Waterstone Financial Q4 2025 net income $7.7M ($0.44 EPS), up from $5.2M ($0.28) YoY

Waterstone Financial, Inc.

2025-FY EPS reported $1.48

Net income $7.7M vs $5.2M in Q4 2024; diluted EPS $0.44 vs $0.28.
Community Banking pre-tax income $9.1M (+35.5% YoY); net interest margin 2.89% (+47 bps).
Mortgage Banking pre-tax income $900K vs loss of $625K YoY; originations $534.6M (+13.6%).
Dividend declared $0.15/share; repurchased ~174K shares for $2.7M during quarter.
Book value per share $19.03 (Dec 2025) vs $17.53 (Dec 2024), up $1.50.

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