Waterstone Financial, Inc.
WSBF · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $199,380 | $176,965 | $171,056 | $268,468 |
| % Growth | 12.7% | 3.5% | -36.3% | – |
| Cost of Goods Sold | $66,832 | $49,649 | $14,259 | $10,378 |
| Gross Profit | $132,548 | $127,316 | $156,797 | $258,090 |
| % Margin | 66.5% | 71.9% | 91.7% | 96.1% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $81,078 | $84,096 | $99,565 | $135,115 |
| SG&A Expenses | $84,632 | $87,875 | $103,541 | $138,643 |
| Sales & Mktg Exp. | $3,554 | $3,779 | $3,976 | $3,528 |
| Other Operating Expenses | $23,914 | $28,409 | $28,777 | $27,341 |
| Operating Expenses | $108,546 | $116,284 | $132,318 | $165,984 |
| Operating Income | $24,002 | $11,032 | $24,479 | $92,106 |
| % Margin | 12% | 6.2% | 14.3% | 34.3% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $24,002 | $11,032 | $24,479 | $92,106 |
| Tax Expense | $5,314 | $1,657 | $4,992 | $21,315 |
| Net Income | $18,688 | $9,375 | $19,487 | $70,791 |
| % Margin | 9.4% | 5.3% | 11.4% | 26.4% |
| EPS | 1.01 | 0.47 | 0.89 | 2.98 |
| % Growth | 114.9% | -47.2% | -70.1% | – |
| EPS Diluted | 1.01 | 0.46 | 0.89 | 2.96 |
| Weighted Avg Shares Out | 18,556 | 20,158 | 21,884 | 23,741 |
| Weighted Avg Shares Out Dil | 18,589 | 20,196 | 22,010 | 23,931 |
| Supplemental Information | – | – | – | – |
| Interest Income | $113,168 | $99,208 | $70,245 | $69,883 |
| Interest Expense | $67,000 | $48,993 | $13,291 | $14,368 |
| Depreciation & Amortization | $2,474 | $3,301 | $4,033 | $6,048 |
| EBITDA | $26,476 | $14,333 | $28,512 | $98,160 |
| % Margin | 13.3% | 8.1% | 16.7% | 36.6% |