Waterstone Financial Q4 net income $5.2M ($0.28 EPS) vs Q4 2023 loss; full-year EPS $1.01

Waterstone Financial, Inc.

2024-FY EPS reported $1.01

Quarter ended Dec 31, 2024 net income of $5.2M ($0.28 diluted EPS) vs net loss of $40K in Q4 2023.
Community Banking pre-tax income $6.7M, up 26% YoY; net interest margin improved to 2.42%.
Mortgage Banking pre-tax loss $625K vs $6.0M loss prior year; origination volume up 2.7% to $470.7M.
Book value per share $17.53, up from $16.94; dividends declared $0.15 per share in Q4.
Repurchased ~194,000 shares at avg $14.43; nonperforming assets 0.28% of total assets.

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