Waterstone Financial, Inc. (WSBF)

Nasdaq: WSBF · Savings Institution, Federally Chartered · Wauwatosa, WI · filing with the SEC since 2013

Grade5.4

◀ Past 4.7● Present 6.0▶ Future 5.8

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 26, 2026	Feb 28, 2025	Mar 6, 2024	Feb 28, 2023	Feb 28, 2022	Mar 2, 2021	Mar 13, 2020	Mar 6, 2019	Mar 6, 2018	Mar 3, 2017
For lenders
Interest and dividend income	116,108	113,168	99,208	70,245	69,883	78,484	79,741	73,700	67,095	63,736
Interest expense on deposits and borrowings	59,374	67,000	48,993	13,291	·	·	·	·	·	·
Net interest income	56,734	46,168	50,215	56,954	55,515	53,500	52,197	54,177	50,733	43,444
Provision for credit losses	-1,394	-168	656	968	-3,990	6,340	-900	-1,060	-1,166	380
Net interest income after provision	58,128	46,336	49,559	55,986	59,505	47,160	53,097	55,237	51,899	43,064
Noninterest income	85,187	89,302	81,185	105,555	203,195	244,017	130,750	118,199	124,413	126,365
Noninterest expense	109,870	111,636	119,712	137,062	170,594	183,061	136,273	133,156	131,879	127,435
Interest expense	·	·	48,993	13,291	14,368	24,984	27,544	19,523	16,362	20,292
Income before income taxes	33,445	24,002	11,032	24,479	92,106	108,116	47,574	40,280	44,433	41,994
Income tax expense	7,043	5,314	1,657	4,992	21,315	26,971	11,671	9,526	18,469	16,462
Net income including non-controlling interests	·	·	·	·	70,791	81,145	35,903	30,754	25,964	25,532
Net income	26,402	18,688	9,375	19,487	70,791	81,145	35,903	30,754	25,964	25,532
Net income to common shareholders	·	·	·	·	·	·	·	30,754	25,964	25,517
Earnings per share, basic	1.48	1.01	0.47	0.89	2.98	3.32	1.38	1.12	0.95	0.94
Earnings per share, diluted	1.48	1.01	0.46	0.89	2.96	3.30	1.37	1.11	0.93	0.93
Weighted average shares, basic	17,837	18,556	20,158	21,884	23,741	24,464	26,021	27,363	27,467	27,037
Weighted average shares, diluted	17,867	18,589	20,196	22,010	23,931	24,607	26,247	27,634	27,899	27,374

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton WSBF · research, not advice