Waterstone Financial, Inc. (WSBF)
NASDAQ: WSBF · Real-Time Price · USD
14.08
-0.29 (-2.02%)
Aug 15, 2025, 4:00 PM - Market closed
Waterstone Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Interest Income on Loans | 103.93 | 103.07 | 90.15 | 62.94 | 64.37 | 72.63 | Upgrade
|
| Interest Income on Investments | 10.75 | 10.1 | 9.06 | 7.31 | 5.52 | 5.85 | Upgrade
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| Total Interest Income | 114.68 | 113.17 | 99.21 | 70.25 | 69.88 | 78.48 | Upgrade
|
| Interest Paid on Deposits | 44.19 | 40.57 | 25.74 | 4.86 | 4.42 | 14.37 | Upgrade
|
| Interest Paid on Borrowings | 19.86 | 26.43 | 23.26 | 8.43 | 9.95 | 10.62 | Upgrade
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| Total Interest Expense | 64.05 | 67 | 48.99 | 13.29 | 14.37 | 24.98 | Upgrade
|
| Net Interest Income | 50.64 | 46.17 | 50.22 | 56.95 | 55.52 | 53.5 | Upgrade
|
| Net Interest Income Growth (YoY) | 11.14% | -8.06% | -11.83% | 2.59% | 3.77% | 2.50% | Upgrade
|
| Mortgage Banking Activities | 76.95 | 83.57 | 75.69 | 99.56 | 191.04 | 233.25 | Upgrade
|
| Gain (Loss) on Sale of Assets | 0.15 | 0.15 | 0.58 | - | 4.03 | 0.6 | Upgrade
|
| Other Non-Interest Income | 5.89 | 5.59 | 4.92 | 6 | 8.13 | 10.17 | Upgrade
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| Total Non-Interest Income | 82.98 | 89.3 | 81.19 | 105.56 | 203.2 | 244.02 | Upgrade
|
| Non-Interest Income Growth (YoY) | -4.45% | 10.00% | -23.09% | -48.05% | -16.73% | 86.63% | Upgrade
|
| Revenues Before Loan Losses | 133.62 | 135.47 | 131.4 | 162.51 | 258.71 | 297.52 | Upgrade
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| Provision for Loan Losses | -0.58 | -0.17 | 0.66 | 0.97 | -3.99 | 6.34 | Upgrade
|
| Revenue | 134.2 | 135.64 | 130.74 | 161.54 | 262.7 | 291.18 | Upgrade
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| Revenue Growth (YoY) | 1.23% | 3.74% | -19.06% | -38.51% | -9.78% | 58.38% | Upgrade
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| Salaries and Employee Benefits | 75.79 | 79.34 | 82.36 | 97.09 | 132.24 | 136.65 | Upgrade
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| Occupancy Expenses | 7.12 | 7.57 | 8.32 | 8.71 | 9.61 | 10.22 | Upgrade
|
| Selling, General & Administrative | 14.86 | 14.37 | 13.84 | 13.92 | 12.94 | 19.47 | Upgrade
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| Other Non-Interest Expense | 10.79 | 10.32 | 15.18 | 17.32 | 15.8 | 16.72 | Upgrade
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| Total Non-Interest Expense | 108.55 | 111.64 | 119.71 | 137.06 | 170.59 | 183.06 | Upgrade
|
| EBT Excluding Unusual Items | 25.64 | 24 | 11.03 | 24.48 | 92.11 | 108.12 | Upgrade
|
| Pretax Income | 25.64 | 24 | 11.03 | 24.48 | 92.11 | 108.12 | Upgrade
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| Income Tax Expense | 4.94 | 5.31 | 1.66 | 4.99 | 21.32 | 26.97 | Upgrade
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| Net Income | 20.7 | 18.69 | 9.38 | 19.49 | 70.79 | 81.15 | Upgrade
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| Net Income to Common | 20.7 | 18.69 | 9.38 | 19.49 | 70.79 | 81.15 | Upgrade
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| Net Income Growth | 73.04% | 99.34% | -51.89% | -72.47% | -12.76% | 126.01% | Upgrade
|
| Basic Shares Outstanding | 18 | 19 | 20 | 22 | 24 | 24 | Upgrade
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| Diluted Shares Outstanding | 18 | 19 | 20 | 22 | 24 | 25 | Upgrade
|
| Shares Change (YoY) | -5.13% | -7.96% | -8.24% | -8.03% | -2.75% | -6.25% | Upgrade
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| EPS (Basic) | 1.14 | 1.01 | 0.47 | 0.89 | 2.98 | 3.32 | Upgrade
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| EPS (Diluted) | 1.13 | 1.01 | 0.46 | 0.89 | 2.96 | 3.30 | Upgrade
|
| EPS Growth | 82.58% | 118.94% | -48.32% | -69.93% | -10.30% | 140.88% | Upgrade
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| Dividend Per Share | 0.600 | 0.600 | 0.700 | 0.800 | 0.800 | 0.560 | Upgrade
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| Dividend Growth | - | -14.29% | -12.50% | - | 42.86% | 16.67% | Upgrade
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| Effective Tax Rate | 19.27% | 22.14% | 15.02% | 20.39% | 23.14% | 24.95% | Upgrade
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Updated Jul 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.