Waterstone Financial, Inc.
Waterstone Financial, Inc. (Nasdaq: WSBF) is a financial holding company whose principal businesses are community banking and mortgage banking. Its subsidiary WaterStone Bank serves consumers and businesses through 14 banking offices in Milwaukee, Washington and Waukesha counties, Wisconsin, taking deposits and… From the company’s description.
Over the twelve months to Jun 30, 2026, Waterstone Financial, Inc. reported revenue of $150.15M, up 12.4% from a year earlier, and net income of $30.10M. Its pre-tax margin was 25.4%. In fiscal 2025, it reported revenue of $141.92M, up 4.8% from fiscal 2024, and net income of $26.40M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Waterstone Financial, Inc. does
In the company’s own words
Waterstone Financial, Inc. (Nasdaq: WSBF) is a financial holding company whose principal businesses are community banking and mortgage banking. Its subsidiary WaterStone Bank serves consumers and businesses through 14 banking offices in Milwaukee, Washington and Waukesha counties, Wisconsin, taking deposits and originating residential, multifamily and commercial real estate loans for its portfolio, as well as commercial, construction, home equity and consumer loans. Waterstone Mortgage Corporation originates single-family residential mortgages for sale in the secondary market and operated 55 offices in 24 states at year-end 2025. The company’s banking and mortgage businesses are its primary operating activities; it also manages an investment portfolio through Wauwatosa Investments. During fiscal 2025, Waterstone Mortgage Corporation originated $2.05 billion in mortgage loans held for sale, while WaterStone Bank held a $1.68 billion loan portfolio at December 31, 2025. Waterstone Financial was organized in 2013 and became the holding company of WaterStone Bank after the bank’s mutual-to-stock conversion in 2014; it acquired Waterstone Mortgage Corporation in 2006. Its website is www.wsbonline.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- WAUWATOSA, WI
- Fiscal year end
- December
- CIK
- 1569994
- SIC
- 6035
Financial performance, year by year
Fiscal 2012–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Waterstone Financial, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Waterstone Financial, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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