---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-031761"
form_type: "8-K"
ticker: "WSBF"
cik: "0001569994"
company_name: "Waterstone Financial, Inc."
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:39:04.308707+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Waterstone Financial Q3 net income $4.7M ($0.26 EPS) vs $3.3M a year ago

## Summary
- Net income $4.7M ($0.26 diluted EPS) for Q3 2024, up from $3.3M ($0.16 EPS) in Q3 2023.
- Community Banking pre-tax income $5.6M; net interest margin 2.13% down 13 bps YoY but up 12 bps from Q2.
- Mortgage Banking pre-tax income $144K vs $2.1M loss a year ago; originations $558.7M, down 6.5% YoY.
- Dividend declared $0.15/share; repurchased 71,000 shares at $13.75/share in the quarter.
- Book value per share $17.58; nonperforming assets 0.25% of total assets; past due loans 0.63%.

## SEC filing metadata
- accession: 0001437749-24-031761
- form_type: 8-K
- ticker: WSBF
- cik: 0001569994
- company_name: Waterstone Financial, Inc.
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1569994/000143774924031761/0001437749-24-031761-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1569994/000143774924031761/wsbf20240815_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-031761
- JSON: https://secwatch.observer/filing/0001437749-24-031761.json
- Plain text: https://secwatch.observer/filing/0001437749-24-031761.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.