Waterstone Financial, Inc. (WSBF) Earnings History
Turnaround23 years of earnings data (2003–2025) · Recovering earnings after a multi-year decline
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Waterstone Financial, Inc. (WSBF) Earnings Overview
As of June 30, 2026, Waterstone Financial, Inc. (WSBF) reported trailing twelve-month net income of $29M, reflecting +46.5% year-over-year growth. The company earned $1.68 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 ($184M net income, 19.5% margin), BSVN ($45M net income, 31.4% margin), LKFN ($110M 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% |
| 2015 | $17M | +30.1% | $26M | $0.56 | 10.0% | 15.5% |
| 2014 | $13M | -13.4% | $20M | $0.38 | 8.6% | 13.4% |
| 2013 | $15M | -57.9% | $23M | $0.43 | 9.8% | 15.5% |
| 2012 | $35M | +567.2% | $23M | $1.02 | 21.7% | 14.1% |
| 2011 | -$7M | -303.1% | -$7M | $-0.22 | -6.1% | -5.6% |
| 2010 | -$2M | +81.7% | -$2M | $-0.05 | -1.4% | -1.4% |
| 2009 | -$10M | +61.7% | -$11M | $-0.26 | -9.1% | -10.2% |
| 2008 | -$26M | -1797.4% | -$24M | $-0.79 | -23.5% | -21.5% |
| 2007 | $2M | -80.7% | $1M | $0.05 | 1.5% | 1.3% |
| 2006 | $8M | +48.4% | $13M | $0.22 | 8.3% | 13.1% |
| 2005 | $5M | -40.5% | $8M | $0.15 | 6.1% | 9.4% |
| 2004 | $9M | -13.9% | $17M | $0.25 | 22.5% | 41.0% |
| 2003 | $11M | - | $15M | $0.29 | 29.1% | 42.5% |
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WSBF — Frequently Asked Questions
Quick answers to the most common questions about buying WSBF stock.
What is WSBF earnings per share (EPS)?
WSBF trailing twelve-month (TTM) diluted EPS is $1.68, reflecting +46.5% year-over-year growth. The 5-year EPS CAGR is -14.8%. Complete EPS history from 2003 to 2025 is available in the table on this page.
What is Waterstone Financial, Inc.'s net income?
Waterstone Financial, Inc. (WSBF) trailing twelve-month net income is $29M as of 2025. Earnings grew +46.5% year-over-year. Waterstone Financial, Inc. has been profitable for 14 consecutive years.
Is WSBF profitable?
Yes, WSBF is profitable with a TTM net income of $29M and a net profit margin of +13.1%. Waterstone Financial, Inc. has generated profits for 14 consecutive years.
What is WSBF's earnings growth rate?
WSBF compound annual EPS growth rates (CAGR): 1-Year: +46.5%, 3-Year: +18.5%, 5-Year: -14.8%, 10-Year: +10.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2003 to 2025.
What are WSBF's profit margins?
Waterstone Financial, Inc. net profit margin is +13.1%, operating margin is +16.6%, and gross margin is +71.2%. Margins are within a typical range for the sector. Return on Equity is +7.7%.
Is WSBF growing earnings?
Yes, WSBF earnings are accelerating — EPS growth of +46.5% exceeds the 5-year CAGR of -14.8%. TTM net income reached $29M. Earnings momentum is strengthening.
What was WSBF's best earnings year?
Waterstone Financial, Inc.'s highest annual net income on record is $81M, achieved in fiscal year 2020. Earnings history on this page spans 2003 to 2025 and includes all annual and quarterly figures.
What were WSBF's earnings last quarter?
WSBF's most recent reported quarter was Q1 2026. Net income was $6M with diluted EPS of $0.34. For a full breakdown of all quarters, see the quarterly earnings table on this page.