Waterstone Financial, Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Waterstone Financial, Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $26.40M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $18.69M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $9.38M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $19.49M | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | $70.79M | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | $81.15M | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | $35.90M | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | $30.75M | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | $25.96M | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | $25.53M | Mar 6, 2019 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $24.18M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $48.06M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | ($27.58M) | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $206.67M | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | $142.01M | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | ($93.58M) | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | ($40.22M) | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | $41.50M | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | $107.10M | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | ($24.06M) | Mar 6, 2019 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.17M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $1.10M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $700.0K | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $701.0K | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | $778.0K | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | $1.23M | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | $3.11M | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | $3.96M | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | $1.58M | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | $1.09M | Mar 6, 2019 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $2.26B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $2.21B | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $2.21B | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $2.03B | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | $2.22B | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | $2.18B | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | $2.00B | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | $1.92B | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | $1.81B | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | $1.79B | Mar 6, 2019 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.91B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $1.87B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $1.87B | Feb 28, 2025 |
| FY2023 | Dec 31, 2022 | $1.66B | Mar 6, 2024 |
| FY2022 | Dec 31, 2021 | $1.78B | Feb 28, 2023 |
| FY2021 | Dec 31, 2020 | $1.77B | Feb 28, 2022 |
| FY2020 | Dec 31, 2019 | $1.60B | Mar 2, 2021 |
| FY2019 | Dec 31, 2018 | $1.52B | Mar 13, 2020 |
| FY2018 | Dec 31, 2017 | $1.39B | Mar 6, 2019 |
| FY2017 | Dec 31, 2016 | $1.38B | Mar 6, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $349.39M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $339.14M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $344.06M | Feb 26, 2026 |
| FY2025 | Dec 31, 2022 | $370.49M | Feb 26, 2026 |
| FY2024 | Dec 31, 2021 | $432.77M | Feb 28, 2025 |
| FY2023 | Dec 31, 2020 | $413.12M | Mar 6, 2024 |
| FY2022 | Dec 31, 2019 | $393.69M | Feb 28, 2023 |
| FY2021 | Dec 31, 2018 | $399.68M | Feb 28, 2022 |
| FY2020 | Dec 31, 2017 | $412.10M | Mar 2, 2021 |
| FY2019 | Dec 31, 2016 | $410.69M | Mar 13, 2020 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $292.96M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $277.20M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $269.61M | Feb 28, 2025 |
| FY2023 | Dec 31, 2022 | $274.25M | Mar 6, 2024 |
| FY2022 | Dec 31, 2021 | $273.40M | Feb 28, 2023 |
| FY2021 | Dec 31, 2020 | $245.29M | Feb 28, 2022 |
| FY2020 | Dec 31, 2019 | $197.39M | Mar 2, 2021 |
| FY2019 | Dec 31, 2018 | $187.15M | Mar 13, 2020 |
| FY2018 | Dec 31, 2017 | $183.36M | Mar 6, 2019 |
| FY2017 | Dec 31, 2016 | $184.57M | Mar 6, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2018 | Dec 31, 2018 | $86.10M | Mar 6, 2019 |
| FY2018 | Dec 31, 2017 | $48.61M | Mar 6, 2019 |
| FY2018 | Dec 31, 2016 | $47.22M | Mar 6, 2019 |
| FY2018 | Dec 31, 2015 | $100.47M | Mar 6, 2019 |
| FY2017 | Dec 31, 2014 | $172.82M | Mar 6, 2018 |
| FY2016 | Dec 31, 2013 | $429.17M | Mar 3, 2017 |
| FY2015 | Dec 31, 2012 | $71.47M | Mar 4, 2016 |
| FY2014 | Dec 31, 2011 | $80.38M | Mar 6, 2015 |
| FY2013 | Dec 31, 2010 | $75.33M | Mar 21, 2014 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $412.26M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $446.52M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $611.05M | Feb 28, 2025 |
| FY2023 | Dec 31, 2022 | $386.78M | Mar 6, 2024 |
| FY2022 | Dec 31, 2021 | $477.13M | Feb 28, 2023 |
| FY2021 | Dec 31, 2020 | $508.07M | Feb 28, 2022 |
| FY2020 | Dec 31, 2019 | $483.56M | Mar 2, 2021 |
| FY2019 | Dec 31, 2018 | $435.05M | Mar 13, 2020 |
| FY2018 | Dec 31, 2017 | $386.29M | Mar 6, 2019 |
| FY2017 | Dec 31, 2016 | $387.16M | Mar 6, 2018 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | 0 | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | 0 | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | 3 | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | 1 | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | 1 | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | 0 | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | 0 | Mar 6, 2019 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | 0 | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | 0 | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | 3 | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | 1 | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | 1 | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | 0 | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | 0 | Mar 6, 2019 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 18.36M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 19.34M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | 20.31M | Feb 28, 2025 |
| FY2023 | Dec 31, 2022 | 22.17M | Mar 6, 2024 |
| FY2022 | Dec 31, 2021 | 24.80M | Feb 28, 2023 |
| FY2021 | Dec 31, 2020 | 25.09M | Feb 28, 2022 |
| FY2020 | Dec 31, 2019 | 27.15M | Mar 2, 2021 |
| FY2019 | Dec 31, 2018 | 28.46M | Mar 13, 2020 |
| FY2018 | Dec 31, 2017 | 29.50M | Mar 6, 2019 |
| FY2017 | Dec 31, 2016 | 29.43M | Mar 6, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $10.77M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $11.27M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $15.36M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $30.26M | Feb 28, 2025 |
| FY2023 | Dec 31, 2021 | $30.39M | Mar 6, 2024 |
| FY2022 | Dec 31, 2020 | $31.52M | Feb 28, 2023 |
| FY2021 | Dec 31, 2019 | $25.96M | Feb 28, 2022 |
| FY2020 | Dec 31, 2018 | $27.05M | Mar 2, 2021 |
| FY2019 | Dec 31, 2017 | $26.95M | Mar 13, 2020 |
| FY2018 | Dec 31, 2016 | $6.92M | Mar 6, 2019 |