Waterstone Financial, Inc. (WSBF) Earnings History
Annual and quarterly earnings data from 2003 to 2025
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WSBF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
WSBF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 71.2% | 16.6% | 13.1% |
| 2024 | 66.5% | 12.0% | 9.4% |
| 2023 | 71.9% | 6.2% | 5.3% |
| 2022 | 91.7% | 14.3% | 11.4% |
| 2021 | 96.1% | 34.3% | 26.4% |
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Waterstone Financial, Inc. (WSBF) Earnings Overview
As of May 8, 2026, Waterstone Financial, Inc. (WSBF) reported trailing twelve-month net income of $26M, reflecting +46.5% year-over-year growth. The company earned $1.48 per diluted share over the past four quarters, with a net profit margin of 13.1%.
Looking at the long-term picture, WSBF's 5-year EPS compound annual growth rate (CAGR) stands at -14.8%, signaling declining earnings. The company achieved its highest annual net income of $81M in fiscal 2020.
Waterstone Financial, Inc. maintains positive profitability with a gross margin of 71.2%, operating margin of 16.6%, and net margin of 13.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), BSVN ($43M net income, 31.4% margin), LKFN ($103M net income, 24.5% margin), WSBF has room to improve margins relative to the peer group. Compare WSBF vs NBTB →
WSBF Earnings vs Peers
Earnings metrics vs comparable public companies
WSBF Historical Earnings Data (2003–2025)
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $26M | +41.3% | $33M | $1.48 | 13.1% | 16.6% |
| 2024 | $19M | +99.3% | $24M | $1.01 | 9.4% | 12.0% |
| 2023 | $9M | -51.9% | $11M | $0.46 | 5.3% | 6.2% |
| 2022 | $19M | -72.5% | $24M | $0.89 | 11.4% | 14.3% |
| 2021 | $71M | -12.8% | $92M | $2.96 | 26.4% | 34.3% |
| 2020 | $81M | +126.0% | $108M | $3.30 | 25.5% | 34.0% |
| 2019 | $36M | +16.7% | $48M | $1.37 | 17.3% | 23.0% |
| 2018 | $31M | +18.4% | $40M | $1.11 | 16.3% | 21.4% |
| 2017 | $26M | +1.7% | $44M | $0.93 | 13.8% | 23.6% |
| 2016 | $26M | +54.1% | $42M | $0.93 | 13.6% | 22.4% |
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Start ComparisonWSBF — Frequently Asked Questions
Quick answers to the most common questions about buying WSBF stock.
Is WSBF growing earnings?
WSBF EPS is $1.48, with earnings growth accelerating to +46.5%. This exceeds the 5-year CAGR of -14.8%. TTM net income reached $26M.
What are WSBF's profit margins?
Waterstone Financial, Inc. net margin is +13.1%, with operating margin at +16.6%. Margins sit within typical range for the sector.
How consistent are WSBF's earnings?
WSBF earnings data spans 2003-2025. The accelerating earnings trend is +46.5% YoY. Historical data enables comparison across business cycles.