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WSBF Waterstone Financial

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11.790
+0.450+3.97%

Close May 1 16:00 ET

234.82MMarket Cap22.67P/E (TTM)

Waterstone Financial Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual

YOY

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(Q1)Mar 31, 2024

(FY)Dec 31, 2023

(Q4)Dec 31, 2023

(Q3)Sep 30, 2023

(Q2)Jun 30, 2023

(Q1)Mar 31, 2023

(FY)Dec 31, 2022

(Q4)Dec 31, 2022

(Q3)Sep 30, 2022

(Q2)Jun 30, 2022

Total revenue

0.03%31.34M

-18.88%127.97M

-11.92%27.88M

-19.64%33.5M

-20.18%35.27M

-22.16%31.33M

-37.91%157.77M

-41.66%31.65M

-36.76%41.68M

-32.15%44.19M

Net interest income

-19.27%11.14M

-11.83%50.22M

-24.69%11.76M

-22.14%11.99M

-9.99%12.68M

16.28%13.8M

2.59%56.95M

18.52%15.61M

9.10%15.4M

-1.37%14.08M

-Net interest income

22.91%26.91M

41.23%99.21M

29.12%26.69M

45.53%26.38M

47.70%24.25M

45.64%21.89M

0.52%70.25M

24.66%20.67M

3.54%18.13M

-7.90%16.42M

-Interest income from loans and lease

23.13%24.48M

43.24%90.15M

30.20%24.29M

46.75%23.83M

52.28%22.15M

47.30%19.89M

-2.22%62.94M

23.11%18.65M

0.64%16.24M

-11.74%14.55M

-Interest income from securities

20.75%2.42M

23.94%9.06M

19.11%2.41M

35.03%2.55M

12.14%2.1M

31.05%2.01M

32.50%7.31M

41.06%2.02M

37.45%1.89M

39.14%1.87M

-Total interest expense

94.79%15.77M

268.62%48.99M

195.04%14.94M

427.61%14.39M

395.59%11.57M

155.69%8.1M

-7.50%13.29M

48.39%5.06M

-19.60%2.73M

-34.17%2.34M

-Interest expense for deposit

119.42%8.97M

429.26%25.74M

250.89%8.25M

658.61%7.44M

692.94%5.96M

424.78%4.09M

10.02%4.86M

167.88%2.35M

3.59%981K

-30.33%751K

-Interest expense for long term debt and capital securities

69.65%6.8M

175.93%23.26M

146.59%6.69M

297.82%6.95M

254.61%5.62M

67.87%4.01M

-15.28%8.43M

6.99%2.71M

-28.59%1.75M

-35.84%1.58M

Non interest income

15.20%20.2M

-22.87%77.76M

0.52%16.12M

-18.17%21.51M

-24.95%22.59M

-38.23%17.54M

-49.24%100.81M

-60.96%16.04M

-49.26%26.28M

-40.79%30.1M

-Total premiums earned

7.08%348K

-1.61%1.71M

-2.03%337K

-5.65%334K

-1.38%714K

2.85%325K

7.62%1.74M

8.18%344K

13.46%354K

5.85%724K

-Fees and commissions

20.17%19.45M

-23.65%74.08M

1.00%15.4M

-17.95%20.9M

-25.39%21.59M

-40.84%16.18M

-48.87%97.02M

-62.21%15.25M

-45.28%25.47M

-41.06%28.94M

-Other non interest income

-60.35%408K

-4.14%1.97M

-14.00%381K

-40.04%274K

-34.70%286K

43.51%1.03M

-71.54%2.06M

8.58%443K

-90.75%457K

-58.44%438K

Credit losses provision

85.43%-67K

32.23%-656K

165.51%435K

-34.04%-445K

-287.50%-186K

-705.26%-460K

-124.26%-968K

-145.17%-664K

-147.43%-332K

-106.40%-48K

Non interest expense

-5.64%26.5M

-12.12%116.28M

-4.68%28.91M

-15.26%29.3M

-11.58%29.99M

-16.16%28.09M

-20.28%132.32M

-24.25%30.33M

-18.05%34.57M

-19.43%33.92M

Occupancy and equipment

-6.85%2.11M

-4.40%8.32M

-6.69%2.02M

-13.20%1.99M

-0.49%2.05M

3.43%2.26M

-9.43%8.71M

-4.41%2.17M

-7.72%2.3M

-10.34%2.06M

Professional expense and contract services expense

78.61%743K

47.99%2.69M

48.20%907K

89.57%745K

77.08%618K

-9.76%416K

42.35%1.82M

29.94%612K

-28.55%393K

-38.66%349K

Selling and administrative expenses

-0.72%20.79M

-15.13%87.88M

-8.44%21.09M

-17.60%22.5M

-12.77%23.34M

-20.80%20.94M

-25.32%103.54M

-29.79%23.04M

-22.84%27.31M

-23.91%26.76M

-General and administrative expense

-0.88%19.88M

-15.54%84.1M

-9.07%20.06M

-17.52%21.59M

-13.17%22.4M

-21.47%20.05M

-26.31%99.57M

-30.73%22.06M

-24.27%26.17M

-24.70%25.79M

-Selling and marketing expense

2.81%914K

-4.95%3.78M

5.97%1.03M

-19.44%916K

-1.87%944K

-1.77%889K

12.70%3.98M

1.46%972K

36.17%1.14M

5.60%962K

Other non-interest expense

-35.94%2.86M

-4.69%17.4M

8.31%4.89M

-11.30%4.06M

-16.17%3.99M

1.22%4.47M

10.95%18.26M

0.49%4.51M

21.81%4.57M

16.80%4.76M

Income from associates and other participating interests

Special income (charges)

Other non-operating income (expenses)

Income before tax

71.39%4.77M

-54.93%11.03M

-190.43%-595K

-44.61%3.75M

-50.18%5.09M

-59.23%2.78M

-73.42%24.48M

-95.80%658K

-72.26%6.78M

-57.01%10.22M

Income tax

175.92%1.73M

-66.81%1.66M

-100.36%-555K

-66.80%500K

-51.37%1.09M

-59.07%627K

-76.58%4.99M

-108.85%-277K

-72.25%1.51M

-62.06%2.23M

Earnings from equity interest net of tax

Net income

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

-55.35%7.99M

Net Income continuous operations

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

-55.35%7.99M

Minority interest income

Net income attributable to the parent company

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

-55.35%7.99M

Preferred stock dividends

Other preferred stock dividend

Net income attributable to common stockholders

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

-55.35%7.99M

Basic earnings per share

60.00%0.16

-47.19%0.47

-105.16%-0.0021

-36.00%0.16

-44.44%0.2

-56.52%0.1

-70.13%0.89

-92.45%0.04

-68.75%0.25

-52.00%0.36

Diluted earnings per share

60.00%0.16

-48.31%0.46

-105.16%-0.0021

-36.00%0.16

-44.44%0.2

-56.52%0.1

-69.93%0.89

-92.45%0.04

-68.35%0.25

-51.35%0.36

Dividend per share

-25.00%0.15

-12.50%0.7

-25.00%0.15

-62.50%0.15

0.00%0.2

0.2

-20.00%0.8

0.00%0.2

0.00%0.4

0.00%0.2

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(Q1)Mar 31, 2024	(FY)Dec 31, 2023	(Q4)Dec 31, 2023	(Q3)Sep 30, 2023	(Q2)Jun 30, 2023	(Q1)Mar 31, 2023	(FY)Dec 31, 2022	(Q4)Dec 31, 2022	(Q3)Sep 30, 2022	(Q2)Jun 30, 2022
Total revenue	0.03%31.34M	-18.88%127.97M	-11.92%27.88M	-19.64%33.5M	-20.18%35.27M	-22.16%31.33M	-37.91%157.77M	-41.66%31.65M	-36.76%41.68M	-32.15%44.19M
Net interest income	-19.27%11.14M	-11.83%50.22M	-24.69%11.76M	-22.14%11.99M	-9.99%12.68M	16.28%13.8M	2.59%56.95M	18.52%15.61M	9.10%15.4M	-1.37%14.08M
-Net interest income	22.91%26.91M	41.23%99.21M	29.12%26.69M	45.53%26.38M	47.70%24.25M	45.64%21.89M	0.52%70.25M	24.66%20.67M	3.54%18.13M	-7.90%16.42M
-Interest income from loans and lease	23.13%24.48M	43.24%90.15M	30.20%24.29M	46.75%23.83M	52.28%22.15M	47.30%19.89M	-2.22%62.94M	23.11%18.65M	0.64%16.24M	-11.74%14.55M
-Interest income from securities	20.75%2.42M	23.94%9.06M	19.11%2.41M	35.03%2.55M	12.14%2.1M	31.05%2.01M	32.50%7.31M	41.06%2.02M	37.45%1.89M	39.14%1.87M
-Total interest expense	94.79%15.77M	268.62%48.99M	195.04%14.94M	427.61%14.39M	395.59%11.57M	155.69%8.1M	-7.50%13.29M	48.39%5.06M	-19.60%2.73M	-34.17%2.34M
-Interest expense for deposit	119.42%8.97M	429.26%25.74M	250.89%8.25M	658.61%7.44M	692.94%5.96M	424.78%4.09M	10.02%4.86M	167.88%2.35M	3.59%981K	-30.33%751K
-Interest expense for long term debt and capital securities	69.65%6.8M	175.93%23.26M	146.59%6.69M	297.82%6.95M	254.61%5.62M	67.87%4.01M	-15.28%8.43M	6.99%2.71M	-28.59%1.75M	-35.84%1.58M
Non interest income	15.20%20.2M	-22.87%77.76M	0.52%16.12M	-18.17%21.51M	-24.95%22.59M	-38.23%17.54M	-49.24%100.81M	-60.96%16.04M	-49.26%26.28M	-40.79%30.1M
-Total premiums earned	7.08%348K	-1.61%1.71M	-2.03%337K	-5.65%334K	-1.38%714K	2.85%325K	7.62%1.74M	8.18%344K	13.46%354K	5.85%724K
-Fees and commissions	20.17%19.45M	-23.65%74.08M	1.00%15.4M	-17.95%20.9M	-25.39%21.59M	-40.84%16.18M	-48.87%97.02M	-62.21%15.25M	-45.28%25.47M	-41.06%28.94M
-Other non interest income	-60.35%408K	-4.14%1.97M	-14.00%381K	-40.04%274K	-34.70%286K	43.51%1.03M	-71.54%2.06M	8.58%443K	-90.75%457K	-58.44%438K
Credit losses provision	85.43%-67K	32.23%-656K	165.51%435K	-34.04%-445K	-287.50%-186K	-705.26%-460K	-124.26%-968K	-145.17%-664K	-147.43%-332K	-106.40%-48K
Non interest expense	-5.64%26.5M	-12.12%116.28M	-4.68%28.91M	-15.26%29.3M	-11.58%29.99M	-16.16%28.09M	-20.28%132.32M	-24.25%30.33M	-18.05%34.57M	-19.43%33.92M
Occupancy and equipment	-6.85%2.11M	-4.40%8.32M	-6.69%2.02M	-13.20%1.99M	-0.49%2.05M	3.43%2.26M	-9.43%8.71M	-4.41%2.17M	-7.72%2.3M	-10.34%2.06M
Professional expense and contract services expense	78.61%743K	47.99%2.69M	48.20%907K	89.57%745K	77.08%618K	-9.76%416K	42.35%1.82M	29.94%612K	-28.55%393K	-38.66%349K
Selling and administrative expenses	-0.72%20.79M	-15.13%87.88M	-8.44%21.09M	-17.60%22.5M	-12.77%23.34M	-20.80%20.94M	-25.32%103.54M	-29.79%23.04M	-22.84%27.31M	-23.91%26.76M
-General and administrative expense	-0.88%19.88M	-15.54%84.1M	-9.07%20.06M	-17.52%21.59M	-13.17%22.4M	-21.47%20.05M	-26.31%99.57M	-30.73%22.06M	-24.27%26.17M	-24.70%25.79M
-Selling and marketing expense	2.81%914K	-4.95%3.78M	5.97%1.03M	-19.44%916K	-1.87%944K	-1.77%889K	12.70%3.98M	1.46%972K	36.17%1.14M	5.60%962K
Other non-interest expense	-35.94%2.86M	-4.69%17.4M	8.31%4.89M	-11.30%4.06M	-16.17%3.99M	1.22%4.47M	10.95%18.26M	0.49%4.51M	21.81%4.57M	16.80%4.76M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax	71.39%4.77M	-54.93%11.03M	-190.43%-595K	-44.61%3.75M	-50.18%5.09M	-59.23%2.78M	-73.42%24.48M	-95.80%658K	-72.26%6.78M	-57.01%10.22M
Income tax	175.92%1.73M	-66.81%1.66M	-100.36%-555K	-66.80%500K	-51.37%1.09M	-59.07%627K	-76.58%4.99M	-108.85%-277K	-72.25%1.51M	-62.06%2.23M
Earnings from equity interest net of tax
Net income	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M	-55.35%7.99M
Net Income continuous operations	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M	-55.35%7.99M
Minority interest income
Net income attributable to the parent company	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M	-55.35%7.99M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M	-55.35%7.99M
Basic earnings per share	60.00%0.16	-47.19%0.47	-105.16%-0.0021	-36.00%0.16	-44.44%0.2	-56.52%0.1	-70.13%0.89	-92.45%0.04	-68.75%0.25	-52.00%0.36
Diluted earnings per share	60.00%0.16	-48.31%0.46	-105.16%-0.0021	-36.00%0.16	-44.44%0.2	-56.52%0.1	-69.93%0.89	-92.45%0.04	-68.35%0.25	-51.35%0.36
Dividend per share	-25.00%0.15	-12.50%0.7	-25.00%0.15	-62.50%0.15	0.00%0.2	0.2	-20.00%0.8	0.00%0.2	0.00%0.4	0.00%0.2
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	--	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--	--

Analysis

Analyst Rating

No Data

Price Target

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Heat List

Overall