secwatch.observer — SEC 8-K summary
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Issuer:     Waterstone Financial, Inc. (WSBF)
CIK:        0001569994
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001437749-26-002305
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1569994/000143774926002305/0001437749-26-002305-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1569994/000143774926002305/wsbf20251118_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-002305

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer