---
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"
generated_at: "2026-05-16T06:59:30.045005+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002305
- JSON: https://secwatch.observer/filing/0001437749-26-002305.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002305.txt

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