{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-002018","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.032985+00:00","generated_at":"2026-05-27T08:20:45.741133+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Waterstone Financial Q4 net income $5.2M ($0.28 EPS) vs Q4 2023 loss; full-year EPS $1.01","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-002018","json":"https://secwatch.observer/filing/0001437749-25-002018.json","markdown":"https://secwatch.observer/filing/0001437749-25-002018.md","text":"https://secwatch.observer/filing/0001437749-25-002018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925002018/0001437749-25-002018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925002018/wsbf20241121_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:20:45.741133+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}