{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031619","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.782778+00:00","generated_at":"2026-05-17T02:30:07.926573+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Waterstone Financial Q3 net income $7.9M, EPS $0.45 up 73% YoY; NIM expands 63 bps","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031619","json":"https://secwatch.observer/filing/0001437749-25-031619.json","markdown":"https://secwatch.observer/filing/0001437749-25-031619.md","text":"https://secwatch.observer/filing/0001437749-25-031619.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925031619/0001437749-25-031619-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925031619/wsbf20250819_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:30:07.926573+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"}