---
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"
generated_at: "2026-05-17T02:30:07.926573+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031619
- JSON: https://secwatch.observer/filing/0001437749-25-031619.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031619.txt

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