Waterstone Financial Inc. (WSBF)
Summary
WSBF Chart
Waterstone Financial, Inc. (WSBF) Shareholder/Analyst Call Prepared Remarks Transcript
Waterstone Financial, Inc. (WSBF) Shareholder/Analyst Call Prepared Remarks Transcript
Waterstone Financial's Q1 Earnings Jump Y/Y on Mortgage Growth
WSBF doubles its Q1 earnings per share on a year-over-year basis on margin expansion and stronger mortgage activity, though higher compensation costs act as a partial offset.
WSBF's Q4 Earnings Jump 57% Y/Y on Margin Expansion, Credit Gains
Waterstone Financial posts strong Q4 2025 results, with EPS up 57%, boosted by rising net interest income, loan yield expansion and a return to profitability in Mortgage Banking.
Waterstone Financial Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| CE Curtis Ellergodt Rothschild Investment LLC | 152 | $2,302.89 | $3,006.56 | $703.67 | 30.56% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 339 | $6,112.17 | $6,698.64 | $586.47 | 9.6% |
 Donald Smith & Co Donald Smith & Co Inc. | 176,090 | $3.17M | $3.48M | $308,157.2 | 9.71% |
| CAL CSM Advisors LLC CSM Advisors LLC | 190,125 | $2.63M | $3.74M | $1.11M | 42.43% |
 Joseph Castro Nuveen LLC | 43,630 | $588,357.94 | $854,057.25 | $265,699.31 | 45.16% |
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Waterstone Financial Inc. Profile
| Banks Industry | Financials Sector | William F. Bruss CEO | NASDAQ (NGS) Exchange | 94188P101 CUSIP |
| US Country | 600 Employees | 8 Jul 2026 Last Dividend | 23 Jan 2014 Last Split | 5 Oct 2005 IPO Date |
Overview
Waterstone Financial, Inc. is recognized as a prominent banking holding company, predominantly serving customers within southeastern Wisconsin, USA. Its business is principally conducted through its subsidiary, WaterStone Bank SSB, which is dedicated to offering a wide array of financial services. The company strategically segments its operations into Community Banking and Mortgage Banking, allowing it to cater to a diverse range of customer needs in the financial spectrum. Initially established in 1921 and previously known as Wauwatosa Holdings, Inc., the company underwent a name change to Waterstone Financial, Inc. in August 2008. The corporate headquarters are strategically situated in Wauwatosa, Wisconsin, thereby reinforcing its strong local presence and commitment to the community it serves.
Products and Services
- Consumer and Business Banking Products and Services
Waterstone Financial provides comprehensive deposit and transactional solutions that include checking accounts, robust online banking, and bill pay services, convenient money transfer services, and a variety of credit, debit, and pre-paid cards. They also offer investable funds solutions like savings accounts, money market deposits, individual retirement accounts (IRAs), and certificates of deposit, catering to the savings and investment needs of individuals and businesses.
- Loans and Credit Options
The company avails numerous lending products, including residential mortgages, home equity loans and lines of credit, personal installment loans, as well as business loans and lines of credit. These offerings are designed to support the financial goals of consumers and businesses, whether for home buying, equity management, personal financing, or business operations.
- Investment and Insurance Products
Offering fixed and variable annuities, a spectrum of insurance products, and trust and investment management accounts, Waterstone Financial aims to provide investment solutions and financial protection tailored to individual and business clients' unique needs and objectives.
- Mortgage Banking
The Mortgage Banking segment is specialized in offering residential mortgage loans. These loans are primarily originated for the purpose of sale in the secondary market, facilitating homeownership for customers through various financing options.
- Investment in Securities
Waterstone Financial has established a diversified investment portfolio. The portfolio comprises mortgage-backed securities, bonds issued by government-sponsored and private-label enterprises, collateralized mortgage and municipal obligations, along with other debt securities. This segment of its operation emphasizes the company's commitment to managing a balanced and profitable investment portfolio.
