{"filings":[{"id":1829239,"accession_number":"0001437749-26-024291","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-07-23T20:00:09+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q2 net income rises to $8.5M; NIM hits 3.03%, highest since 2022","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.5M ($0.49 diluted EPS) vs $7.7M ($0.43) in Q2 2025, up 10.4%.","Community Banking pre-tax income $9.0M (+18.2% YoY); net interest margin 3.03% (highest since Dec 2022).","Mortgage Banking pre-tax income $1.6M (-20.2% YoY) on softer sales margins; originations up 5.6% to $621.8M.","Book value per share $19.53, up from $19.03 at Dec 2025; repurchased 200k shares at $18.40.","Nonperforming assets 0.30% of total assets, improved from 0.37% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1221839,"accession_number":"0001437749-26-021427","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-06-23T20:00:15+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.17 quarterly cash dividend payable Aug 3, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared regular quarterly cash dividend of $0.17 per common share on June 23, 2026.","Dividend payable on August 3, 2026, to shareholders of record as of July 8, 2026.","Waterstone Financial trades on NASDAQ under ticker WSBF."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":527476,"accession_number":"0001437749-26-017794","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-05-19T20:25:28+00:00","items":["5.07"],"status":"ready","headline":"Waterstone Financial shareholders elect three directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected Stephen Schmidt, Derek Tyus, Molly Mulroy as directors each to a 3-year term (2029).","Ratified Forvis Mazars, LLP as independent auditor for FY 2026 (14.75M for, 84K against).","Advisory say-on-pay approved (11.28M for, 550K against); vote frequency set at 1 year (10.61M for)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93743,"accession_number":"0001437749-26-013465","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-04-27T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial expands buyback by 2M shares, totaling ~11.9% of outstanding","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to an additional 2,000,000 shares under existing program.","Combined with prior authorization, 2,148,285 shares are available for repurchase as of April 27, 2026.","Repurchases represent approximately 11.9% of issued and outstanding common stock.","Program may be executed via open-market purchases, block trades, or Rule 10b5-1 plans.","Company may suspend, terminate, or modify the repurchase program at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93742,"accession_number":"0001437749-26-013174","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Reports Q1 2026 Net Income of $6.0M, Up from $3.0M Year Ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $6.0M ($0.34 per diluted share) for Q1 2026 vs. $3.0M ($0.17 per share) in Q1 2025.","Community banking net interest income rose 22.8% to $15.2M, with net interest margin expanding to 2.97%.","Mortgage banking loan originations increased 31.1% to $508.3M, turning pre-tax loss of $2.2M to profit of $22,000.","Repurchased ~246,000 shares at $17.89 per share and declared increased quarterly dividend of $0.17 per share.","Book value per share increased to $19.19 from $19.03 at year-end 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105614,"accession_number":"0001437749-26-008598","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-03-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial raises quarterly cash dividend 13.3% to $0.17 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared quarterly cash dividend of $0.17 per common share, a 13.3% increase from prior dividend.","Dividend payable May 1, 2026, to shareholders of record as of April 8, 2026.","CEO William Bruss cites disciplined execution and confidence in future, maintaining robust payout ratio.","Dividend increase reflects commitment to delivering long-term shareholder value and effective capital management."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105613,"accession_number":"0001437749-26-002305","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q4 2025 net income $7.7M ($0.44 EPS), up from $5.2M ($0.28) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.7M vs $5.2M in Q4 2024; diluted EPS $0.44 vs $0.28.","Community Banking pre-tax income $9.1M (+35.5% YoY); net interest margin 2.89% (+47 bps).","Mortgage Banking pre-tax income $900K vs loss of $625K YoY; originations $534.6M (+13.6%).","Dividend declared $0.15/share; repurchased ~174K shares for $2.7M during quarter.","Book value per share $19.03 (Dec 2025) vs $17.53 (Dec 2024), up $1.50."],"consensus_eps_estimate":null,"consensus_eps_actual":1.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121899,"accession_number":"0001437749-25-038299","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-12-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares regular quarterly dividend of $0.15/share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.15 per common share declared by Board on December 18, 2025.","Payable on February 2, 2026 to shareholders of record on January 8, 2026.","Dividend is a regular quarterly cash dividend; no change in amount indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121898,"accession_number":"0001437749-25-031619","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q3 net income $7.9M, EPS $0.45 up 73% YoY; NIM expands 63 bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.9M ($0.45 diluted) vs $4.7M ($0.26) a year ago; sequential rise from $7.7M ($0.43).","Community Banking pre-tax income $8.4M (+49.4% YoY) as net interest margin widened 63 bps to 2.76%.","Mortgage Banking pre-tax income $1.3M vs $144K; loan originations $539.4M (90% purchase mix).","Repurchased ~270K shares at $14.15 for $3.8M; book value rose $0.61 to $18.65 per share.","Quarterly dividend $0.15 per share; nonperforming assets remained low at 0.27% of total assets."],"consensus_eps_estimate":null,"consensus_eps_actual":1.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121897,"accession_number":"0001437749-25-031417","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-10-21T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Waterstone Financial Director Michael Hansen to Retire; Piotrowski Named Audit Committee Chair","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael Hansen resigns as Audit Committee Chair effective Oct 21, 2025; will retire from Board on Dec 31, 2025.","Laura Piotrowski appointed Chairperson of Audit Committee; she joined Board July 8, 2025.","Hansen's departure not due to disagreement; he continues on Audit, Executive, and Nominating Committees until retirement.","Piotrowski is CEO/President of Cavendish Vernal; previously CFO at Stein's Garden & Home and Managing Director at Robert W. Baird."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138588,"accession_number":"0001437749-25-029719","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-09-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.15/share regular quarterly dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.15 per common share declared by Board on Sept 23, 2025.","Payable on November 3, 2025, to shareholders of record as of October 8, 2025.","Dividend is a regular quarterly cash dividend; no change in rate indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138587,"accession_number":"0001437749-25-023211","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q2 net income $7.7M ($0.43 EPS) vs $5.7M ($0.31) YoY; NIM expands 59 bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Pre-tax income in Community Banking up 50.4% YoY to $7.6M; net interest income rose 21.4% to $13.6M.","Net interest margin improved 59 bps to 2.60% from 2.01% a year ago; efficiency ratio improved to 50.40%.","Mortgage Banking pre-tax income steady at $2.0M; loan originations fell 7.1% to $588.8M.","Repurchased ~508k shares at $12.80/share ($6.5M); book value per share rose to $18.19 from $17.53 at end-2024.","Dividend declared $0.15 per share; nonperforming assets remained low at 0.37% of total assets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138586,"accession_number":"0001437749-25-022427","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-07-09T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Waterstone Financial elects Molly Mulroy and Laura Piotrowski to Board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Elected effective July 22, 2025; Mulroy to serve until 2026 annual meeting, Piotrowski until 2028.","Mulroy is EVP and CAO of WEC Energy Group; added to Audit and Nominating & Governance committees.","Piotrowski is CEO of Cavendish Vernal and CPA; added to Audit, Executive and Nominating & Governance committees.","Both also elected to board of subsidiary WaterStone Bank SSB."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156038,"accession_number":"0001437749-25-020626","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-06-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.15 quarterly dividend payable Aug 1, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.15 per common share declared by Board on June 17, 2025.","Dividend payable August 1, 2025, to shareholders of record at close of business on July 8, 2025.","No change from prior dividend rate indicated; company maintains $0.15 quarterly payout.","Ticker WSBF on NASDAQ; dividend marks continued routine distribution to shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156037,"accession_number":"0001437749-25-017840","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Waterstone Financial holds 2025 Annual Meeting; all proposals approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders elected Ellen S. Bartel to Board with 12,079,443 votes for and 1,950,360 withheld (to 2028).","Ratified Forvis Mazars as auditor for 2025: 16,232,100 for, 236,065 against, 17,840 abstain.","Advisory vote approved executive compensation: 12,977,351 for, 928,485 against, 123,967 abstain.","19,294,731 shares outstanding eligible to vote as of March 26, 2025 record date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156036,"accession_number":"0001437749-25-012679","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q1 net income $3.0M, EPS $0.17; community banking pre-tax up 42%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Consolidated net income $3.0M ($0.17 diluted EPS) vs $3.0M ($0.16) YoY; ROAA 0.57%.","Community Banking pre-tax income $6.1M, up 42% YoY; net interest margin up 32 bps to 2.47%.","Mortgage Banking pre-tax loss $2.2M vs income $0.37M YoY; originations down 20% to $387.7M.","Mortgage banking legal expense elevated; final settlement of previously disclosed lawsuit with $1.3M accrual.","Repurchased ~237,000 shares at $13.37/share during quarter; dividend $0.15 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":0.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156035,"accession_number":"0001437749-25-012293","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2025-04-17T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Michael Hansen to retire after 22 years; 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full-year EPS $1.01","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Quarter ended Dec 31, 2024 net income of $5.2M ($0.28 diluted EPS) vs net loss of $40K in Q4 2023.","Community Banking pre-tax income $6.7M, up 26% YoY; net interest margin improved to 2.42%.","Mortgage Banking pre-tax loss $625K vs $6.0M loss prior year; origination volume up 2.7% to $470.7M.","Book value per share $17.53, up from $16.94; dividends declared $0.15 per share in Q4.","Repurchased ~194,000 shares at avg $14.43; nonperforming assets 0.28% of total assets."],"consensus_eps_estimate":null,"consensus_eps_actual":1.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191453,"accession_number":"0001437749-24-037959","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.15 regular quarterly dividend payable Feb 3, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.15 per common share declared.","Payable on February 3, 2025, to shareholders of record on January 8, 2025.","Dividend amount unchanged from prior quarter; routine declaration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191452,"accession_number":"0001437749-24-031761","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q3 net income $4.7M ($0.26 EPS) vs $3.3M a year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.7M ($0.26 diluted EPS) for Q3 2024, up from $3.3M ($0.16 EPS) in Q3 2023.","Community Banking pre-tax income $5.6M; net interest margin 2.13% down 13 bps YoY but up 12 bps from Q2.","Mortgage Banking pre-tax income $144K vs $2.1M loss a year ago; originations $558.7M, down 6.5% YoY.","Dividend declared $0.15/share; repurchased 71,000 shares at $13.75/share in the quarter.","Book value per share $17.58; nonperforming assets 0.25% of total assets; past due loans 0.63%."],"consensus_eps_estimate":0.306,"consensus_eps_actual":0.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207930,"accession_number":"0001437749-24-029898","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-09-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares regular quarterly dividend of $0.15 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.15 quarterly dividend on September 24, 2024.","Dividend payable November 1, 2024 to shareholders of record October 8, 2024.","Waterstone Financial (NASDAQ: WSBF) announced the dividend via 8-K filing.","CEO William F. Bruss signed the report on September 24, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207929,"accession_number":"0001437749-24-023469","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q2 2024 net income rises to $5.7M ($0.31 EPS) from $4.0M YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.7M ($0.31 diluted EPS) vs $4.0M ($0.20) in Q2 2023; six-month EPS $0.47 vs $0.30.","Community Banking pre-tax income $5.1M, down 20.5% YoY; net interest margin fell 46 bps to 2.01% on funding cost pressure.","Mortgage Banking swung to $2.0M pre-tax profit from $1.4M loss; originations $634.1M (+1.7% YoY), margin 3.93% vs 3.73%.","Dividend $0.15/share declared; repurchased 481K shares at $11.99/share, accretive $0.13 to book value per share.","Nonperforming assets 0.25% of total assets; past due loans 0.76% (up from 0.50% a year ago)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225439,"accession_number":"0001437749-24-020638","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-06-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.15 quarterly cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.15 per common share declared on June 18, 2024","Payable on August 1, 2024 to shareholders of record as of July 8, 2024","Announced by Waterstone Financial, Inc. 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one-time tax charge $0.04","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Community Banking pre-tax income $4.3M, down 33.5% YoY; net interest margin fell 73 bps to 2.15%.","Mortgage Banking pre-tax income $369K vs $3.7M loss YoY; loan originations up 9.6% to $485.1M.","Dividends declared $0.15 per share; share repurchases of ~417K shares at avg $12.65.","Nonperforming assets 0.23% of total assets; book value per share $16.98.","One-time $1.1M charge from Wisconsin state tax law change reduced EPS by $0.04."],"consensus_eps_estimate":null,"consensus_eps_actual":0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225436,"accession_number":"0001437749-24-013244","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Waterstone Financial enters employment agreement with President and CEO Jeffrey McGuiness","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["President and CEO Jeffrey McGuiness signs employment agreement effective April 24, 2024 through Dec 31, 2026.","Base salary set at $450,000 annually, subject to annual review.","Grant of 30,000 incentive stock options vesting in equal installments of 10,000 per year.","Severance provision includes one year's base salary and accelerated option vesting upon termination without cause or for good reason.","Non-solicitation restrictions apply for two years post-termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225435,"accession_number":"0001437749-24-012864","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial expands buyback by 2M shares; total now 2.2M shares (11.2% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to an additional 2,000,000 shares under existing program.","Combined with 224,852 shares already available, total authorization is 2,224,852 shares.","Represents approximately 11.2% of issued and outstanding shares as of April 23, 2024.","Repurchases may occur via open market, block trades, private transactions, or 10b5-1 plan.","Program can be suspended or modified any time; no obligation to repurchase specific number."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244619,"accession_number":"0001437749-24-009039","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-03-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.15 quarterly cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.15 per common share declared by Board on March 21, 2024.","Payable on May 1, 2024 to shareholders of record as of April 8, 2024.","Dividend is a regular quarterly cash dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244618,"accession_number":"0001437749-24-002553","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2024-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial reports Q4 net loss of $40K, EPS $0.00; FY EPS down 48% to $0.46","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $40K in Q4 2023 vs net income of $935K in Q4 2022; diluted EPS less than $0.01.","Full year EPS $0.46, down from $0.89 YoY; net interest margin fell 104 bps to 2.25%.","Community Banking pre-tax income fell 24.3% to $5.3M; Mortgage Banking pre-tax loss $6.0M.","Repurchased 545K shares in Q4 at $11.36; declared dividend $0.15/share in Q4, total $0.70 for 2023.","Nonperforming assets 0.23% of total assets; past due loans increased to 0.68% from 0.41% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":0.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":262052,"accession_number":"0001437749-23-035123","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-12-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.15 quarterly cash dividend payable Feb 1, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend of $0.15 per common share declared on Dec 21, 2023.","Dividend payable on February 1, 2024 to shareholders of record on January 8, 2024.","No change in dividend amount; consistent with prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":262051,"accession_number":"0001437749-23-028846","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q3 net income $3.3M ($0.16 EPS) vs $5.3M YoY; mortgage segment loss continues","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.3M ($0.16 diluted EPS) vs $5.3M ($0.25) in Q3 2022; nine-month EPS $0.46 vs $0.83.","Community Banking pre-tax income $5.7M, down 33.8% from $8.5M; net interest margin fell 108bps to 2.26%.","Mortgage Banking pre-tax loss $2.1M vs $1.8M loss; originations fell 18.1% to $597.6M.","Repurchased ~516K shares for $6.7M ($12.94/share); dividends declared $0.15 per share.","Nonperforming assets remained low at 0.20% of total assets; book value $16.60/share."],"consensus_eps_estimate":0.2346,"consensus_eps_actual":0.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":279258,"accession_number":"0001437749-23-026762","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-09-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial cuts quarterly dividend to $0.15/share, shifts capital to buybacks","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend reduced to $0.15 per share; 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William Bruss elected as successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Douglas Gordon to retire Dec 31, 2023; will remain on boards of Company, Bank, and Waterstone Mortgage.","William F. Bruss elected CEO effective Jan 1, 2024; currently President since Jan 2022.","Bruss has been executive officer since 2005, previously EVP, COO, and General Counsel.","Chairman Pat Lawton: Board planned transition for several years; Bruss ideal successor."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":279256,"accession_number":"0001437749-23-020613","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Q2 net income $4.0M ($0.20 EPS), down 50% YoY; mortgage banking loss continues","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.0M vs $8.0M YoY; diluted EPS $0.20 vs $0.36 YoY.","Community banking pre-tax income $6.4M, down 19.9% YoY; NIM fell 55 bps to 2.47%.","Mortgage banking segment pre-tax loss $1.4M vs $2.3M profit YoY; originations down 20% to $623M.","Declared $0.20 dividend; repurchased ~511K shares at $14.32 avg cost; new 2M share buyback authorized.","Nonperforming assets 0.19% of total assets; past due loans 0.50% of total loans."],"consensus_eps_estimate":0.2754,"consensus_eps_actual":0.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297614,"accession_number":"0001437749-23-018895","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-06-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.20 quarterly dividend, payable Aug 2","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.20 per common share declared on June 29, 2023.","Payable on August 2, 2023 to shareholders of record as of July 10, 2023.","Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) approved the dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297613,"accession_number":"0001437749-23-015710","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-05-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial authorizes repurchase of up to 2M shares (9.3% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 2,000,000 shares (approx. 9.3% of outstanding common stock).","Repurchase program to commence on or about May 26, 2023.","Previous program repurchased 3,500,000 shares at weighted average price of $17.25 per share.","Repurchases may be made via open market, block trades, private transactions, or Rule 10b5-1 plan.","Program may be suspended, terminated, or modified at any time; no obligation to repurchase any specific number."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297612,"accession_number":"0001437749-23-015102","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-05-18T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Waterstone Financial shareholders elect three directors, ratify auditors, approve executive comp","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Michael Hansen, Stephen Schmidt, Derek Tyus elected as directors until 2026; Hansen 13.9M for, Schmidt 11.95M for, Tyus 15.2M for.","Ratification of Forvis, LLP as auditors approved: 18.6M for, 205K against, 15K abstain.","Advisory vote on executive compensation approved: 14.8M for, 801K against, 96K abstain.","Total outstanding shares eligible to vote: 21,929,777 as of March 22, 2023 record date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297611,"accession_number":"0001437749-23-011008","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q1 net income falls to $2.2M from $5.3M; mortgage segment posts $3.7M loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.10 vs $0.23 YoY; consolidated ROAA 0.43% vs 1.00%.","Community banking pre-tax income up 18.5% to $6.4M; net interest margin 2.88%.","Mortgage banking pre-tax loss of $3.7M vs $1.4M income; originations down 37.5% to $442.7M.","Dividends declared $0.20 per share; repurchased ~373K shares at $15.65/share.","Nonperforming assets stable at 0.22% of total assets; book value $16.73."],"consensus_eps_estimate":null,"consensus_eps_actual":0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317899,"accession_number":"0001437749-23-007527","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-03-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone declares $0.20 quarterly cash dividend, payable May 2 to holders of record April 10","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend of $0.20 per common share declared by Board on March 22, 2023.","Dividend payable on May 2, 2023; record date is April 10, 2023.","No change from prior dividend rate; amount unchanged from previous quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317896,"accession_number":"0001437749-23-005309","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K/A","filed_at":"2023-03-03T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Waterstone Financial dismisses CLA, appoints FORVIS as new auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["CLA completed 2022 audit with no adverse opinion or qualification.","No disagreements or reportable events during fiscal 2021-2022 or interim period.","FORVIS appointed effective Feb 28, 2023 after competitive RFP process.","No prior consultations with FORVIS on accounting or audit matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317898,"accession_number":"0001437749-23-001882","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Q4 net income drops to $935K ($0.04 EPS) from $12.6M; mortgage segment loss $6.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $935K ($0.04 diluted EPS) vs $12.6M ($0.53) in Q4 2021; FY EPS $0.89 vs $2.96.","Community banking net interest income up 19.2% to $15.7M; pre-tax income down 16.4% to $7.0M.","Mortgage banking pre-tax loss $6.5M vs prior-year profit $7.3M; originations fell 45% to $546.6M.","Dividend declared $0.20/share; repurchased 159K shares at $16.53.","Book value per share $16.71, down from $17.45 due to unrealized loss on AFS securities."],"consensus_eps_estimate":null,"consensus_eps_actual":0.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317897,"accession_number":"0001437749-23-001138","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2023-01-17T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Waterstone Financial replaces auditor CliftonLarsonAllen with FORVIS for FY2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CLA will not stand for re-appointment after completing FY2022 audit due to CLA's decision to cease serving SEC registrants.","No disagreements or reportable events between Waterstone and CLA during 2021, 2022, and interim period through Jan 17, 2023.","Audit Committee approved FORVIS, LLP as new independent auditor for FY2023, effective after CLA completes FY2022 audit.","No prior consultation with FORVIS on accounting principles, audit opinions, or any reportable matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":336167,"accession_number":"0001437749-22-029144","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-12-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.20 quarterly dividend, payable Feb 1, 2023","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.20 per common share declared by Board on Dec 15, 2022.","Dividend payable February 1, 2023 to shareholders of record on January 9, 2023.","No change in dividend amount from prior quarter (regular quarterly declaration)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":336166,"accession_number":"0001437749-22-024790","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q3 net income falls to $5.3M ($0.25/sh) from $19.0M; mortgage segment posts pre-tax loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2022 net income $5.3M ($0.25 diluted EPS) vs $19.0M ($0.79) a year ago; nine-month EPS $0.83 vs $2.43.","Mortgage banking segment pre-tax loss of $1.8M vs $15.6M profit in Q3 2021; loan originations fell 26.9% to $778.8M.","Community banking net interest income rose 10.1% to $15.5M; net interest margin expanded 66 bps to 3.34%.","Declared $0.20 per share dividend; repurchased ~425,000 shares at avg $17.05 during quarter.","Book value per share $16.86, down from $17.45 at Dec 2021, due to unrealized securities losses."],"consensus_eps_estimate":null,"consensus_eps_actual":0.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353595,"accession_number":"0001437749-22-023114","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-09-27T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.20/share quarterly dividend payable Nov 1","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.20 per common share declared by Board of Directors on September 27, 2022.","Dividend payable on November 1, 2022 to shareholders of record as of October 10, 2022.","Consistent with prior quarter's dividend; no change in payout rate announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353594,"accession_number":"0001437749-22-017522","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q2 net income drops to $8.0M from $17.9M; EPS $0.36 vs $0.74","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.0M ($0.36 diluted) vs $17.9M ($0.74) in Q2 2021; six-month EPS $0.58 vs $1.64.","Mortgage banking pre-tax income $2.3M vs $14.2M; originations $778.8M (-26.9% YoY); gross margin 3.76% vs 4.81%.","Community banking pre-tax income $8.0M (-17.7% YoY); net interest margin up 24bp to 3.02%.","Repurchased ~1.4M shares for $24.2M during Q2; dividend declared $0.20/share.","Nonperforming assets 0.39% of total assets vs 0.20% a year ago; past due loans 0.60%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.58,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.78,"calibrated_materiality_score":0.78,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":371330,"accession_number":"0001437749-22-015748","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-06-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Waterstone Financial declares $0.20 quarterly cash dividend, payable August 2, 2022","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["$0.20 per common share regular quarterly cash dividend declared.","Record date for shareholders: July 11, 2022.","Dividend payable on August 2, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":371329,"accession_number":"0001437749-22-013054","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-05-19T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Waterstone Financial shareholders elect directors, ratify auditor, approve exec comp at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders elected Ellen Bartel (16.6M for, 0.9M withheld) and Kristine Rappé (17.1M for, 0.4M withheld) to board through 2025.","Approved ratification of CliftonLarsonAllen LLP as auditor for FY2022 with 21.1M for, 0.1M against.","Advisory vote on executive compensation passed with 16.5M for, 0.7M against, 0.3M abstentions.","Total shares eligible to vote: 24,197,131 as of record date March 23, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":371328,"accession_number":"0001437749-22-009416","cik":1569994,"company_name":"Waterstone Financial, Inc.","ticker":"WSBF","form_type":"8-K","filed_at":"2022-04-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Waterstone Financial Q1 net income $5.3M vs $21.3M; mortgage pre-tax income drops to $1.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.3M ($0.23 diluted EPS) vs $21.3M ($0.89) in Q1 2021, down 75%.","Community banking pre-tax income $5.4M, down 40.6% from $9.1M; net interest margin fell to 2.38% from 2.80%.","Mortgage banking pre-tax income $1.4M vs $19.1M; originations down 36.5% to $708.5M, purchase mix 77%.","Adopted CECL on Jan 1, 2022, reducing retained earnings by $1.4M after tax; allowance for credit losses increased.","Declared $0.20/share dividend; repurchased ~681k shares for $13.8M during quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":328750000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-04-21T23:59:59+00:00|371328"}