Waterstone Financial Q3 net income $7.9M, EPS $0.45 up 73% YoY; NIM expands 63 bps

Waterstone Financial, Inc.

2025-Q3 EPS reported $1.04

Net income $7.9M ($0.45 diluted) vs $4.7M ($0.26) a year ago; sequential rise from $7.7M ($0.43).
Community Banking pre-tax income $8.4M (+49.4% YoY) as net interest margin widened 63 bps to 2.76%.
Mortgage Banking pre-tax income $1.3M vs $144K; loan originations $539.4M (90% purchase mix).
Repurchased ~270K shares at $14.15 for $3.8M; book value rose $0.61 to $18.65 per share.
Quarterly dividend $0.15 per share; nonperforming assets remained low at 0.27% of total assets.

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