{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-028846","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.569967+00:00","generated_at":"2026-06-09T14:07:29.064354+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Waterstone Financial Q3 net income $3.3M ($0.16 EPS) vs $5.3M YoY; mortgage segment loss continues","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-028846","json":"https://secwatch.observer/filing/0001437749-23-028846.json","markdown":"https://secwatch.observer/filing/0001437749-23-028846.md","text":"https://secwatch.observer/filing/0001437749-23-028846.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923028846/0001437749-23-028846-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923028846/wsbf20230816_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T14:07:29.064354+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":"f262d7140393ea70eef1768bca35819f1430fda0","claim":"Waterstone Financial, Inc. reported quarter ended September 30, 2023 results: net income $3.3 million, EPS $0.16 per diluted share.","evidence_excerpt":"Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.3 million, or $0.16 per diluted share for the quarter ended September 30, 2023 compared to $5.3 million, or $0.25 per diluted share for the quarter ended September 30, 2022 .","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1569994/000143774923028846/0001437749-23-028846-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended September 30, 2023"},{"label":"Net income","value":"$3.3 million"},{"label":"EPS","value":"$0.16 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"}