Waterstone Financial Q1 net income $3.0M, EPS $0.17; community banking pre-tax up 42%

Waterstone Financial, Inc.

2025-Q1 EPS reported $0.17

Consolidated net income $3.0M ($0.17 diluted EPS) vs $3.0M ($0.16) YoY; ROAA 0.57%.
Community Banking pre-tax income $6.1M, up 42% YoY; net interest margin up 32 bps to 2.47%.
Mortgage Banking pre-tax loss $2.2M vs income $0.37M YoY; originations down 20% to $387.7M.
Mortgage banking legal expense elevated; final settlement of previously disclosed lawsuit with $1.3M accrual.
Repurchased ~237,000 shares at $13.37/share during quarter; dividend $0.15 per share.

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