Waterstone Financial

WSBF

Market cap $328M

Waterstone Financial posts strong Q4 2025 results, with EPS up 57%, boosted by rising net interest income, loan yield expansion and a return to profitability in Mortgage Banking.

WAUWATOSA, Wisc., Jan. 28, 2026 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $7.7 million, or $0.44 per diluted share, for the quarter ended December 31, 2025 compared to $5.2 million, or $0.28 per diluted share, for the quarter ended December 31, 2024. Net income totaled $7.9 million, or $0.45 per diluted share, for the quarter ended September 30, 2025. Net income per diluted share was $1.48 for the twelve months ended December 31, 2025 compared to net income per diluted share of $1.01 for the twelve months ended December 31, 2024.

WSBF is advancing with loan growth, margin expansion, robust capital, cost efficiencies, strategic share repurchases and a focus on high-yield commercial real estate lending.

WAUWATOSA, Wis., Dec. 18, 2025 (GLOBE NEWSWIRE) -- On December 18, 2025, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share. The dividend is payable on February 2, 2026, to shareholders of record at the close of business on January 8, 2026.

Waterstone Financial (WSBF) has executed a successful turnaround, with both its banking and mortgage segments returning to growth and profitability. WSBF's dual-business model, disciplined expense management, and improved asset quality have driven a sharp rebound in earnings and efficiency ratios. Despite some uncertainty from declining interest rates, WSBF is well-positioned to benefit from sector tailwinds and continued operational improvements.

Waterstone Financial reports a 73% YoY surge in Q3 earnings, driven by higher loan yields, margin expansion, and steady asset quality despite lower mortgage originations and declining noninterest income.

WAUWATOSA, Wis., Oct. 23, 2025 (GLOBE NEWSWIRE) -- Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $7.9 million, or $0.45 per diluted share, for the quarter ended September 30, 2025 compared to $4.7 million, or $0.26 per diluted share, for the quarter ended September 30, 2024. Net income totaled $7.7 million, or $0.43 per diluted share, for the quarter ended June 30, 2025. Net income per diluted share was $1.04 for the nine months ended September 30, 2025 compared to net income per diluted share of $0.72 for the nine months ended September 30, 2024.

Waterstone Financial's rating upgrade reflects a rebound in mortgage operations, expansion of banking margins, and shareholder returns.

WAUWATOSA, Wis., Sept. 23, 2025 (GLOBE NEWSWIRE) -- On September 23, 2025, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular quarterly cash dividend of $0.15 per common share.  The dividend is payable on November 3, 2025, to shareholders of record at the close of business on October 8, 2025.

WSBF posts strong Q2 earnings, driven by robust community banking results and share repurchases, offsetting weakness in mortgage income.