Waterstone Financial, Inc.WSBFEarnings & Financial Report
Waterstone Financial, Inc. is a U.S. bank holding company headquartered in Wisconsin. It offers retail and commercial banking services, residential mortgages, and wealth management solutions, primarily serving consumers and small to medium-sized businesses across the U.S. Midwest region.
Revenue
$29.7M
Gross Profit
N/A
Operating Profit
$3.9M
Net Profit
$3.0M
Gross Margin
N/A
Operating Margin
13.1%
Net Margin
10.2%
YoY Growth
-8.4%
EPS
$0.17
Waterstone Financial, Inc. Q1 FY2025 Financial Summary
Waterstone Financial, Inc. reported revenue of $29.7M (down 8.4% YoY) for Q1 FY2025, with a net profit of $3.0M (down 0.1% YoY) (10.2% margin).
Key Financial Metrics
| Total Revenue | $29.7M |
|---|---|
| Net Profit | $3.0M |
| Gross Margin | N/A |
| Operating Margin | 13.1% |
| Report Period | Q1 FY2025 |
Waterstone Financial, Inc. Annual Revenue by Year
Waterstone Financial, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $141.9M).
| Year | Annual Revenue |
|---|---|
| 2025 | $141.9M |
| 2024 | $135.5M |
| 2023 | $50.2M |
| 2022 | $57.0M |
Waterstone Financial, Inc. Quarterly Revenue & Net Profit History
Waterstone Financial, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $37.2M | +16.7% | N/A | N/A |
| Q3 FY2025 | $37.0M | +8.7% | $7.9M | 21.4% |
| Q2 FY2025 | $38.0M | +2.3% | $7.7M | 20.3% |
| Q1 FY2025 | $29.7M | -8.4% | $3.0M | 10.2% |
| Q4 FY2024 | $31.8M | +11.2% | N/A | N/A |
| Q3 FY2024 | $34.1M | -0.4% | $4.7M | 13.9% |
| Q2 FY2024 | $37.2M | +2.7% | $5.7M | 15.4% |
| Q1 FY2024 | $32.4M | +0.1% | $3.0M | 9.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $32.4M | $37.2M | $34.1M | $31.8M | $29.7M | $38.0M | $37.0M | $37.2M |
| YoY Growth | 0.1% | 2.7% | -0.4% | 11.2% | -8.4% | 2.3% | 8.7% | 16.7% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.23B | $2.29B | $2.24B | $2.21B | $2.18B | $2.26B | $2.27B | $2.26B |
| Liabilities | $1.90B | $1.95B | $1.90B | $1.87B | $1.83B | $1.92B | $1.92B | $1.91B |
| Equity | $338.0M | $334.9M | $342.0M | $339.1M | $341.4M | $341.5M | $345.5M | $349.4M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-9.9M | $-39.5M | $74.1M | $48.1M | $26.7M | $-38.4M | $32.7M | $24.2M |