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Waterstone Financial, Inc.

WSBF

$20.84 ▼ -0.03 (-0.14%) at close

16 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Moderately Bullish

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Analytical Summary

Waterstone Financial, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $371.7M

Dividend Yield 2.88%

Revenue Growth 4.8% ↗

Op. Margin 23.6% ↗

ROIC None

FCF / Share None

Trailing P/E 14.1x

Price / Book 1.1x

FCF Yield —

Debt / Equity 1.18

info Valuation on last close. End-of-day price, Aug 7, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$141.92M

↑ +4.8% —

Net Income Profit after all expenses

$26.40M

↑ +41.3% —

Operating Margin Operating profit as % of sales

23.6%

↑ +33.0% 80th

Long-Term Debt Long-term obligations

$412.26M

↓ -7.7% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

+0.0% YoY

-7.9% 7-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

$0.98

FY 2019

$1.36

FY 2020

$1.80

FY 2021

$0.80

FY 2022

$0.70

FY 2023

$0.60

FY 2024

$0.60

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue Growth YoY (%)	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	3.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	-19.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-419%)	-37.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-720%)	-13.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-317%)	62.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+944%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-1.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-126%)	3.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	18.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+208%)	13.9% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+131%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	-4.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-177%)	48.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+706%)	—	—
EPS Growth YoY (%)	46.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	114.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-47.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-70.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	140.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	23.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	17.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	1.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	64.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-57.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	41.3% Excellent ↑ Excellent Improving Year-over-year change in net income	99.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-51.9% Weak ↓ Weak Declining Year-over-year change in net income	-72.5% Weak ↓ Weak Declining Year-over-year change in net income	-12.8% Weak ↓ Weak Declining Year-over-year change in net income	126.0% Excellent ↑ Excellent Improving Year-over-year change in net income	16.7% Good ↓ Good Declining Year-over-year change in net income	18.4% Good ↓ Good Declining Year-over-year change in net income	1.7% Caution ↓ Caution Declining Year-over-year change in net income	54.1% Excellent ↑ Excellent Improving Year-over-year change in net income	30.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.4% Weak Weak Year-over-year change in net income	-57.9% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-4.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-19.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-23.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	14.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	19.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	2.5% Caution Caution Compound annual revenue growth over 3 years	11.9% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-13.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-5.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-5.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.6% Fair Fair Compound annual revenue growth over 5 years	13.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	18.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-30.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-47.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	38.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	51.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	25.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	35.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	29.8% Excellent Excellent Compound annual EPS growth over 3 years	-17.6% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Operating Margin (%) (%)	23.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	17.7% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	8.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	15.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	35.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	36.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	21.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	13.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	7.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	12.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	27.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	19.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	17.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	14.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	15.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	11.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	10.1% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	11.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	26.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	-8.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	5.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	5.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	16.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	19.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+64%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	17.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+44%)	-4.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-137%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Debt to Equity (x)	1.18x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.32x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+10%)	2.20x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+84%)	1.05x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-13%)	1.10x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.09x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	0.94x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	0.94x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	1.14x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.96x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-20%)	2.12x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+77%)	2.37x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+97%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue per Share (USD)	$7.96	$7.30	$6.52	$7.43	$10.90	$12.16	$7.03	$6.30	$6.38	$6.28	$4.91	$3.77	$3.72	$3.91	$2.64	—
Basic EPS, GAAP (USD)	$1.48	$1.01	$0.47	$0.89	$2.98	$3.32	$1.38	$1.12	$0.95	$0.94	$0.57	$0.38	$0.43	$1.02	$-0.22	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$0.60	$0.70	$0.80	$1.80	$1.36	$0.98	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$19.03	$17.53	$16.94	$16.71	$17.45	$16.47	$14.50	$14.04	$13.97	$13.95	$13.33	$13.08	$6.84	$6.46	$4.90	—
Tangible Book Value per Share (USD)	$19.03	$17.53	$16.94	$16.71	$17.45	$16.47	$14.50	$14.04	$13.97	$13.95	$13.33	$13.08	$6.84	$6.46	$4.90	—
Basic Weighted Avg Shares (shares)	17.84M	18.56M	20.16M	21.88M	23.74M	24.46M	26.02M	27.36M	27.47M	27.04M	29.16M	33.41M	34.19M	34.08M	33.94M	—
Dividend Payout Ratio (%)	40.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	59.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	148.9% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	89.9% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$412.26M	$446.52M	$611.05M	$386.78M	$477.13M	$508.07M	$483.56M	$435.05M	$386.29M	$387.15M	$441.20M	$434.00M	$434.00M	$434.00M	—	—
Total Equity (USD)	$349.39M	$339.13M	$344.06M	$370.49M	$432.77M	$413.12M	$393.69M	$399.68M	$412.10M	$410.69M	$391.93M	$450.24M	$214.47M	$202.63M	$166.37M	$172.22M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Sales/Revenue/Turnover (USD)	$141.92M	$135.47M	$131.40M	$162.51M	$258.71M	$297.52M	$182.95M	$172.38M	$175.15M	$169.81M	$143.32M	$125.88M	$127.00M	$133.15M	$89.75M	—
Depreciation Expense (USD)	$1.60M	$1.60M	$1.70M	$1.80M	$6.05M	$5.61M	$4.70M	$2.30M	$2.05M	$2.62M	$3.11M	$3.28M	$2.72M	$2.08M	$1.84M	—
Net Income, GAAP (USD)	$26.40M	$18.69M	$9.38M	$19.49M	$70.79M	$81.14M	$35.90M	$30.75M	$25.96M	$25.53M	$16.57M	$12.73M	$14.71M	$34.91M	$-7.47M	—
Operating Cash Flow (USD)	$24.18M	$48.06M	$-27.58M	$206.66M	$154.45M	$-93.58M	$-40.22M	$42.94M	$107.10M	$-24.06M	$-12.99M	$-2.22M	$52.28M	$-8.14M	$35.09M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.1%	2.3%	2.8%	2.5%	2.4%	2.6%	2.8%	2.8%	2.4%	2.2%	2.3%	2.0%	2.5%	2.7%	—
Efficiency Ratio (%) (%)	77.4%	82.4%	91.1%	84.3%	65.9%	61.5%	74.5%	77.2%	75.3%	75.0%	80.6%	83.3%	78.1%	76.7%	83.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 16 years · 57 quarters

Waterstone Financial, Inc.

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16-Year Financial Trajectory

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