Waterstone Financial, Inc. (WSBF) stock
WSBFNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 16/304% below fair value
$20.14+0.06 (+0.30%)
Close on Nov 12, 2026Market cap $362.06MP/E 11.7Yield 2.98%
Waterstone Financial profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Waterstone Financial's profit margin for the twelve months ending Jun 30, 2026 was 20.0%. For fiscal 2025 it was 18.6%, against 13.8% the year before. The highest annual figure on record is 27.4% in fiscal 2021.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 18.6% | +4.8 |
| FY2024 | Dec 31, 2024 | 13.8% | +6.7 |
| FY2023 | Dec 31, 2023 | 7.1% | −4.9 |
| FY2022 | Dec 31, 2022 | 12.0% | −15.4 |
| FY2021 | Dec 31, 2021 | 27.4% | +0.1 |
| FY2020 | Dec 31, 2020 | 27.3% | +7.6 |
| FY2019 | Dec 31, 2019 | 19.6% | +1.8 |
| FY2018 | Dec 31, 2018 | 17.8% | +3.0 |
| FY2017 | Dec 31, 2017 | 14.8% | −0.2 |
| FY2016 | Dec 31, 2016 | 15.0% | +3.5 |
| FY2015 | Dec 31, 2015 | 11.6% | +1.4 |
| FY2014 | Dec 31, 2014 | 10.1% | −1.5 |
| FY2013 | Dec 31, 2013 | 11.6% | −14.6 |
| FY2012 | Dec 31, 2012 | 26.2% | +34.5 |
| FY2011 | Dec 31, 2011 | -8.3% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q2 FY2026 | Jun 30, 2026 | 21.0% | +0.7 |
| Q1 FY2026 | Mar 31, 2026 | 16.8% | +6.6 |
| Q4 FY2025 | Dec 31, 2025 | 20.8% | +4.4 |
| Q3 FY2025 | Sep 30, 2025 | 21.4% | +7.5 |
| Q2 FY2025 | Jun 30, 2025 | 20.3% | +4.9 |
| Q1 FY2025 | Mar 31, 2025 | 10.2% | +0.9 |
| Q4 FY2024 | Dec 31, 2024 | 16.4% | +16.5 |
| Q3 FY2024 | Sep 30, 2024 | 13.9% | +4.4 |
| Q2 FY2024 | Jun 30, 2024 | 15.4% | +4.3 |
| Q1 FY2024 | Mar 31, 2024 | 9.4% | +2.7 |
| Q4 FY2023 | Dec 31, 2023 | -0.1% | −3.0 |
| Q3 FY2023 | Sep 30, 2023 | 9.5% | −2.8 |
| Q2 FY2023 | Jun 30, 2023 | 11.1% | −6.6 |
| Q1 FY2023 | Mar 31, 2023 | 6.7% | −6.0 |
| Q4 FY2022 | Dec 31, 2022 | 2.9% | −19.9 |
| Q3 FY2022 | Sep 30, 2022 | 12.3% | −16.0 |
| Q2 FY2022 | Jun 30, 2022 | 17.6% | −9.4 |
| Q1 FY2022 | Mar 31, 2022 | 12.7% | −17.7 |
| Q4 FY2021 | Dec 31, 2021 | 22.7% | −10.3 |
| Q3 FY2021 | Sep 30, 2021 | 28.3% | −1.1 |
| Q2 FY2021 | Jun 30, 2021 | 27.0% | +0.8 |
| Q1 FY2021 | Mar 31, 2021 | 30.4% | +16.6 |
| Q4 FY2020 | Dec 31, 2020 | 33.1% | +14.3 |
| Q3 FY2020 | Sep 30, 2020 | 29.5% | +7.9 |
| Q2 FY2020 | Jun 30, 2020 | 26.1% | +6.1 |
| Q1 FY2020 | Mar 31, 2020 | 13.8% | −3.8 |
| Q4 FY2019 | Dec 31, 2019 | 18.7% | +4.2 |
| Q3 FY2019 | Sep 30, 2019 | 21.6% | +3.4 |
| Q2 FY2019 | Jun 30, 2019 | 20.0% | −0.0 |
| Q1 FY2019 | Mar 31, 2019 | 17.6% | −0.6 |
| Q4 FY2018 | Dec 31, 2018 | 14.5% | +7.0 |
| Q3 FY2018 | Sep 30, 2018 | 18.2% | +2.1 |
| Q2 FY2018 | Jun 30, 2018 | 20.0% | +2.2 |
| Q1 FY2018 | Mar 31, 2018 | 18.1% | +0.8 |
| Q4 FY2017 | Dec 31, 2017 | 7.5% | −7.3 |
| Q3 FY2017 | Sep 30, 2017 | 16.0% | +0.6 |
| Q2 FY2017 | Jun 30, 2017 | 17.9% | – |
| Q1 FY2017 | Mar 31, 2017 | 17.4% | – |
| Q4 FY2016 | Dec 31, 2016 | 14.8% | – |
| Q3 FY2016 | Sep 30, 2016 | 15.4% | – |
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