Stock Fundamentals

Company Information

Company Name
Waterstone Financial Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US94188P1012
CIK: 0001329517
CUSIP: 94348P108
Currency: USD
Full Time Employees: 593
Phone: 414 761 1000
Fiscal Year End: December
IPO Date: Oct 05, 2005
Description:

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities comprising mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.

Address:

11200 West Plank Court, Wauwatosa, WI, United States, 53226

Directors & Officers

Name Title Year Born
Mr. William F. Bruss J.D. CEO, President, General Counsel & Secretary 1970
Mr. Jeffrey R. McGuiness President & CEO of Waterstone Mortgage Corporation 1966
Mr. Kyle J. Mertz Controller NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.58M Sep 30, 2025 8.59% $0.00 -8.18%
Dimensional Fund Advisors, Inc. 1.42M Dec 31, 2025 7.71% $0.00 -0.85%
Renaissance Technologies Corp 1.12M Dec 31, 2025 6.09% $0.03 -2.99%
Vanguard Group Inc 885.97K Dec 31, 2025 4.83% $0.00 -2.55%
State Street Corp 423.29K Sep 30, 2025 2.31% $0.00 -3.00%
Geode Capital Management, LLC 383.75K Sep 30, 2025 2.09% $0.00 -5.66%
Fourthstone LLC 199.70K Dec 31, 2025 1.09% $0.62 55.34%
Bridgeway Capital Management, LLC 199.62K Dec 31, 2025 1.09% $0.07 -18.78%
American Century Companies Inc 199.01K Dec 31, 2025 1.08% $0.00 19.18%
CSM Advisors, LLC 191.01K Sep 30, 2025 1.04% $0.08 -3.16%
Arrowstreet Capital Limited Partnership 188.49K Dec 31, 2025 1.03% $0.00 -1.19%
The Goldman Sachs Group Inc 171.25K Sep 30, 2025 0.93% $0.00 39.17%
Morgan Stanley - Brokerage Accounts 168.01K Sep 30, 2025 0.92% $0.00 -9.25%
AQR Capital Management LLC 165.88K Sep 30, 2025 0.90% $0.00 103.83%
Northern Trust Corp 142.42K Sep 30, 2025 0.78% $0.00 -7.45%
Charles Schwab Investment Management Inc 132.27K Dec 31, 2025 0.72% $0.00 -0.09%
Quantinno Capital Management LP 111.91K Sep 30, 2025 0.61% $0.00 132.07%
JPMorgan Chase & Co 103.80K Sep 30, 2025 0.57% $0.00 40.90%
Empowered Funds, LLC 98.72K Sep 30, 2025 0.54% $0.02 7.55%
FMR Inc 83.68K Dec 31, 2025 0.46% $0.00 23.15%

Shares Statistics

Shares Outstanding: 18.46M
Shares Float: 15.52M
% Insiders: 1,957.80%
% Institutions: 4,991.10%
Short % Float: 0.80%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 1.58M 8.59% ▼ 8.18% Sep 30, 2025
2 Dimensional Fund Advisors, Inc. 1.42M 7.71% ▼ 0.85% Dec 31, 2025
3 Renaissance Technologies Corp 1.12M 6.09% ▼ 2.99% Dec 31, 2025
4 Vanguard Group Inc 885.97K 4.83% ▼ 2.55% Dec 31, 2025
5 State Street Corp 423.29K 2.31% ▼ 3.00% Sep 30, 2025
6 Geode Capital Management, LLC 383.75K 2.09% ▼ 5.66% Sep 30, 2025
7 Fourthstone LLC 199.70K 1.09% ▲ 55.34% Dec 31, 2025
8 Bridgeway Capital Management, LLC 199.62K 1.09% ▼ 18.78% Dec 31, 2025
9 American Century Companies Inc 199.01K 1.08% ▲ 19.18% Dec 31, 2025
10 CSM Advisors, LLC 191.01K 1.04% ▼ 3.16% Sep 30, 2025

Valuation Metrics

Enterprise Value: $688.86M
Trailing P/E: 11.65
Forward P/E: 20.70

Financial Highlights

Market Cap: $285.90M
P/E Ratio: $11.65
PEG Ratio: $0.00
Book Value: $19.59
Dividend/Share: $0.60
Dividend Yield: 3.86%
Earnings/Share: $1.33
Profit Margin: 17.44%
Operating Margin: 26.40%
ROA (TTM): 1.06%
ROE (TTM): 6.95%
Revenue (TTM): $137.06M
Revenue/Share (TTM): $7.59
Earnings Growth (YOY): 74.40%
Revenue Growth (YOY): 8.30%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 8.78x 1.18x 0.85x 0.56x 12.33x
2024-12-31 0.12x 1.32x 0.85x 0.36x 16.87x
2023-12-31 0.16x 1.35x 0.84x 0.23x 32.37x
2022-12-31 0.21x 1.55x 0.82x 1.84x 20.08x
2021-12-31 0.47x 1.12x 0.80x 6.41x 4.93x
2020-12-31 0.24x 1.32x 0.81x 4.33x 4.80x
2019-12-31 0.25x 1.23x 0.80x 1.73x 9.25x
2018-12-31 0.26x 1.09x 0.79x 2.06x 9.67x
2017-12-31 0.25x 0.94x 0.77x 2.72x 8.29x
2016-12-31 0.25x 0.94x 0.77x 2.07x 8.56x
2015-12-31 0.38x 0.78x 0.78x 1.12x 10.38x
2014-12-31 0.47x 1.15x 0.75x 0.89x 21.92x
2013-12-31 0.50x 2.51x 0.89x 0.99x 19.84x
2012-12-31 0.25x 2.37x 0.21x 0.81x 19.06x
2011-12-31 10.28x 2.77x 0.90x -0.21x -91.21x
2010-12-31 0.07x 2.65x 0.90x -0.04x 8,016.82x
2009-12-31 0.06x 3.01x 0.91x -0.21x -53.61x
2008-12-31 0.02x 2.84x 0.91x -0.38x -22.42x
2007-12-31 0.01x 2.36x 0.88x 0.02x 95.67x
2006-12-31 0.05x 1.38x 0.85x 0.24x 20.47x
2005-12-31 0.01x 0.38x 0.85x 1.70x 8.58x
2004-12-31 0.02x 0.72x 0.90x 0.46x 5.26x
2003-12-31 0.03x 0.49x 0.90x 0.48x 3.53x
2002-12-31 N/A 0.44x 0.90x 0.49x 2.97x
2001-12-31 N/A 0.00x 0.90x 0.38x 0.00x
2000-12-31 0.04x 0.00x 0.91x 0.05x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 18, 2026 Douglas S Gordon N/A Sale 2.88K $18.11 $52.16K
Feb 05, 2026 Douglas S Gordon N/A Sale 18.72K $18.25 $341.57K
Feb 04, 2026 Douglas S Gordon N/A Sale 15.00K $18.55 $278.25K
Feb 04, 2026 Patrick S Lawton N/A Sale 19.26K $18.64 $358.91K
Feb 03, 2026 Patrick S Lawton N/A Sale 30.00K $18.53 $555.90K
Feb 02, 2026 Julie Ann Glynn N/A Sale 20.93K $18.19 $380.70K
Oct 27, 2025 Michael L Hansen N/A Sale 79.87K $15.16 $1.21M
Oct 27, 2025 Michael L Hansen N/A Sale 1.54K $15.16 $23.36K
Aug 13, 2025 Michael L Hansen N/A Sale 109.53K $14.05 $1.54M
Aug 12, 2025 Michael L Hansen N/A Sale 35.29K $13.92 $491.24K
Aug 11, 2025 Michael L Hansen N/A Sale 2.76K $13.80 $38.05K
Jul 25, 2025 Michael L Hansen N/A Sale 961.00 $13.81 $13.27K
Jul 24, 2025 Michael L Hansen N/A Sale 36.47K $13.83 $504.31K

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