{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-024790","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.212539+00:00","generated_at":"2026-06-23T00:49:36.020979+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Waterstone Financial Q3 net income falls to $5.3M ($0.25/sh) from $19.0M; mortgage segment posts pre-tax loss","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-024790","json":"https://secwatch.observer/filing/0001437749-22-024790.json","markdown":"https://secwatch.observer/filing/0001437749-22-024790.md","text":"https://secwatch.observer/filing/0001437749-22-024790.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774922024790/0001437749-22-024790-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774922024790/wsbf20220829_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:49:36.020979+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}