{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-013957","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.013734+00:00","generated_at":"2026-06-03T04:24:16.190320+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Waterstone Financial Q1 net income $3.0M ($0.16 EPS) vs $2.2M ($0.10) YoY; one-time tax charge $0.04","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-013957","json":"https://secwatch.observer/filing/0001437749-24-013957.json","markdown":"https://secwatch.observer/filing/0001437749-24-013957.md","text":"https://secwatch.observer/filing/0001437749-24-013957.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924013957/0001437749-24-013957-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924013957/wsbf20240327_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T04:24:16.190320+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":"a7173549f00dba698f188d704a0e17a0378afe24","claim":"Waterstone Financial, Inc. reported the quarter ended March 31, 2024 results: net income $3.0 million, EPS $0.16 per diluted share.","evidence_excerpt":"reported net income of $3.0 million, or $0.16 per diluted share, for the quarter ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1569994/000143774924013957/0001437749-24-013957-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$3.0 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"}