WSBF · XBRL financial data
Waterstone Financial financial statements, every fiscal year
The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
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
CSVFiscal years (WSBF's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Interest expense | 25 | 14 | 13 | 49 | — | — |
| Income tax expense (benefit) | 27 | 21 | 5 | 2 | 5 | 7 |
| Net income (loss) | 81 | 71 | 19 | 9 | 19 | 26 |
| Earnings per share, basic USD per share | 3.32 | 2.98 | 0.89 | 0.47 | 1.01 | 1.48 |
| Earnings per share, diluted USD per share | 3.30 | 2.96 | 0.89 | 0.46 | 1.01 | 1.48 |
| Weighted average shares, basic millions of shares | 24 | 24 | 22 | 20 | 19 | 18 |
| Weighted average shares, diluted millions of shares | 25 | 24 | 22 | 20 | 19 | 18 |
Balance sheet
CSVFiscal years (WSBF's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 95 | 377 | 34 | 31 | 35 | 64 |
| Property and equipment, net | 24 | 22 | 21 | 20 | 19 | 19 |
| Right-of-use asset | 7 | 6 | — | — | — | — |
| Total assets | 2,185 | 2,216 | 2,032 | 2,213 | 2,210 | 2,260 |
| Total deposits | 1,185 | 1,233 | 1,199 | 1,191 | 1,360 | 1,437 |
| Total liabilities | 1,771 | 1,783 | 1,661 | 1,869 | 1,870 | 1,910 |
| Retained earnings | 245 | 273 | 274 | 270 | 277 | 293 |
| Total stockholders' equity | 413 | 433 | 370 | 344 | 339 | 349 |
| Total liabilities and equity | 2,185 | 2,216 | 2,032 | 2,213 | 2,210 | 2,260 |
| Common shares outstanding (cover page) millions of shares | 25 | 24 | 22 | 20 | 19 | 18 |
Cash flows
CSVFiscal years (WSBF's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 81 | 71 | 19 | 9 | 19 | 26 |
| Stock-based compensation | 1 | 1 | 1 | 0 | 0 | 0 |
| Depreciation and amortization | 6 | 6 | — | — | — | — |
| Net cash from operating activities | (101) | 154 | 207 | (28) | 48 | 24 |
| Purchases of property and equipment | 1 | 1 | 1 | 1 | 1 | 1 |
| Net cash from investing activities | 44 | 148 | (336) | (159) | (24) | (9) |
| Share repurchases | 36 | 10 | 48 | 26 | 15 | 16 |
| Dividends paid | 32 | 30 | 30 | 15 | 11 | 11 |
| Proceeds from long-term debt | 0 | 0 | 200 | 259 | 170 | 130 |
| Repayments of long-term debt | 0 | 0 | 470 | 304 | 175 | 90 |
| Net cash from financing activities | 77 | (20) | (201) | 177 | (21) | 16 |
| Net change in cash | 20 | 282 | (330) | (10) | 3 | 31 |
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 $10B of public float.
- * marks a quarter worked out from the filing totals: for a 10-K, the year less the first three quarters; for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Runway | Quarter |
|---|---|---|---|---|---|---|
| Waterstone Financial | 33 | not reported | 9.5* | 18.0M | — | 10-QJun 30, 2026 |
| Timberland Bancorp | 246 | not reported | 8.4* | 7.8M | — | 10-QJun 30, 2026 |
| FS Bancorp | 30 | not reported | 52* | 7.4M | — | 10-QJun 30, 2026 |
| FB Bancorp | 45 | not reported | 15* | 15.9M | — | 10-QJun 30, 2026 |
| NorthEast Community Bancorp | 73 | not reported | 13* | 13.8M | — | 10-QJun 30, 2026 |
| Ponce Financial Group | 140 | not reported | 8* | 24.2M | — | 10-QJun 30, 2026 |
| Western New England Bancorp | 38 | not reported | 6.6* | 20.0M | — | 10-QJun 30, 2026 |
| Farmers & Merchants Bancorp | 205 | not reported | 15* | 13.8M | — | 10-QSep 30, 2026 |
| Blue Foundry Bancorp | 53 | not reported | (6)* | 19.1M | 8.9 quarters | 10-KDec 31, 2025 |
Not investment advice. Not affiliated with the U.S. SEC.