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WSBF · XBRL financial data

Waterstone Financial financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

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How these numbers work
  • Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
  • Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
  • * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
  • 0 means a filing states zero; a dash (—) means no filing states that number.
  • “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
  • Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
  • Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
  • Shares outstanding come from each filing's cover page, as of the date printed there.
  • Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

CSV

Fiscal quarters (WSBF's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Interest expense1415*16—————————
Income tax expense (benefit)1(1)*2111*1222*22
Net income (loss)3(0)*3655*3888*68
Earnings per share, basic USD per share0.160.00*0.160.310.260.28*0.170.430.450.44*0.350.49
Earnings per share, diluted USD per share0.160.00*0.160.310.260.28*0.170.430.450.44*0.340.49
Weighted average shares, basic millions of shares2019*19191818*18181817*1717
Weighted average shares, diluted millions of shares2019*19191818*18181818*1717

Balance sheet

CSV

Fiscal quarters (WSBF's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Cash and cash equivalents563141363635376350643933
Property and equipment, net202020201919191919191919
Total assets2,2212,2132,2352,2902,2442,2102,1752,2572,2692,2602,2512,253
Total deposits1,2051,1911,2001,2241,2641,3601,3811,3851,3861,4371,4391,421
Total liabilities1,8751,8691,8971,9551,9021,8701,8341,9151,9241,9101,9031,902
Retained earnings273270270273275277278283288293296302
Total stockholders' equity346344338335342339341341345349348351
Total liabilities and equity2,2212,2132,2352,2902,2442,2102,1752,2572,2692,2602,2512,253
Common shares outstanding (cover page) millions of shares212020191919191918181818

Cash flows

CSV

Fiscal quarters (WSBF's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Net income (loss)3(0)*3655*3888*68
Stock-based compensation0*0*00*0*0*00*0*(0)*00*
Net cash from operating activities45*(1)*(10)(40)*74*23*27(38)*33*3*(1)10*
Purchases of property and equipment0*0*00*0*0*00*0*1*10*
Net cash from investing activities(32)*(14)*(0)(14)*(17)*7*17(6)*(56)*37*(16)1*
Share repurchases7*6*56*1*3*36*4*3*44*
Dividends paid4*3*33*3*3*33*3*3*33*
Proceeds from long-term debt59*85*3060*60*20*8020*30*0*8320*
Repayments of long-term debt95*89*5095*0*30*400*30*20*3050*
Net cash from financing activities(12)*(10)*1949*(57)*(32)*(40)72*6*(23)*(10)(17)*
Net change in cash1*(26)*9(4)*0*(2)*428*(17)*17*(26)(6)*

Compare with peers

SIC 6035 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen
  • SIC 6035 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
  • Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
  • Runway shows only for companies burning cash with under $10B of public float.
  • * marks a quarter worked out from the filing totals: for a 10-K, the year less the first three quarters; for a 10-Q, the year-to-date total less the earlier one.
  • A cell reading “not reported” means the filings give no figure for that quarter alone.
CompanyCash ($M)Revenue, quarter ($M)Operating cash flow, quarter ($M)Shares outstandingRunwayQuarter
Waterstone Financial33not reported9.5*18.0M— 10-QJun 30, 2026
Timberland Bancorp246not reported8.4*7.8M— 10-QJun 30, 2026
FS Bancorp30not reported52*7.4M— 10-QJun 30, 2026
FB Bancorp45not reported15*15.9M— 10-QJun 30, 2026
NorthEast Community Bancorp73not reported13*13.8M— 10-QJun 30, 2026
Ponce Financial Group140not reported8*24.2M— 10-QJun 30, 2026
Western New England Bancorp38not reported6.6*20.0M— 10-QJun 30, 2026
Farmers & Merchants Bancorp205not reported15*13.8M— 10-QSep 30, 2026
Blue Foundry Bancorp53not reported(6)*19.1M8.9 quarters 10-KDec 31, 2025

Not investment advice. Not affiliated with the U.S. SEC.