{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002305","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.483887+00:00","generated_at":"2026-05-16T06:59:30.045005+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Waterstone Financial Q4 2025 net income $7.7M ($0.44 EPS), up from $5.2M ($0.28) YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002305","json":"https://secwatch.observer/filing/0001437749-26-002305.json","markdown":"https://secwatch.observer/filing/0001437749-26-002305.md","text":"https://secwatch.observer/filing/0001437749-26-002305.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774926002305/0001437749-26-002305-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774926002305/wsbf20251118_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:59:30.045005+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"}