Shareholder returns
- Dividends have been paid for 11 consecutive years, consuming 40.8% of earnings and 46.8% of free cash flow.
- The dividend has declined 19.3% per year over the past 5 years.
WSBF Financials Waterstone Financial, Inc.
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | — | $26M | — | — | $23M | $412M | — |
| 2024 | — | $19M | — | — | $47M | $447M | — |
| 2023 | — | $9M | — | — | -$28M | $758M | — |
| 2022 | — | $19M | — | — | $206M | $388M | — |
| 2021 | — | $71M | — | — | $141M | $477M | $377M |
| 2020 | — | $81M | — | — | -$95M | $537M | $95M |
| 2019 | — | $36M | — | — | -$43M | $484M | $74M |
| 2018 | — | $31M | — | — | $38M | $435M | $86M |
| 2017 | — | $26M | — | — | $106M | $386M | $49M |
| 2016 | — | $26M | — | — | -$25M | $395M | $47M |
| 2015 | — | $17M | — | — | -$16M | $448M | — |
| 2014 | — | $13M | — | — | -$4M | $434M | — |
| 2013 | — | $15M | — | — | $47M | $455M | — |
| 2012 | — | $35M | — | — | -$10M | $455M | — |
| 2011 | — | -$7M | — | — | $34M | — | — |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | — | $6M | — | — | -$2M | $413M | — |
| Dec '25 | — | $8M | — | — | $3M | $412M | — |
| Sep '25 | — | $8M | — | — | $32M | $469M | — |
| Jun '25 | — | $8M | — | — | -$39M | $466M | — |
| Mar '25 | — | $3M | — | — | $26M | $396M | — |
| Dec '24 | — | $5M | — | — | $23M | $447M | — |
| Sep '24 | — | $5M | — | — | $74M | $697M | — |
| Jun '24 | — | $6M | — | — | -$40M | $806M | — |
| Mar '24 | — | $3M | — | — | -$10M | $780M | — |
| Dec '23 | — | -$40000 | — | — | -$1M | $758M | — |
| Sep '23 | — | $3M | — | — | $48M | $691M | — |
| Jun '23 | — | $4M | — | — | -$40M | $615M | — |
| Mar '23 | — | $2M | — | — | -$35M | $502M | — |
| Dec '22 | — | $935000 | — | — | $71M | $388M | — |
| Sep '22 | — | $5M | — | — | $17M | $320M | — |
| Jun '22 | — | $8M | — | — | -$25M | $281M | — |
| Mar '22 | — | $5M | — | — | $142M | $326M | — |
| Dec '21 | — | $13M | — | — | $31M | $477M | $377M |
| Sep '21 | — | $19M | — | — | $47M | $475M | $359M |
| Jun '21 | — | $18M | — | — | $17M | $475M | $229M |
Valuation over time
How the market has priced WSBF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 14.0× (Mar '23) to 13.8× (Jun '26).
- The dividend yield has fallen from 11.1% (Mar '23) to 3.0% (Jun '26).
P/E
Dividend yield %
Frequently asked questions
Is WSBF growing its revenue and profit?
See the revenue and net-income charts above for Waterstone Financial, Inc.'s multi-year trend.
How much debt does WSBF have?
As of FY2025, Waterstone Financial, Inc. reported $412M of total debt against — of cash.
What is WSBF's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is WSBF's P/E ratio?
As of Jun '26, Waterstone Financial, Inc. traded at a price-to-earnings ratio of about 13.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.