{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-020613","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2023-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.376746+00:00","generated_at":"2026-06-13T03:07:30.915452+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Waterstone Q2 net income $4.0M ($0.20 EPS), down 50% YoY; mortgage banking loss continues","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-020613","json":"https://secwatch.observer/filing/0001437749-23-020613.json","markdown":"https://secwatch.observer/filing/0001437749-23-020613.md","text":"https://secwatch.observer/filing/0001437749-23-020613.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923020613/0001437749-23-020613-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923020613/wsbf20230525_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:07:30.915452+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":[{"claim_id":"89f4f752fc4f35261b0a633b6a47b00f0999c6be","claim":"Waterstone Financial, Inc. reported the quarter ended June 30, 2023 results: net income $4.0 million, EPS $0.20 per diluted share.","evidence_excerpt":"Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $4.0 million, or $0.20 per diluted share for the quarter ended June 30, 2023 compared to $8.0 million, or $0.36 per diluted share for the quarter ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923020613/0001437749-23-020613-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$4.0 million"},{"label":"EPS","value":"$0.20 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d87757c10abe85cb1880e6a4b9ea4c2ddaa144ef","claim":"Waterstone Financial, Inc. reported the six months ended June 30, 2023 results: EPS $0.30 per diluted share.","evidence_excerpt":"Net income per diluted share was $0.30 for the six months ended June 30, 2023 compared to net income per diluted share of $0.58 for the six months ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923020613/0001437749-23-020613-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"EPS","value":"$0.30 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}