17.67M

-3.33%17.8M

-3.47%17.91M

-1.63%18.25M

-1.91%18.2M

0.22%18.41M

4.54%18.55M

Securities and investments

10.69%230.85M

6.21%226.4M

6.80%218.76M

4.35%213.62M

1.78%208.55M

9.60%213.16M

5.04%204.84M

2.13%204.7M

-Available for sale securities

14.61%60.48M

--60.1M

----

--52.77M

----

-Short term investments

-18.31%170.37M

-21.98%166.31M

6.80%218.76M

4.35%213.62M

1.78%208.55M

9.60%213.16M

5.04%204.84M

2.13%204.7M

Federal home loan bank stock

-2.42%19.8M

-4.49%20.71M

-12.36%20.35M

-16.52%18.35M

-2.80%20.3M

-7.40%21.68M

-13.35%23.22M

-7.92%21.98M

Bank owned life insurance

3.67%77.35M

10.36%76.81M

10.26%76.29M

10.10%75.09M

9.95%74.61M

3.08%69.6M

2.98%69.19M

2.89%68.21M

Net PPE

-2.75%18.86M

-3.67%18.74M

-4.01%18.87M

-3.58%19.22M

-3.03%19.39M

-2.94%19.45M

-3.30%19.66M

-3.77%19.94M

-Gross PPE

1.18%54.86M

----

-0.92%54.22M

----

-Accumulated depreciation

-3.37%-36M

----

-0.30%-34.83M

----

Foreclosed assets

-16.04%424K

-41.38%85K

-34.47%135K

98.82%505K

-61.02%145K

0.00%145K

42.07%206K

Other assets

-21.29%37.99M

-13.14%39.81M

-10.70%42.99M

-16.85%43.76M

-7.93%48.26M

-27.54%45.84M

-19.21%48.14M

-4.39%52.63M

Total assets

2.26%2.26B

1.11%2.27B

-1.44%2.26B

-2.66%2.18B

-0.17%2.21B

1.03%2.24B

2.68%2.29B

5.69%2.23B

Liabilities

Total deposits

5.69%1.44B

9.66%1.39B

13.14%1.38B

15.11%1.38B

14.22%1.36B

4.87%1.26B

3.11%1.22B

1.44%1.2B

Federal funds purchased and securities sold under agreement to repurchase

108.16%6.17M

975.57%8.9M

332.94%13.53M

1,681.46%11.72M

44.40%2.97M

-71.48%827K

-83.88%3.12M

-44.98%658K

Current debt and capital lease obligation

-26.39%216.08M

-4.88%250.17M

-41.78%242.2M

33.88%194.13M

-5.00%293.55M

65.41%263M

3.87%416M

-31.12%145M

-Current debt

-26.39%216.08M

-4.88%250.17M

-41.78%242.2M

33.88%194.13M

-5.00%293.55M

65.41%263M

3.87%416M

-31.12%145M

Long term debt and capital lease obligation

26.67%190M

31.25%210M

110.00%210M

-61.11%190M

-3.23%150M

-50.92%160M

-48.72%100M

68.45%488.5M

-Long term debt

26.67%190M

31.25%210M

110.00%210M

-61.11%190M

-3.23%150M

-50.92%160M

-48.72%100M

68.45%488.5M

Other liabilities

-5.42%60.59M

-68.02%68.64M

-69.46%64.64M

-9.12%56.96M

-69.88%64.06M

17.97%214.67M

193.03%211.62M

-2.25%62.67M

Total liabilities

2.12%1.91B

1.12%1.92B

-2.03%1.92B

-3.31%1.83B

0.06%1.87B

1.46%1.9B

4.30%1.95B

8.47%1.9B

Shareholders'equity

Share capital

-4.66%184K

-4.64%185K

-3.59%188K

-3.02%193K

-4.93%193K

-7.18%194K

-8.88%195K

-9.13%199K

-common stock

-4.66%184K

-4.64%185K

-3.59%188K

-3.02%193K

-4.93%193K

-7.18%194K

-8.88%195K

-9.13%199K

-Preferred stock

--0

Paid-in capital

-14.47%78.01M

-13.22%80.52M

-9.53%84.11M

-8.25%90.47M

-12.22%91.21M

-15.66%92.79M

-20.28%92.96M

-20.12%98.61M

Retained earnings

5.69%292.96M

4.78%287.87M

3.59%282.58M

2.85%277.52M

2.82%277.2M

0.81%274.75M

0.20%272.78M

-0.90%269.83M

Gains losses not affecting retained earnings

34.70%-12.27M

9.92%-13.29M

22.43%-15.29M

13.76%-16.44M

-5.59%-18.79M

39.23%-14.75M

5.34%-19.72M

-9.74%-19.06M

Other equity interest

11.10%-9.5M

10.81%-9.79M

10.53%-10.09M

10.25%-10.39M

10.00%-10.68M

9.76%-10.98M

9.52%-11.28M

9.30%-11.57M

Total stockholders'equity

3.02%349.39M

1.02%345.5M

1.95%341.49M

0.99%341.36M

-1.43%339.14M

-1.25%342M

-5.85%334.95M

-7.60%338M

Total equity

3.02%349.39M

1.02%345.5M

1.95%341.49M

0.99%341.36M

-1.43%339.14M

-1.25%342M

-5.85%334.95M

-7.60%338M

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(FY)Dec 31, 2025	(Q4)Dec 31, 2025	(Q3)Sep 30, 2025	(Q2)Jun 30, 2025	(Q1)Mar 31, 2025	(FY)Dec 31, 2024	(Q4)Dec 31, 2024	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024
Assets
Cash cash equivalents and federal funds sold	78.84%71.11M	78.84%71.11M	29.85%53.77M	71.66%70.92M	-5.30%43.29M	9.17%39.76M	9.17%39.76M	-33.53%41.41M	-32.48%41.32M	-15.64%45.71M
-Cash and cash equivalents	80.07%63.85M	80.07%63.85M	39.71%50.36M	74.13%63.46M	-9.26%37.74M	14.65%35.46M	14.65%35.46M	-35.69%36.05M	-32.04%36.44M	-9.94%41.59M
-Money market investments	68.64%7.26M	68.64%7.26M	-36.42%3.41M	53.19%7.47M	34.61%5.55M	-21.68%4.3M	-21.68%4.3M	-14.08%5.36M	-35.57%4.87M	-48.53%4.12M
Net loan	0.27%1.8B	0.27%1.8B	-0.01%1.83B	-3.97%1.81B	-3.26%1.76B	-0.69%1.8B	-0.69%1.8B	2.41%1.83B	4.64%1.88B	7.53%1.82B
-Gross loan	0.23%1.82B	0.23%1.82B	-0.04%1.85B	-3.97%1.83B	-3.27%1.78B	-0.70%1.82B	-0.70%1.82B	2.36%1.85B	4.60%1.9B	7.50%1.84B
-Allowance for loans and lease losses	-4.21%17.48M	-4.21%17.48M	-2.90%17.67M	-3.33%17.8M	-3.47%17.91M	-1.63%18.25M	-1.63%18.25M	-1.91%18.2M	0.22%18.41M	4.54%18.55M
Securities and investments	10.69%230.85M	10.69%230.85M	6.21%226.4M	6.80%218.76M	4.35%213.62M	1.78%208.55M	1.78%208.55M	9.60%213.16M	5.04%204.84M	2.13%204.7M
-Available for sale securities	14.61%60.48M	14.61%60.48M	--60.1M	----	----	--52.77M	--52.77M	----	----	----
-Short term investments	-18.31%170.37M	-18.31%170.37M	-21.98%166.31M	6.80%218.76M	4.35%213.62M	1.78%208.55M	1.78%208.55M	9.60%213.16M	5.04%204.84M	2.13%204.7M
Federal home loan bank stock	-2.42%19.8M	-2.42%19.8M	-4.49%20.71M	-12.36%20.35M	-16.52%18.35M	-2.80%20.3M	-2.80%20.3M	-7.40%21.68M	-13.35%23.22M	-7.92%21.98M
Bank owned life insurance	3.67%77.35M	3.67%77.35M	10.36%76.81M	10.26%76.29M	10.10%75.09M	9.95%74.61M	9.95%74.61M	3.08%69.6M	2.98%69.19M	2.89%68.21M
Net PPE	-2.75%18.86M	-2.75%18.86M	-3.67%18.74M	-4.01%18.87M	-3.58%19.22M	-3.03%19.39M	-3.03%19.39M	-2.94%19.45M	-3.30%19.66M	-3.77%19.94M
-Gross PPE	1.18%54.86M	1.18%54.86M	----	----	----	-0.92%54.22M	-0.92%54.22M	----	----	----
-Accumulated depreciation	-3.37%-36M	-3.37%-36M	----	----	----	-0.30%-34.83M	-0.30%-34.83M	----	----	----
Foreclosed assets	-16.04%424K	-16.04%424K	-41.38%85K	-41.38%85K	-34.47%135K	98.82%505K	98.82%505K	-61.02%145K	0.00%145K	42.07%206K
Other assets	-21.29%37.99M	-21.29%37.99M	-13.14%39.81M	-10.70%42.99M	-16.85%43.76M	-7.93%48.26M	-7.93%48.26M	-27.54%45.84M	-19.21%48.14M	-4.39%52.63M
Total assets	2.26%2.26B	2.26%2.26B	1.11%2.27B	-1.44%2.26B	-2.66%2.18B	-0.17%2.21B	-0.17%2.21B	1.03%2.24B	2.68%2.29B	5.69%2.23B
Liabilities
Total deposits	5.69%1.44B	5.69%1.44B	9.66%1.39B	13.14%1.38B	15.11%1.38B	14.22%1.36B	14.22%1.36B	4.87%1.26B	3.11%1.22B	1.44%1.2B
Federal funds purchased and securities sold under agreement to repurchase	108.16%6.17M	108.16%6.17M	975.57%8.9M	332.94%13.53M	1,681.46%11.72M	44.40%2.97M	44.40%2.97M	-71.48%827K	-83.88%3.12M	-44.98%658K
Current debt and capital lease obligation	-26.39%216.08M	-26.39%216.08M	-4.88%250.17M	-41.78%242.2M	33.88%194.13M	-5.00%293.55M	-5.00%293.55M	65.41%263M	3.87%416M	-31.12%145M
-Current debt	-26.39%216.08M	-26.39%216.08M	-4.88%250.17M	-41.78%242.2M	33.88%194.13M	-5.00%293.55M	-5.00%293.55M	65.41%263M	3.87%416M	-31.12%145M
Long term debt and capital lease obligation	26.67%190M	26.67%190M	31.25%210M	110.00%210M	-61.11%190M	-3.23%150M	-3.23%150M	-50.92%160M	-48.72%100M	68.45%488.5M
-Long term debt	26.67%190M	26.67%190M	31.25%210M	110.00%210M	-61.11%190M	-3.23%150M	-3.23%150M	-50.92%160M	-48.72%100M	68.45%488.5M
Other liabilities	-5.42%60.59M	-5.42%60.59M	-68.02%68.64M	-69.46%64.64M	-9.12%56.96M	-69.88%64.06M	-69.88%64.06M	17.97%214.67M	193.03%211.62M	-2.25%62.67M
Total liabilities	2.12%1.91B	2.12%1.91B	1.12%1.92B	-2.03%1.92B	-3.31%1.83B	0.06%1.87B	0.06%1.87B	1.46%1.9B	4.30%1.95B	8.47%1.9B
Shareholders'equity
Share capital	-4.66%184K	-4.66%184K	-4.64%185K	-3.59%188K	-3.02%193K	-4.93%193K	-4.93%193K	-7.18%194K	-8.88%195K	-9.13%199K
-common stock	-4.66%184K	-4.66%184K	-4.64%185K	-3.59%188K	-3.02%193K	-4.93%193K	-4.93%193K	-7.18%194K	-8.88%195K	-9.13%199K
-Preferred stock	--0	--0	--0	--0	--0	--0	--0	--0	--0	--0
Paid-in capital	-14.47%78.01M	-14.47%78.01M	-13.22%80.52M	-9.53%84.11M	-8.25%90.47M	-12.22%91.21M	-12.22%91.21M	-15.66%92.79M	-20.28%92.96M	-20.12%98.61M
Retained earnings	5.69%292.96M	5.69%292.96M	4.78%287.87M	3.59%282.58M	2.85%277.52M	2.82%277.2M	2.82%277.2M	0.81%274.75M	0.20%272.78M	-0.90%269.83M
Gains losses not affecting retained earnings	34.70%-12.27M	34.70%-12.27M	9.92%-13.29M	22.43%-15.29M	13.76%-16.44M	-5.59%-18.79M	-5.59%-18.79M	39.23%-14.75M	5.34%-19.72M	-9.74%-19.06M
Other equity interest	11.10%-9.5M	11.10%-9.5M	10.81%-9.79M	10.53%-10.09M	10.25%-10.39M	10.00%-10.68M	10.00%-10.68M	9.76%-10.98M	9.52%-11.28M	9.30%-11.57M
Total stockholders'equity	3.02%349.39M	3.02%349.39M	1.02%345.5M	1.95%341.49M	0.99%341.36M	-1.43%339.14M	-1.43%339.14M	-1.25%342M	-5.85%334.95M	-7.60%338M
Total equity	3.02%349.39M	3.02%349.39M	1.02%345.5M	1.95%341.49M	0.99%341.36M	-1.43%339.14M	-1.43%339.14M	-1.25%342M	-5.85%334.95M	-7.60%338M
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--	--	--

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