---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-013174"
form_type: "8-K"
ticker: "WSBF"
cik: "0001569994"
company_name: "Waterstone Financial, Inc."
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:33:54.783686+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Waterstone Financial Reports Q1 2026 Net Income of $6.0M, Up from $3.0M Year Ago

## Summary
- Net income of $6.0M ($0.34 per diluted share) for Q1 2026 vs. $3.0M ($0.17 per share) in Q1 2025.
- Community banking net interest income rose 22.8% to $15.2M, with net interest margin expanding to 2.97%.
- Mortgage banking loan originations increased 31.1% to $508.3M, turning pre-tax loss of $2.2M to profit of $22,000.
- Repurchased ~246,000 shares at $17.89 per share and declared increased quarterly dividend of $0.17 per share.
- Book value per share increased to $19.19 from $19.03 at year-end 2025.

## SEC filing metadata
- accession: 0001437749-26-013174
- form_type: 8-K
- ticker: WSBF
- cik: 0001569994
- company_name: Waterstone Financial, Inc.
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1569994/000143774926013174/0001437749-26-013174-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1569994/000143774926013174/wsbf20260301_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-013174
- JSON: https://secwatch.observer/filing/0001437749-26-013174.json
- Plain text: https://secwatch.observer/filing/0001437749-26-013174.txt

## Key facts
- Earnings Releases
  Waterstone Financial, Inc. reported the quarter ended March 31, 2026 results: net income $6.0 million, EPS $0.34 per diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $6.0 million
  - EPS: $0.34 per diluted share
  - Result: reported results
  source text: for the Three Months Ended March 31, 2026 . WAUWATOSA, WI – 4/23/26– Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $6.0 million, or $0.34 per diluted share, for the quarter ended March 31, 2026 compared to $3.0 million, or $0.17 per diluted share, for the quarter ended March 31, 2025 . Net income totaled
  evidence_url: https://www.sec.gov/Archives/edgar/data/1569994/000143774926013174/0001437749-26-013174-index.htm

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