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Stocks · Financials · Savings Institution, Federally Chartered

Waterstone Financial, Inc.

WSBF Clue Score36
United States Fiscal year ends December CIK 0001569994
$19.48 -0.51% Close, 9 Oct 2026
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Price $19.48 −4.65% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income25.5EPS, diluted0.93Fiscal year 2017Net income26.0 +1.7%EPS, diluted0.93 +0.0%Fiscal year 2018Net income30.8 +18.4%EPS, diluted1.11 +19.4%Fiscal year 2019Net income35.9 +16.7%EPS, diluted1.37 +23.4%Fiscal year 2020Net income81.1 +126.0%EPS, diluted3.30 +140.9%Fiscal year 2021Net income70.8 −12.8%EPS, diluted2.96 −10.3%Fiscal year 2022Net income19.5 −72.5%EPS, diluted0.89 −69.9%Fiscal year 2023Net income9.4 −51.9%EPS, diluted0.46 −48.3%Fiscal year 2024Net income18.7 +99.3%EPS, diluted1.01 +119.6%Fiscal year 2025Net income26.4 +41.3%EPS, diluted1.48 +46.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 25.5 26.0 30.8 35.9 81.1 70.8 19.5 9.4 18.7 26.4
Growth +1.7% +18.4% +16.7% +126.0% −12.8% −72.5% −51.9% +99.3% +41.3%
EPS, diluted 0.93 0.93 1.11 1.37 3.30 2.96 0.89 0.46 1.01 1.48
Growth +0.0% +19.4% +23.4% +140.9% −10.3% −69.9% −48.3% +119.6% +46.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow−24.1Capital expenditure−1.1Free cash flow−25.1Buybacks−3.9Dividends paid−6.9Fiscal year 2017Operating cash flow107.1Capital expenditure−1.6Free cash flow105.5Buybacks−2.2Dividends paid−27.0Fiscal year 2018Operating cash flow41.5Capital expenditure−4.0Free cash flow37.5 −64.4%Buybacks−19.2Dividends paid−27.1Fiscal year 2019Operating cash flow−40.2Capital expenditure−3.1Free cash flow−43.3 −215.4%Buybacks−22.8Dividends paid−26.0Fiscal year 2020Operating cash flow−93.6Capital expenditure−1.2Free cash flow−94.8Buybacks−36.2Dividends paid−31.5Fiscal year 2021Operating cash flow142.0Capital expenditure−0.8Free cash flow141.2Buybacks−10.2Dividends paid−30.4Fiscal year 2022Operating cash flow206.7Capital expenditure−0.7Free cash flow206.0 +45.8%Buybacks−47.8Dividends paid−30.3Fiscal year 2023Operating cash flow−27.6Capital expenditure−0.7Free cash flow−28.3 −113.7%Buybacks−26.0Dividends paid−15.4Fiscal year 2024Operating cash flow48.1Capital expenditure−1.1Free cash flow47.0Buybacks−14.9Dividends paid−11.3Fiscal year 2025Operating cash flow24.2Capital expenditure−1.2Free cash flow23.0 −51.0%Buybacks−16.2Dividends paid−10.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −24.1 107.1 41.5 −40.2 −93.6 142.0 206.7 −27.6 48.1 24.2
Capital expenditure −1.1 −1.6 −4.0 −3.1 −1.2 −0.8 −0.7 −0.7 −1.1 −1.2
Free cash flow −25.1 105.5 37.5 −43.3 −94.8 141.2 206.0 −28.3 47.0 23.0
Growth −64.4% −215.4% +45.8% −113.7% −51.0%
Buybacks −3.9 −2.2 −19.2 −22.8 −36.2 −10.2 −47.8 −26.0 −14.9 −16.2
Dividends paid −6.9 −27.0 −27.1 −26.0 −31.5 −30.4 −30.3 −15.4 −11.3 −10.8

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash47.2Total debt387.2Net cash (debt)−339.9Shareholders’ equity410.7Debt to equity0.94Fiscal year 2017Cash48.6Total debt386.3Net cash (debt)−337.7Shareholders’ equity412.1Debt to equity0.94Fiscal year 2018Cash86.1Total debt435.0Net cash (debt)−348.9Shareholders’ equity399.7Debt to equity1.09Fiscal year 2019Cash74.3Total debt483.6Net cash (debt)−409.3Shareholders’ equity393.7Debt to equity1.23Fiscal year 2020Cash94.8Total debt508.1Net cash (debt)−413.3Shareholders’ equity413.1Debt to equity1.23Fiscal year 2021Cash376.7Total debt477.1Net cash (debt)−100.4Shareholders’ equity432.8Debt to equity1.10Fiscal year 2022Total debt386.8Shareholders’ equity370.5Debt to equity1.04Fiscal year 2023Total debt611.1Shareholders’ equity344.1Debt to equity1.78Fiscal year 2024Total debt446.5Shareholders’ equity339.1Debt to equity1.32Fiscal year 2025Total debt412.3Shareholders’ equity349.4Debt to equity1.18
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 47.2 48.6 86.1 74.3 94.8 376.7 n/a n/a n/a n/a
Total debt 387.2 386.3 435.0 483.6 508.1 477.1 386.8 611.1 446.5 412.3
Net cash (debt) −339.9 −337.7 −348.9 −409.3 −413.3 −100.4 n/a n/a n/a n/a
Shareholders’ equity 410.7 412.1 399.7 393.7 413.1 432.8 370.5 344.1 339.1 349.4
Debt to equity 0.94 0.94 1.09 1.23 1.23 1.10 1.04 1.78 1.32 1.18

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
39.2% 41.6% 23.6% 24.5% 24.9% 23.1% 20.4% 15.0% 22.1% 21.1%
Returns
6.2% 6.3% 7.7% 9.1% 19.6% 16.4% 5.3% 2.7% 5.5% 7.6%
1.4% 1.4% 1.6% 1.8% 3.7% 3.2% 1.0% 0.4% 0.8% 1.2%
Balance and payout
0.94 0.94 1.09 1.23 1.23 1.10 1.04 1.78 1.32 1.18
77.1% 77.2% 79.1% 80.3% 81.1% 80.5% 81.8% 84.5% 84.7% 84.5%
27.1% 103.8% 88.0% 72.3% 38.8% 42.9% 155.3% 163.9% 60.3% 40.8%
n/a 27.6% 123.2% n/a n/a 28.7% 37.9% n/a 55.8% 117.2%