{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-012679","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.819864+00:00","generated_at":"2026-05-23T09:17:04.534670+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Waterstone Financial Q1 net income $3.0M, EPS $0.17; community banking pre-tax up 42%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-012679","json":"https://secwatch.observer/filing/0001437749-25-012679.json","markdown":"https://secwatch.observer/filing/0001437749-25-012679.md","text":"https://secwatch.observer/filing/0001437749-25-012679.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925012679/0001437749-25-012679-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925012679/wsbf20250303_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:17:04.534670+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"}