Stocktoria

Waterstone Financial, Inc. WSBF

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2005-10-05 · LEI

Waterstone Financial, Inc. financials (annual)

Revenue
2016201720182019202020212022202320242025
Net income
$25.5M $26.0M $30.8M $35.9M $81.1M $70.8M $19.5M $9.4M $18.7M $26.4M 2016201720182019202020212022202320242025
Free cash flow
-$25.1M $105.5M $37.5M -$43.3M -$94.8M $141.2M $206.0M -$28.3M $47.0M $23.0M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense——$49.0M$13.3M$14.4M$25.0M$27.5M$19.5M$16.4M$20.3M
Income tax$7.0M$5.3M$1.7M$5.0M$21.3M$27.0M$11.7M$9.5M$18.5M$16.5M
Net income$26.4M$18.7M$9.4M$19.5M$70.8M$81.1M$35.9M$30.8M$26.0M$25.5M
EPS (diluted)$1.48$1.01$0.46$0.89$2.96$3.30$1.37$1.11$0.93$0.93
Operating cash flow$24.2M$48.1M-$27.6M$206.7M$142.0M-$93.6M-$40.2M$41.5M$107.1M-$24.1M
Free cash flow$23.0M$47.0M-$28.3M$206.0M$141.2M-$94.8M-$43.3M$37.5M$105.5M-$25.1M
Cash & equivalents———————$86.1M$48.6M$47.2M
Total assets$2.3B$2.2B$2.2B$2.0B$2.2B$2.2B$2.0B$1.9B$1.8B$1.8B
Total liabilities$1.9B$1.9B$1.9B$1.7B$1.8B$1.8B$1.6B$1.5B$1.4B$1.4B
Shareholders' equity$349.4M$339.1M$344.1M$370.5M$432.8M$413.1M$393.7M$399.7M$412.1M$410.7M

Growth · year-over-year

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net income growth+41.3%+99.3%-51.9%-72.5%-12.8%+126.0%+16.7%+18.4%+1.7%+54.1%
EPS growth+46.5%+119.6%-48.3%-69.9%-10.3%+140.9%+23.4%+19.4%+0.0%+66.1%
Free cash flow growth-51.0%—-113.7%+45.8%——-215.4%-64.4%——

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.