WSBF
Waterstone Financial, Inc.
NASDAQ · Financial Services · Banks - Regional · US
$21.52
+0.77%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 162.0M | 201.6M | 199.4M | 177.0M | 171.1M |
| Cost of Revenue | 56.0M | 58.0M | 66.8M | 49.6M | 14.3M |
| Gross Profit | 106.0M | 143.6M | 132.5M | 127.3M | 156.8M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 4.0M | 5.7M | 84.6M | 87.9M | 103.5M |
| General & Admin Expense | 1.3M | 2.8M | 81.1M | 84.1M | 99.6M |
| Selling & Marketing Expense | 2.8M | 2.9M | 3.6M | 3.8M | 4.0M |
| Other Expenses | 82.1M | 104.5M | 23.9M | 28.4M | 28.8M |
| Total Operating Expenses | 86.1M | 110.2M | 108.5M | 116.3M | 132.3M |
| Cost and Expenses | 142.1M | 168.2M | 175.4M | 165.9M | 146.6M |
| Operating Income (EBIT) | 19.9M | 33.4M | 24.0M | 11.0M | 24.5M |
| Non-Operating | |||||
| Interest Income | 59.7M | 116.1M | 113.2M | 99.2M | 70.2M |
| Interest Expense | 56.3M | 59.4M | 67.0M | 49.0M | 13.3M |
| Net Interest Income | 3.3M | 56.7M | 46.2M | 50.2M | 57.0M |
| Other Non-Op Income/Expense | 18.2M | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 38.1M | 33.4M | 24.0M | 11.0M | 24.5M |
| Income Tax Expense | 8.0M | 7.0M | 5.3M | 1.7M | 5.0M |
| Bottom Line | |||||
| Net Income | 30.1M | 26.4M | 18.7M | 9.4M | 19.5M |
| Earnings from Cont. Ops | 30.1M | 26.4M | 18.7M | 9.4M | 19.5M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 30.1M | 26.4M | 18.7M | 9.4M | 19.5M |
| Per Share | |||||
| Basic EPS | $1.72 | $1.48 | $1.01 | $0.47 | $0.89 |
| Diluted EPS | $1.72 | $1.48 | $1.01 | $0.46 | $0.89 |
| Revenue Per Share | $9.40 | $11.30 | $10.74 | $8.78 | $7.82 |
| Shares | |||||
| Basic Shares Outstanding | 17.2M | 17.8M | 18.6M | 20.2M | 21.9M |
| Diluted Shares Outstanding | 17.3M | 17.9M | 18.6M | 20.2M | 22.0M |
| Profitability Metrics | |||||
| EBITDA | 21.2M | 36.0M | 26.5M | 14.3M | 28.5M |
| D&A | 1.3M | 2.5M | 2.5M | 3.3M | 4.0M |
| EBIT | 19.9M | 33.4M | 24.0M | 11.0M | 24.5M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026