{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-002553","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2024-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.651701+00:00","generated_at":"2026-06-06T15:00:55.027175+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 Financial reports Q4 net loss of $40K, EPS $0.00; FY EPS down 48% to $0.46","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-002553","json":"https://secwatch.observer/filing/0001437749-24-002553.json","markdown":"https://secwatch.observer/filing/0001437749-24-002553.md","text":"https://secwatch.observer/filing/0001437749-24-002553.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924002553/0001437749-24-002553-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924002553/wsbf20231127_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T15:00:55.027175+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":"2d3f8ab3fc10d819eaf9b4bf3c1795f9fdb4d56e","claim":"Waterstone Financial, Inc. reported the quarter ended December 31, 2023 results: net income net loss of $40,000, or less than $0.01 per diluted share, EPS less than $0.01 per diluted share.","evidence_excerpt":"reported a net loss of $40,000, or less than $0.01 per diluted share, for the quarter ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924002553/0001437749-24-002553-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"net loss of $40,000, or less than $0.01 per diluted share"},{"label":"EPS","value":"less than $0.01 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"8cd6adf3854f451f97ff692b08ab140ad63bba08","claim":"Waterstone Financial, Inc. reported the twelve months ended December 31, 2023 results: EPS Net income per diluted share was $0.46 for the twelve months ended December 31, 2023.","evidence_excerpt":"Net income per diluted share was $0.46 for the twelve months ended December 31, 2023 compared to net income per diluted share of $0.89 for the twelve months ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924002553/0001437749-24-002553-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the twelve months ended December 31, 2023"},{"label":"EPS","value":"Net income per diluted share was $0.46 for the twelve months ended December 31, 2023"},{"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"}