Waterstone Financial, Inc.
WSBFNasdaq
$19.69
↓ -1.5%Jul 17 close · end-of-day
Price
1Y↑ +52.6%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$343.2M
Enterprise Value
$756.2M
P/E
11.9
P/S
—
P/B
1.0
EV/EBITDA
—
PEG
0.6
FCF Yield
-1.5%
Dividend Yield
3.1%
Revenue (TTM)
—
Net Income (TTM)
$29.4M
Free Cash Flow (TTM)
-$5.1M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
8.4%
ROIC
—
Debt / Equity
1.2
Net Cash
-$413.0M
Return 1Y
+50.9%
Company profile
Waterstone Financial, Inc. operates in two segments, Community Banking and Mortgage Banking. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It operates 14 full-service banking offices, 1 drive-through office, and 14 automated teller machines.
- CEO
- William F. Bruss
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 600
- Headquarters
- Wisconsin
- Website
- wsbonline.com
Management & directors
- Gerke Mark RaymondEVP/Chief Financial Officer
- Glynn Julie AnnEVP/Chief Retail Officer
Roles derived from SEC Form 4 filings.
Earnings
WSBF Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.34↑ +100.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $81.1M | $70.8M | $19.5M | $9.4M | $18.7M | $26.4M |
| Diluted EPS | $3.30 | $2.96 | $0.89 | $0.46 | $1.01 | $1.48 |
| Operating cash flow | -$93.6M | $142.0M | $206.7M | -$27.6M | $48.1M | $24.2M |
| Free cash flow | -$94.8M | $141.2M | $206.0M | -$28.3M | $47.0M | $23.0M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $5.7M | $4.7M | $5.2M | $3.0M | $7.7M | $7.9M | $7.7M | $6.0M |
| Diluted EPS | $0.31 | $0.26 | $0.28 | $0.17 | $0.43 | $0.45 | $0.43 | $0.34 |
| Operating cash flow | -$39.5M | $74.1M | $23.4M | $26.7M | -$38.4M | $32.7M | $3.2M | -$647,000.00 |
| Free cash flow | -$39.7M | $73.9M | $23.1M | $26.5M | -$38.5M | $32.4M | $2.6M | -$1.6M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
May 13, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-05-21 | Gerke Mark Raymond· EVP/Chief Financial Officer | Sale | 10,000 | $18.34 | $183,435.00 | filing |
| 2026-05-21 | Gerke Mark Raymond· EVP/Chief Financial Officer | Option exercise | 10,000 | $14.98 | $149,800.00 | filing |
| 2026-02-18 | Gordon Douglas S | Sale | 2,880 | $18.11 | $52,156.80 | filing |
| 2026-02-06 | Gordon Douglas S | Sale | 6,765 | $18.27 | $123,562.73 | filing |
| 2026-02-05 | Gordon Douglas S | Sale | 18,716 | $18.25 | $341,567.00 | filing |
| 2026-02-04 | Lawton Patrick S | Sale | 19,255 | $18.64 | $358,913.20 | filing |
| 2026-02-04 | Gordon Douglas S | Sale | 15,000 | $18.55 | $278,265.00 | filing |
| 2026-02-03 | Lawton Patrick S | Sale | 30,000 | $18.53 | $555,900.00 | filing |
| 2026-02-02 | Glynn Julie Ann· EVP/Chief Retail Officer | Sale | 20,000 | $18.17 | $363,412.00 | filing |
| 2026-02-02 | Glynn Julie Ann· EVP/Chief Retail Officer | Option exercise | 20,000 | $17.35 | $347,000.00 | filing |
| 2026-02-02 | Glynn Julie Ann· EVP/Chief Retail Officer | Sale | 929 | $18.69 | $17,361.62 | filing |
| 2025-10-27 | Hansen Michael L | Sale | 79,872 | $15.16 | $1.2M | filing |
| 2025-10-27 | Hansen Michael L | Sale | 1,541 | $15.16 | $23,361.56 | filing |
| 2025-08-13 | Hansen Michael L | Sale | 109,527 | $14.05 | $1.5M | filing |
| 2025-08-12 | Hansen Michael L | Sale | 35,290 | $13.92 | $491,212.10 | filing |
| 2025-08-11 | Hansen Michael L | Sale | 2,757 | $13.80 | $38,046.60 | filing |
| 2025-07-25 | Hansen Michael L | Sale | 761 | $13.81 | $10,509.41 | filing |
| 2025-07-25 | Hansen Michael L | Sale | 100 | $13.82 | $1,382.00 | filing |
| 2025-07-25 | Hansen Michael L | Sale | 100 | $13.81 | $1,380.50 | filing |
| 2025-07-24 | Hansen Michael L | Sale | 36,465 | $13.83 | $504,453.16 | filing |
Latest 20 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.