Waterstone Financial, Inc. financials

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WSBF CIK 0001569994

Source: EDGAR filings · Built 2026-06-02T04:25:13Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 23.02M 46.96M -28.28M 205.96M 141.23M -94.81M
Net Debt 348.70M 411.34M 727.44M 353.08M 140.38M 488.02M
Return on Equity (ROE) 7.56% 5.51% 2.72% 5.26% 16.36% 19.64%
Return on Assets (ROA) 1.17% 0.85% 0.42% 0.96% 3.19% 3.71%
Debt-to-Equity 1.18× 1.32× 2.20× 1.04× 1.12× 1.32×
Effective Tax Rate 21.06% 22.14% 15.02% 20.39% 23.14% 24.95%
Cash Conversion Ratio 0.92× 2.57× -2.94× 10.61× 2.01× -1.15×
Accruals Ratio 0.00× -0.01× 0.02× -0.09× -0.03× 0.08×
CapEx Coverage 20.76× 43.73× -39.40× 294.81× 182.53× -76.39×
Free Cash Flow Per Share $1.29 $2.53 $-1.40 $9.36 $5.90 $-3.85

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 11.18× 13.31× 30.87× 19.37× 7.39× 5.70×
P/FCF 12.85× 5.32× — 1.84× 3.70× —
FCF Yield 7.78% 18.80% — 54.28% 27.00% —
P/B 0.87× 0.77× 0.84× 1.03× 1.25× 1.14×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 7.04M 5.31M 1.66M 4.99M 21.32M 26.97M
Net Income (Loss) Attributable to Parent 26.40M 18.69M 9.38M 19.49M 70.79M 81.14M
Earnings Per Share, Basic $1.48 $1.01 $0.47 $0.89 $2.98 $3.32
Weighted Average Number of Shares Outstanding, Basic 17.84M 18.56M 20.16M 21.88M 23.74M 24.46M
Earnings Per Share, Diluted $1.48 $1.01 $0.46 $0.89 $2.96 $3.30
Weighted Average Number of Shares Outstanding, Diluted 17.87M 18.59M 20.20M 22.01M 23.93M 24.61M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Assets 2.26B 2.21B 2.21B 2.03B 2.22B 2.18B
Long-term Debt 412.26M 446.52M 611.05M 386.78M 477.13M 508.07M
Liabilities 1.91B 1.87B 1.87B 1.66B 1.78B 1.77B
Stockholders' Equity Attributable to Parent 349.39M 339.13M 344.06M 370.49M 432.77M 413.12M
Common Stock, Shares, Outstanding 18.36M 19.34M 20.31M 22.17M 24.80M 25.09M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 24.18M 48.06M -27.58M 206.66M 142.01M -93.58M
Payments to Acquire Property, Plant, and Equipment 1.17M 1.10M 700.00K 701.00K 778.00K 1.23M
Net Cash Provided by (Used in) Investing Activities -8.74M -23.96M -159.22M -335.74M 160.06M 37.19M
Payments for Repurchase of Common Stock 16.21M 14.91M 26.03M 47.83M 10.18M 36.24M
Net Cash Provided by (Used in) Financing Activities 15.91M -20.76M 176.58M -201.00M -20.12M 76.86M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (WSBF CIK 0001569994), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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