NASDAQ · Financial Statements

Waterstone Financial, Inc. (WSBF) Financial Statements

$19.48 NASDAQ: WSBF Market Cap $351.67M

Waterstone Financial, Inc. most recently reported annual revenue of $202.0M, net profit of $26.0M, revenue has compounded at -8.7% a year over the last five years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Annual Financials (USD)

Metric20212022202320242025
Revenue$268.0M$171.0M$177.0M$199.0M$202.0M
Operating Profit$92.0M$24.0M$11.0M$24.0M$33.0M
Net Profit$71.0M$19.0M$9.0M$19.0M$26.0M
EPS$2.96$0.89$0.46$1.01$1.48
Op Margin34.3%14.3%6.2%12.0%16.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.2B$2.0B$2.2B$2.2B$2.3B
Total Liabilities$1.8B$1.7B$1.9B$1.9B$1.9B
Cash$363.0M$36.0M$31.0M$35.0M$64.0M
Borrowings$477.0M$387.0M$466.0M$447.0M$412.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$142.0M$207.0M$-28.0M$48.0M$19.0M
Investing Cash Flow$159.0M$-336.0M$-160.0M$-25.0M$-5.0M
Financing Cash Flow$39.0M$-80.0M$-32.0M$155.0M$59.0M
Net Cash Flow$282.0M$-330.0M$-10.0M$3.0M$31.0M
Free Cash Flow$141.0M$206.0M$-28.0M$47.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.23
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y43.10%
Return 3Y47.29%
Return 5Y29.28%

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