WSBF Waterstone Financial, Inc.

CIK 0001569994 50 ready 8-Ks latest July 23, 2026, 4:00 PM ET RSS · JSON

Activity: QUIET 0 filings / 30d vs 1 baseline

Ready 8-Ks 50

Latest filing July 23, 2026, 4:00 PM ET

Top materiality 0.85

Event mix earnings ×18 · dividend ×17 · other_material ×6

Sentiment 13 pos · 8 neg · 29 neu

Latest earnings reported 2026-Q1

Executive change recent →

Recent 8-K filings for WSBF

Highest-materiality recent filing

Waterstone Financial Q3 net income falls to $5.3M ($0.25/sh) from $19.0M; mortgage segment posts pre-tax loss

October 26, 2022, 7:59 PM ET earnings materiality 0.85 negative item 2.02 item 9.01

Q3 2022 net income $5.3M ($0.25 diluted EPS) vs $19.0M ($0.79) a year ago; nine-month EPS $0.83 vs $2.43.
Mortgage banking segment pre-tax loss of $1.8M vs $15.6M profit in Q3 2021; loan originations fell 26.9% to $778.8M.

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July 23, 2026, 4:00 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

Waterstone Financial Q2 net income rises to $8.5M; NIM hits 3.03%, highest since 2022

Net income $8.5M ($0.49 diluted EPS) vs $7.7M ($0.43) in Q2 2025, up 10.4%.
June 23, 2026, 4:00 PM ET dividend materiality 0.40 neutral item 8.01 item 9.01

Waterstone Financial declares $0.17 quarterly cash dividend payable Aug 3, 2026

Board declared regular quarterly cash dividend of $0.17 per common share on June 23, 2026.
May 19, 2026, 4:25 PM ET other materiality 0.10 neutral item 5.07 ◈ Shareholder Votes ×4

Waterstone Financial shareholders elect three directors, ratify auditor, approve say-on-pay

Elected Stephen Schmidt, Derek Tyus, Molly Mulroy as directors each to a 3-year term (2029).
April 27, 2026, 7:59 PM ET other material materiality 0.60 positive item 8.01 item 9.01

Waterstone Financial expands buyback by 2M shares, totaling ~11.9% of outstanding

Board authorized repurchase of up to an additional 2,000,000 shares under existing program.
April 23, 2026, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 9.01 ◈ Earnings Releases

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

Net income of $6.0M ($0.34 per diluted share) for Q1 2026 vs. $3.0M ($0.17 per share) in Q1 2025.
March 17, 2026, 7:59 PM ET dividend materiality 0.55 positive item 8.01 item 9.01

Waterstone Financial raises quarterly cash dividend 13.3% to $0.17 per share

Board declared quarterly cash dividend of $0.17 per common share, a 13.3% increase from prior dividend.
January 28, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

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

Net income $7.7M vs $5.2M in Q4 2024; diluted EPS $0.44 vs $0.28.
December 18, 2025, 6:59 PM ET dividend materiality 0.50 neutral item 8.01 item 9.01

Waterstone Financial declares regular quarterly dividend of $0.15/share

Dividend of $0.15 per common share declared by Board on December 18, 2025.
October 23, 2025, 7:59 PM ET earnings materiality 0.80 positive item 2.02 item 9.01

Waterstone Financial Q3 net income $7.9M, EPS $0.45 up 73% YoY; NIM expands 63 bps

Net income $7.9M ($0.45 diluted) vs $4.7M ($0.26) a year ago; sequential rise from $7.7M ($0.43).
October 21, 2025, 7:59 PM ET leadership materiality 0.30 neutral item 5.02

Waterstone Financial Director Michael Hansen to Retire; Piotrowski Named Audit Committee Chair

Michael Hansen resigns as Audit Committee Chair effective Oct 21, 2025; will retire from Board on Dec 31, 2025.
September 23, 2025, 7:59 PM ET dividend materiality 0.50 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15/share regular quarterly dividend

Dividend of $0.15 per common share declared by Board on Sept 23, 2025.
July 22, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

Waterstone Financial Q2 net income $7.7M ($0.43 EPS) vs $5.7M ($0.31) YoY; NIM expands 59 bps

Pre-tax income in Community Banking up 50.4% YoY to $7.6M; net interest income rose 21.4% to $13.6M.
July 9, 2025, 7:59 PM ET leadership materiality 0.35 positive item 5.02 item 9.01

Waterstone Financial elects Molly Mulroy and Laura Piotrowski to Board

Elected effective July 22, 2025; Mulroy to serve until 2026 annual meeting, Piotrowski until 2028.
June 17, 2025, 7:59 PM ET dividend materiality 0.25 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15 quarterly dividend payable Aug 1, 2025

Regular quarterly cash dividend of $0.15 per common share declared by Board on June 17, 2025.
May 20, 2025, 7:59 PM ET other materiality 0.10 neutral item 5.02

Waterstone Financial holds 2025 Annual Meeting; all proposals approved

Shareholders elected Ellen S. Bartel to Board with 12,079,443 votes for and 1,950,360 withheld (to 2028).
April 22, 2025, 7:59 PM ET earnings materiality 0.55 neutral item 2.02 item 9.01

Waterstone Financial Q1 net income $3.0M, EPS $0.17; community banking pre-tax up 42%

Consolidated net income $3.0M ($0.17 diluted EPS) vs $3.0M ($0.16) YoY; ROAA 0.57%.
April 17, 2025, 7:59 PM ET leadership materiality 0.55 neutral item 5.02 item 9.01 ◈ executive_change

Director Michael Hansen to retire after 22 years; stays until successor elected

Michael Hansen, director since 2003, will retire from Waterstone Financial board.
March 20, 2025, 7:59 PM ET dividend materiality 0.25 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15 quarterly dividend payable May 1

Regular quarterly cash dividend of $0.15 per common share declared on March 20, 2025.
January 28, 2025, 6:59 PM ET earnings materiality 0.60 neutral item 2.02 item 9.01

Waterstone Financial Q4 net income $5.2M ($0.28 EPS) vs Q4 2023 loss; full-year EPS $1.01

Quarter ended Dec 31, 2024 net income of $5.2M ($0.28 diluted EPS) vs net loss of $40K in Q4 2023.
December 19, 2024, 6:59 PM ET dividend materiality 0.25 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15 regular quarterly dividend payable Feb 3, 2025

Regular quarterly cash dividend of $0.15 per common share declared.
October 22, 2024, 7:59 PM ET earnings materiality 0.60 positive item 2.02 item 9.01

Waterstone Financial Q3 net income $4.7M ($0.26 EPS) vs $3.3M a year ago

Net income $4.7M ($0.26 diluted EPS) for Q3 2024, up from $3.3M ($0.16 EPS) in Q3 2023.
September 24, 2024, 7:59 PM ET dividend materiality 0.40 positive item 8.01 item 9.01

Waterstone Financial declares regular quarterly dividend of $0.15 per share

Board declared $0.15 quarterly dividend on September 24, 2024.
July 25, 2024, 7:59 PM ET earnings materiality 0.60 positive item 2.02 item 9.01

Waterstone Financial Q2 2024 net income rises to $5.7M ($0.31 EPS) from $4.0M YoY

Net income $5.7M ($0.31 diluted EPS) vs $4.0M ($0.20) in Q2 2023; six-month EPS $0.47 vs $0.30.
June 18, 2024, 7:59 PM ET dividend materiality 0.50 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15 quarterly cash dividend

Dividend of $0.15 per common share declared on June 18, 2024
May 21, 2024, 7:59 PM ET other materiality 0.05 neutral item 5.07

Waterstone Financial shareholders elect directors, ratify auditor, approve say-on-pay at 2024 annual meeting

Shareholders elected Douglas S. Gordon (12.6M for, 1.6M withheld) and Patrick S. Lawton (12.4M for, 1.8M withheld) to 3-year terms.
April 30, 2024, 7:59 PM ET earnings materiality 0.55 neutral item 2.02 item 9.01 ◈ Earnings Releases

Waterstone Financial Q1 net income $3.0M ($0.16 EPS) vs $2.2M ($0.10) YoY; one-time tax charge $0.04

Community Banking pre-tax income $4.3M, down 33.5% YoY; net interest margin fell 73 bps to 2.15%.
April 25, 2024, 7:59 PM ET leadership materiality 0.40 neutral item 5.02 item 9.01

Waterstone Financial enters employment agreement with President and CEO Jeffrey McGuiness

President and CEO Jeffrey McGuiness signs employment agreement effective April 24, 2024 through Dec 31, 2026.
April 23, 2024, 7:59 PM ET other material materiality 0.55 positive item 8.01 item 9.01

Waterstone Financial expands buyback by 2M shares; total now 2.2M shares (11.2% of outstanding)

Board authorized repurchase of up to an additional 2,000,000 shares under existing program.
March 22, 2024, 7:59 PM ET dividend materiality 0.50 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15 quarterly cash dividend

Dividend of $0.15 per common share declared by Board on March 21, 2024.
January 30, 2024, 6:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

Waterstone Financial reports Q4 net loss of $40K, EPS $0.00; FY EPS down 48% to $0.46

Net loss of $40K in Q4 2023 vs net income of $935K in Q4 2022; diluted EPS less than $0.01.
December 21, 2023, 6:59 PM ET dividend materiality 0.50 neutral item 8.01 item 9.01

Waterstone Financial declares $0.15 quarterly cash dividend payable Feb 1, 2024

Regular quarterly dividend of $0.15 per common share declared on Dec 21, 2023.
October 24, 2023, 7:59 PM ET earnings materiality 0.70 negative item 2.02 item 9.01 ◈ Earnings Releases

Waterstone Financial Q3 net income $3.3M ($0.16 EPS) vs $5.3M YoY; mortgage segment loss continues

Net income $3.3M ($0.16 diluted EPS) vs $5.3M ($0.25) in Q3 2022; nine-month EPS $0.46 vs $0.83.
September 26, 2023, 7:59 PM ET dividend materiality 0.55 neutral item 8.01 item 9.01

Waterstone Financial cuts quarterly dividend to $0.15/share, shifts capital to buybacks

Quarterly dividend reduced to $0.15 per share; payable Nov 1, 2023 to holders of record Oct 9, 2023.
July 25, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

Waterstone Q2 net income $4.0M ($0.20 EPS), down 50% YoY; mortgage banking loss continues

Net income $4.0M vs $8.0M YoY; diluted EPS $0.20 vs $0.36 YoY.
July 25, 2023, 7:59 PM ET leadership materiality 0.60 neutral item 5.02 item 9.01 ◈ executive_change ×2

Waterstone Financial CEO Douglas Gordon to retire Dec 31, 2023; William Bruss elected as successor

CEO Douglas Gordon to retire Dec 31, 2023; will remain on boards of Company, Bank, and Waterstone Mortgage.
June 29, 2023, 7:59 PM ET dividend materiality 0.25 neutral item 8.01 item 9.01

Waterstone Financial declares $0.20 quarterly dividend, payable Aug 2

Dividend of $0.20 per common share declared on June 29, 2023.
May 24, 2023, 7:59 PM ET other material materiality 0.55 positive item 8.01 item 9.01

Waterstone Financial authorizes repurchase of up to 2M shares (9.3% of outstanding)

Board authorized repurchase of up to 2,000,000 shares (approx. 9.3% of outstanding common stock).
May 18, 2023, 7:59 PM ET other material materiality 0.15 neutral item 5.07 ◈ Shareholder Votes ×3

Waterstone Financial shareholders elect three directors, ratify auditors, approve executive comp

Michael Hansen, Stephen Schmidt, Derek Tyus elected as directors until 2026; Hansen 13.9M for, Schmidt 11.95M for, Tyus 15.2M for.
April 25, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases

Waterstone Financial Q1 net income falls to $2.2M from $5.3M; mortgage segment posts $3.7M loss

Diluted EPS of $0.10 vs $0.23 YoY; consolidated ROAA 0.43% vs 1.00%.
March 22, 2023, 7:59 PM ET dividend materiality 0.25 neutral item 8.01 item 9.01

Waterstone declares $0.20 quarterly cash dividend, payable May 2 to holders of record April 10

Regular quarterly dividend of $0.20 per common share declared by Board on March 22, 2023.
March 3, 2023, 6:59 PM ET other materiality 0.25 neutral item 4.01 item 9.01 ◈ Auditor Changes

Waterstone Financial dismisses CLA, appoints FORVIS as new auditor

CLA completed 2022 audit with no adverse opinion or qualification.
January 26, 2023, 6:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases ×4

Waterstone Q4 net income drops to $935K ($0.04 EPS) from $12.6M; mortgage segment loss $6.5M

Net income $935K ($0.04 diluted EPS) vs $12.6M ($0.53) in Q4 2021; FY EPS $0.89 vs $2.96.
January 17, 2023, 6:59 PM ET other material materiality 0.50 neutral item 4.01 item 9.01 ◈ Auditor Changes ×2

Waterstone Financial replaces auditor CliftonLarsonAllen with FORVIS for FY2023

CLA will not stand for re-appointment after completing FY2022 audit due to CLA's decision to cease serving SEC registrants.
December 15, 2022, 6:59 PM ET dividend materiality 0.30 neutral item 8.01 item 9.01

Waterstone Financial declares $0.20 quarterly dividend, payable Feb 1, 2023

Regular quarterly cash dividend of $0.20 per common share declared by Board on Dec 15, 2022.
October 26, 2022, 7:59 PM ET earnings materiality 0.85 negative item 2.02 item 9.01

Waterstone Financial Q3 net income falls to $5.3M ($0.25/sh) from $19.0M; mortgage segment posts pre-tax loss

Q3 2022 net income $5.3M ($0.25 diluted EPS) vs $19.0M ($0.79) a year ago; nine-month EPS $0.83 vs $2.43.
September 27, 2022, 7:59 PM ET dividend materiality 0.30 neutral item 8.01 item 9.01

Waterstone Financial declares $0.20/share quarterly dividend payable Nov 1

Regular quarterly cash dividend of $0.20 per common share declared by Board of Directors on September 27, 2022.
July 21, 2022, 7:59 PM ET earnings materiality 0.78 negative item 2.02 item 9.01

Waterstone Financial Q2 net income drops to $8.0M from $17.9M; EPS $0.36 vs $0.74

Net income $8.0M ($0.36 diluted) vs $17.9M ($0.74) in Q2 2021; six-month EPS $0.58 vs $1.64.
June 23, 2022, 7:59 PM ET dividend materiality 0.30 neutral item 8.01 item 9.01

Waterstone Financial declares $0.20 quarterly cash dividend, payable August 2, 2022

$0.20 per common share regular quarterly cash dividend declared.
May 19, 2022, 7:59 PM ET other material materiality 0.15 neutral item 5.07

Waterstone Financial shareholders elect directors, ratify auditor, approve exec comp at annual meeting

Shareholders elected Ellen Bartel (16.6M for, 0.9M withheld) and Kristine Rappé (17.1M for, 0.4M withheld) to board through 2025.
April 21, 2022, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01

Waterstone Financial Q1 net income $5.3M vs $21.3M; mortgage pre-tax income drops to $1.4M

Net income $5.3M ($0.23 diluted EPS) vs $21.3M ($0.89) in Q1 2021, down 75%.