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Waterstone Financial

WSBF

Waterstone Financial, Inc. is a bank holding company that operates through its community banking and mortgage banking subsidiaries.

Market cap
$376.67M+48.5%
Net income$30.1M+45.4%
Free cash flow$42.8M-49.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$65.8M
EPS estimate$0.66

Financials

Q2 2026

Income statement

See full
Net income$8.5M+9.5%

Cash flow

See full
Operating cash flow$9.5M+125%
CapEx$136.0K+131%
Free cash flow$9.4M+124%

Competitors

Profile

Waterstone Financial, Inc. is a bank holding company that operates through its community banking and mortgage banking subsidiaries. The company provides a range of consumer and commercial financial services, including deposit accounts, residential and commercial real estate lending, and nationwide mortgage origination. Its core value proposition centers on maintaining a strong community bank presence in Wisconsin while operating a significant mortgage banking platform across multiple states.

Competitive position

A leading community bank in the Milwaukee metropolitan market with a significant national mortgage origination footprint.

GeographiesUnited States, Wisconsin, Florida, New Mexico, Texas
Customer segmentsRetail, Commercial, SME
Business modelInterest income, Transaction fees, Mortgage banking gain-on-sale
SuppliersFederal Home Loan Bank of Chicago, Retail and brokered depositors, Secondary mortgage market investors, Technology and core banking system providers
CustomersResidential homebuyers, Commercial real estate developers, Small business owners, Secondary market loan purchasers (Fannie Mae, Freddie Mac)
Listed2005
Employees698.0
CEOWilliam F. Bruss
FilingsSEC EDGAR

FAQ

What is Waterstone Financial's market cap?
Waterstone Financial (WSBF) has a market capitalization of $376.7M and trades on NASDAQ.
Who are Waterstone Financial's competitors?
Waterstone Financial's key competitors include Associated Banc-Corp, Wintrust Financial Corporation, Rocket Companies, Inc., and others. These companies compete in similar markets and product categories.
Who does Waterstone Financial partner with?
Waterstone Financial's notable partners include Federal Home Loan Bank of Chicago, Fannie Mae, Freddie Mac, and others.
What subsidiaries does Waterstone Financial have?
Waterstone Financial's subsidiaries include WaterStone Bank SSB, Waterstone Mortgage Corporation, Wauwatosa Investments, Inc., and others.
Where is Waterstone Financial headquartered?
Waterstone Financial is headquartered in United States of America and employs approximately 698 people. It has been publicly traded since 2005.