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Waterstone Financial WSBF Community Banking — Interest Income Expense Net

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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$374.64M+43.9%
P/E12.5×-0.1×

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:InterestIncomeExpenseNet.

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 itemCommunity / BankingMortgage / BankingHolding / Company and / OtherConsolidated
Net interest income$15,830$164$16$16,010
Provision (credit) for credit losses248(12)-236
Net interest income after provision (credit) for credit losses15,5821761615,774
Noninterest income:2,02022,363(143)24,240
Noninterest expenses:
Compensation, payroll taxes, and other employee benefits5,61216,565(203)21,974
Occupancy, office furniture and equipment942628-1,570
Advertising251476-727

Item 1. Financial Statements

FAQ

What is Waterstone Financial's community banking — interest income expense net?
Waterstone Financial (WSBF) reported community banking — interest income expense net of $15.83M in Q2 2026.
How has Waterstone Financial's community banking — interest income expense net changed year-over-year?
Waterstone Financial's community banking — interest income expense net increased by 16.1% year-over-year, from $13.64M to $15.83M.
What is the long-term trend for Waterstone Financial's community banking — interest income expense net?
Over 4 years (2021 to 2025), Waterstone Financial's community banking — interest income expense net has grown at a 0.1% compound annual growth rate (CAGR), from $56.05M to $56.18M.
What does community banking — interest income expense net mean?
This represents the net interest income generated by the community banking segment after accounting for interest expenses on deposits and borrowings. It serves as a primary indicator of the segment's core profitability derived from its lending and deposit-taking activities.

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