WSBF
Waterstone Financial IncNASDAQ
Financial Services • Banks - Regional
Factor tilt: Small-Cap Blend
$19.86-1.00%
Close Nov 6, 2026
- Market cap
- $343.74M
- 1 month
- +1.4%
- 3 months
- -3.5%
- 1 year
- +29.0%
- 52-week range
- $15.19$21.52
- Dividend, last 12 mo
- $0.66 · 3.32% yield
- Last ex-date
- Oct 8, 2026 · $0.17
- Short interest
- 440.6K sharessettled Oct 15, 2026 · +17.5% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Jun 30, 2026
- Revenue
- $162.01M
- Net income
- $30.1M
- Free cash flow
- —
- Book value
- $351.13M
- Total debt
- —
- P/E
- 11.4×
- Price / sales
- 2.1×
- Price / book
- 1×
- FCF yield
- —
- Net margin
- +18.6%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About Waterstone Financial Inc
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking.
Read more
The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities comprising mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
- Website
- wsbonline.com
- Headquarters
- Wauwatosa, WI, United States
- Employees
- 593
- Listed
- Oct 5, 2005
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 25, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier. Gross margin and operating income are not shown for a bank or insurer.
| Quarter | Revenue | YoY | Net income |
|---|---|---|---|
| Jun 2026filed Aug 6, 2026 | $7.3M | -86.0% | $8.5M |
| Mar 2026filed May 7, 2026 | $49.2M | +12.1% | $6.0M |
| Dec 2025filed Feb 26, 2026 | $54.3M | +14.2% | $7.7M |
| Sep 2025filed Nov 6, 2025 | $51.2M | +0.2% | $7.9M |
| Jun 2025filed Aug 7, 2025 | $52.2M | -2.7% | $7.7M |
| Mar 2025filed May 8, 2025 | $43.9M | -6.7% | $3.0M |
| Dec 2024filed Feb 28, 2025 | $47.6M | +11.1% | $5.2M |
| Sep 2024filed Nov 4, 2024 | $51.0M | +6.6% | $4.7M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Net income |
|---|---|---|---|
| Dec 2025filed Feb 26, 2026 | $201.6M | +1.1% | $26.4M |
| Dec 2024filed Feb 28, 2025 | $199.4M | +12.7% | $18.7M |
| Dec 2023filed Mar 6, 2024 | $177.0M | +3.5% | $9.4M |
| Dec 2022filed Feb 28, 2023 | $171.1M | -36.3% | $19.5M |
| Dec 2021filed Feb 28, 2022 | $268.5M | -15.5% | $70.8M |
| Dec 2020filed Mar 2, 2021 | $317.9M | +53.4% | $81.1M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched WSBF. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
440,566 shares short
+65,509 shares (+17.5%) vs Sep 30, 2026
Share of float unavailable. Published Oct 26, 2026.
Settlement Sep 30, 2026
375,057 shares short
-45,668 shares (-10.9%) vs Sep 15, 2026
Share of float unavailable. Published Oct 9, 2026.
Settlement Sep 15, 2026
420,725 shares short
-11,459 shares (-2.7%) vs Aug 31, 2026
2.8% of the stored float. Published Sep 24, 2026.
Settlement Aug 31, 2026
432,184 shares short
+36,069 shares (+9.1%) vs Aug 14, 2026
2.9% of the stored float. Published Sep 10, 2026.
Settlement Aug 14, 2026
396,115 shares short
+69,216 shares (+21.2%) vs Jul 31, 2026
2.7% of the stored float. Published Aug 25, 2026.
Settlement Jul 31, 2026
326,899 shares short
+9,753 shares (+3.1%) vs Jul 15, 2026
2.2% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind WSBF’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
USD 0.17 per share
Ex-dividend date: Oct 8, 2026
Recorded pay date: Nov 2, 2026 (past date)
Cash dividend · Polygon event record
USD 0.17 per share
Ex-dividend date: Jul 8, 2026
Recorded pay date: Aug 3, 2026 (past date)
Cash dividend · Polygon event record
USD 0.17 per share
Ex-dividend date: Apr 8, 2026
Recorded pay date: May 1, 2026 (past date)
Cash dividend · Polygon event record
USD 0.15 per share
Ex-dividend date: Jan 8, 2026
Recorded pay date: Feb 2, 2026 (past date)
Cash dividend · Polygon event record
USD 0.15 per share
Ex-dividend date: Oct 8, 2025
Recorded pay date: Nov 3, 2025 (past date)
Cash dividend · Polygon event record
USD 0.15 per share
Ex-dividend date: Jul 8, 2025
Recorded pay date: Aug 1, 2025 (past date)
Cash dividend · Polygon event record
1 conflicting dividend event is omitted; an amount or date could not be resolved.
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
Split history is unavailable right now.
1 conflicting split date is omitted; the ratio could not be resolved.
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
16 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Sep 22, 2026
Smart-money 13F trend: accumulating (light)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: bearish
Last trade: sell 82 days ago
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bearish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 0
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bearish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
123 filers reported a long position in WSBF for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
67.2%
of the 9.8M shares 13-F filers reported
Moves vs Q1 2026
8 added2 trimmed
Net shares held
+3.6%
across the 10 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | BlackRock, Inc. | $34M · 1.6M shares | 1.6M | +9% |
| 2 | DIMENSIONAL FUND ADVISORS LP | $29.4M · 1.4M shares | 1.4M | +0.3% |
| 3 | RENAISSANCE TECHNOLOGIES LLC | $21.8M · 1.1M shares | 1.1M | -3.9% |
| 4 | VANGUARD CAPITAL MANAGEMENT LLC | $13.3M · 641K shares | 641K | -8.5% |
| 5 | STATE STREET CORP | $8.3M · 398.4K shares | 398.4K | +1% |
| 6 | GEODE CAPITAL MANAGEMENT, LLC | $8.1M · 388.5K shares | 388.5K | +5.9% |
| 7 | AMERICAN CENTURY COMPANIES INC | $7.1M · 342K shares | 342K | +36.7% |
| 8 | AQR CAPITAL MANAGEMENT LLC | $5.4M · 259.1K shares | 259.1K | +15.3% |
| 9 | CSM Advisors, LLC | $4.6M · 221.1K shares | 221.1K | +16.3% |
| 10 | BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4.4M · 211.4K shares | 211.4K | +3.1% |
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