Waterstone Financial, Inc. (WSBF) — SEC Filings
Waterstone Financial, Inc. (WSBF) — 40 SEC filings. Latest: ARS (Apr 9, 2026). Includes 23 8-K, 6 10-Q, 6 SC 13G/A.
View Waterstone Financial, Inc. on SEC EDGAR
Overview
Waterstone Financial, Inc. (WSBF) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Dec 18, 2025: Waterstone Financial, Inc. filed an 8-K on December 18, 2025, reporting "Other Events." The filing does not contain specific details about the nature of these events, dollar amounts, or definitive dates beyond the report date. The company is incorporated in Maryland and its common stock trades under
Sentiment Summary
Across 40 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 36 neutral, 2 mixed. The dominant filing sentiment for Waterstone Financial, Inc. is neutral.
Filing Type Overview
Waterstone Financial, Inc. (WSBF) has filed 1 ARS, 23 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 6 SC 13G/A with the SEC between Jan 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (40)
Risk Profile
Risk Assessment: Of WSBF's 33 recent filings, 0 were flagged as high-risk, 11 as medium-risk, and 22 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $85,996,000 |
| Net Income | $18,689,000 |
| EPS | $1.04 |
| Debt-to-Equity | 1.35 |
| Cash Position | $53,768,000 |
| Operating Margin | N/A |
| Total Assets | $2,269,169,000 |
| Total Debt | $469,061,000 |
Key Executives
- Michael L. Nelson
Industry Context
Waterstone Financial operates within the highly competitive banking and financial services industry. Key trends include evolving interest rate environments, digital transformation in customer service, and increasing regulatory scrutiny. The company's performance is closely tied to the health of the housing market, given its focus on mortgage banking.
Top Tags
8-K (7) · financial-reporting (7) · financials (5) · financial-condition (3) · results-of-operations (3) · 8-k (3) · Waterstone Financial (3) · institutional-ownership (3) · amendment (3) · Regional Banking (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net income for Q3 2025 | $7.926M | Increased 67.6% from $4.728 million in Q3 2024 |
| Net income for nine months ended Sep 30, 2025 | $18.689M | Increased 38.7% from $13.478 million in the prior year period |
| Total interest expense for Q3 2025 | $14.817M | Decreased from $17.674 million in Q3 2024 |
| Borrowings interest expense for Q3 2025 | $4.290M | Decreased from $7.197 million in Q3 2024 |
| Mortgage banking income for Q3 2025 | $20.875M | Slightly decreased from $21.294 million in Q3 2024 |
| Total assets as of Sep 30, 2025 | $2.269B | Increased from $2.209 billion at Dec 31, 2024 |
| Total shareholders' equity as of Sep 30, 2025 | $345.495M | Increased from $339.135 million at Dec 31, 2024 |
| Gross unrealized losses on securities available for sale | $18.480M | As of Sep 30, 2025, an improvement from $24.541 million at Dec 31, 2024 |
| Basic income per share for Q3 2025 | $0.45 | Increased from $0.26 in Q3 2024 |
| Basic income per share for nine months ended Sep 30, 2025 | $1.04 | Increased from $0.72 in the prior year period |
| Q2 2025 Net Income | $238,362 | Increased from $232,630 in Q2 2024 |
| Q2 2025 Diluted EPS | $0.01 | Remained flat compared to Q2 2024 |
| YTD 2025 Net Income | $465,726 | Increased 4.3% from $446,519 in YTD 2024 |
| Common Shares Outstanding | 18,776,229 | Consistent from December 31, 2024 to June 30, 2025 |
| Non-Accrual Construction Loans | $221,000 | As of March 31, 2025, up from $0 at December 31, 2024 |
Forward-Looking Statements
- {"claim":"Dimensional Fund Advisors LP will likely maintain a significant stake in Waterstone Financial Inc. for the foreseeable future.","entity":"Dimensional Fund Advisors LP","targetDate":"2025-12-31","confidence":"medium"}
Frequently Asked Questions
What are the latest SEC filings for Waterstone Financial, Inc. (WSBF)?
Waterstone Financial, Inc. has 40 recent SEC filings from Jan 2024 to Apr 2026, including 23 8-K, 6 10-Q, 6 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of WSBF filings?
Across 40 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 36 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Waterstone Financial, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Waterstone Financial, Inc. (WSBF) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Waterstone Financial, Inc.?
Key financial highlights from Waterstone Financial, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for WSBF?
The investment thesis for WSBF includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Waterstone Financial, Inc.?
Key executives identified across Waterstone Financial, Inc.'s filings include Michael L. Nelson.
What are the main risk factors for Waterstone Financial, Inc. stock?
Of WSBF's 33 assessed filings, 0 were flagged high-risk, 11 medium-risk, and 22 low-risk.
What are recent predictions and forward guidance from Waterstone Financial, Inc.?
Recent forward-looking statements from Waterstone Financial, Inc. include guidance on {"claim":"Dimensional Fund Advisors LP will likely maintain a significant stake in Waterstone Financial Inc. for the for.