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Segments

By segment

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Community Banking$7.26M+16.8%
Mortgage Banking$1.17M-20.2%

Other financials

Income statement

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Revenue$55.2M
Net income$8.5M+9.5%
EPS (diluted)$0.53

Balance sheet

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Cash & equivalents$343.0M
Total debt$483.4M
Total equity$432.8M
Total assets$2.2B

Cash flow

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

Valuation

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Market cap$376.67M+48.5%
P/E12.5×+0.3×

Profitability

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Net margin27.4%
FCF margin54.6%

Returns & leverage

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Return on equity16.7%
Debt / equity1.1×

Where this comes from

Reported directly by Waterstone Financial in its filing.

Tagged under the XBRL concept us-gaap:NetIncomeLoss.

The source filing: Waterstone Financial’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001437749-26-026246
Line itemThree months ended June 30, 2026Three months ended June 30, 2025Six months ended June 30, 2026Six months ended June 30, 2025
Total noninterest expenses29,37928,37757,25454,727
Income before income taxes10,6359,66918,18713,550
Income tax expense2,1731,9423,7282,787
Net income$8,462$7,727$14,459$10,763
Income per share:
Basic$0.49$0.43$0.84$0.59
Diluted$0.49$0.43$0.84$0.59
Weighted average shares outstanding:

Item 1. Financial Statements

FAQ

What is Waterstone Financial's net income?
Waterstone Financial (WSBF) reported net income of $8.46M in Q2 2026.
How has Waterstone Financial's net income changed year-over-year?
Waterstone Financial's net income increased by 9.5% year-over-year, from $7.73M to $8.46M.
What is the long-term trend for Waterstone Financial's net income?
Over 4 years (2021 to 2025), Waterstone Financial's net income has grown at a -21.9% compound annual growth rate (CAGR), from $70.79M to $26.4M.
What does net income mean?
Net income as the starting point for the indirect method operating cash flow reconciliation.

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