Waterstone Financial, Inc.
WSBF · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $51,170 | $52,197 | $43,932 | $47,571 |
| % Growth | -2% | 18.8% | -7.6% | – |
| Cost of Goods Sold | $14,548 | $14,968 | $14,621 | $16,584 |
| Gross Profit | $36,622 | $37,229 | $29,311 | $30,987 |
| % Margin | 71.6% | 71.3% | 66.7% | 65.1% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $20,534 | $500 | $1,736 | $18,423 |
| SG&A Expenses | $21,246 | $1,246 | $2,459 | $19,150 |
| Sales & Mktg Exp. | $712 | $746 | $723 | $727 |
| Other Operating Expenses | $5,532 | $26,314 | $22,971 | $5,631 |
| Operating Expenses | $26,778 | $27,560 | $25,430 | $24,781 |
| Operating Income | $9,844 | $9,669 | $3,881 | $6,206 |
| % Margin | 19.2% | 18.5% | 8.8% | 13% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $9,844 | $9,669 | $3,881 | $6,206 |
| Tax Expense | $1,918 | $1,942 | $845 | $996 |
| Net Income | $7,926 | $7,727 | $3,036 | $5,210 |
| % Margin | 15.5% | 14.8% | 6.9% | 11% |
| EPS | 0.44 | 0.43 | 0.17 | 0.28 |
| % Growth | 2.3% | 152.9% | -39.3% | – |
| EPS Diluted | 0.44 | 0.43 | 0.17 | 0.28 |
| Weighted Avg Shares Out | 17,962 | 17,989 | 18,267 | 18,335 |
| Weighted Avg Shares Out Dil | 17,985 | 18,004 | 18,280 | 18,396 |
| Supplemental Information | – | – | – | – |
| Interest Income | $29,556 | $28,685 | $27,755 | $29,052 |
| Interest Expense | $14,817 | $14,977 | $15,179 | $16,217 |
| Depreciation & Amortization | $591 | $560 | $711 | $593 |
| EBITDA | $10,435 | $10,229 | $4,592 | $6,799 |
| % Margin | 20.4% | 19.6% | 10.5% | 14.3% |