---
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"
generated_at: "2026-05-27T08:20:45.741133+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1569994/000143774925002018/0001437749-25-002018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1569994/000143774925002018/wsbf20241121_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-002018
- JSON: https://secwatch.observer/filing/0001437749-25-002018.json
- Plain text: https://secwatch.observer/filing/0001437749-25-002018.txt

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