Waterstone Financial, Inc. (WSBF)

Solvency & Capital Structure

Total Debt

$412M

Net Debt

$136.5M

Waterstone Financial, Inc. currently has $412M in total debt. Net debt is $136.5M after cash offsets.

Financial Fundamentals

WSBF • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.41	0.28	0.14	2.25	18.3%
2026-03-31	0.41	0.04	0.37	2.25	18.3%
2025-12-31	0.41	0.23	0.18	2.26	18.2%
2025-09-30	0.47	0.22	0.25	2.27	20.7%
2025-06-30	0.47	0.28	0.18	2.26	20.6%
2025-03-31	0.40	0.25	0.14	2.18	18.2%
2024-12-31	0.45	0.19	0.26	2.21	20.2%
2024-09-30	0.42	0.25	0.17	2.24	18.9%
2024-06-30	0.52	0.24	0.28	2.29	22.7%
2024-03-31	0.63	0.25	0.39	2.23	28.4%
2023-12-31	0.47	0.24	0.23	2.22	21.0%
2023-09-30	0.49	0.25	0.24	2.22	22.0%
2023-06-30	0.61	0.25	0.37	2.23	27.6%
2023-03-31	0.50	0.25	0.26	2.11	23.7%
2022-12-31	0.39	0.23	0.15	2.03	19.0%
2022-09-30	0.32	0.25	0.07	1.98	16.2%
2022-06-30	0.28	0.31	-0.03Net Cash	1.94	14.5%
2022-03-31	0.33	0.47	-0.14Net Cash	2.00	16.3%
2021-12-31	0.48	0.54	-0.06Net Cash	2.22	21.5%
2021-09-30	0.47	0.52	-0.05Net Cash	2.23	21.3%
2021-06-30	0.47	0.39	0.09	2.20	21.6%
2021-03-31	0.49	0.34	0.15	2.20	22.3%
2020-12-31	0.51	0.24	0.27	2.18	23.3%
2020-09-30	0.55	0.22	0.33	2.22	24.9%
2020-06-30	0.60	0.23	0.37	2.22	27.0%
2020-03-31	0.52	0.22	0.30	2.06	25.4%
2019-12-31	0.48	0.24	0.24	2.00	24.2%
2019-09-30	0.52	0.23	0.28	2.01	25.7%
2019-06-30	0.52	0.24	0.28	2.02	25.7%
2019-03-31	0.45	0.27	0.18	1.93	23.3%
2018-12-31	0.44	0.25	0.19	1.92	22.7%
2018-09-30	0.45	0.22	0.23	1.92	23.5%
2018-06-30	0.43	0.25	0.18	1.88	23.0%
2018-03-31	0.43	0.24	0.19	1.84	23.6%
2017-12-31	0.39	0.23	0.16	1.81	21.4%
2017-09-30	0.44	0.26	0.18	1.85	23.5%
2017-06-30	0.50	0.31	0.19	1.89	26.4%
2017-03-31	0.33	0.26	0.08	1.73	19.4%
2016-12-31	0.39	0.25	0.14	1.79	21.6%
2016-09-30	0.36	0.28	0.08	1.80	20.0%
2016-06-30	0.41	0.30	0.11	1.80	23.1%
2016-03-31	0.40	0.37	0.03	1.74	22.8%
2015-12-31	0.44	0.35	0.09	1.76	25.0%
2015-09-30	0.43	0.35	0.08	1.74	24.9%
2015-06-30	0.44	0.31	0.14	1.74	25.6%
2015-03-31	0.43	0.39	0.05	1.77	24.6%
2014-12-31	0.43	0.42	0.01	1.78	24.3%
2014-09-30	0.43	0.39	0.04	1.80	24.1%
2014-06-30	0.45	0.35	0.10	1.80	25.2%
2014-03-31	0.44	0.39	0.05	1.76	25.2%
2013-12-31	0.46	0.64	-0.19Net Cash	1.95	23.4%
2013-09-30	0.47	0.28	0.19	1.60	29.5%
2013-06-30	0.49	0.26	0.23	1.63	30.0%
2013-03-31	0.48	0.28	0.20	1.63	29.4%
2012-12-31	0.48	0.25	0.23	1.66	28.9%
2012-09-30	0.49	0.05	0.44	1.68	29.2%
2012-06-30	0.48	0.05	0.43	1.68	28.5%
2012-03-31	0.46	0.05	0.40	1.70	27.0%
2011-12-31	0.49	0.28	0.21	1.71	28.5%
2011-09-30	0.45	0.07	0.38	1.74	26.0%
2011-06-30	0.44	0.09	0.35	1.72	25.3%
2011-03-31	0.43	0.12	0.32	1.76	24.7%
2010-12-31	0.46	0.07	0.39	1.81	25.4%
2010-06-30	0.51	0.10	0.41	1.88	27.0%
2010-03-31	0.48	0.06	0.42	1.84	26.0%
2009-12-31	0.51	0.06	0.45	1.87	27.2%
2009-09-30	0.54	0.10	0.44	1.91	28.1%
2009-06-30	0.53	0.09	0.43	1.93	27.4%
2009-03-31	0.51	0.07	0.45	1.92	26.6%
2008-12-31	0.49	0.01	0.47	1.89	25.9%
2008-09-30	0.51	0.04	0.47	1.90	27.0%
2008-06-30	0.52	0.01	0.51	1.85	28.1%
2008-03-31	0.47	0.01	0.46	1.78	26.3%
2007-12-31	0.48	0.01	0.47	1.71	27.8%
2007-09-30	0.41	0.01	0.40	1.68	24.4%
2007-06-30	0.37	0.01	0.37	1.65	22.8%
2007-03-31	0.36	0.04	0.32	1.65	22.0%
2006-12-31	0.33	0.05	0.28	1.65	20.3%
2006-09-30	0.35	0.04	0.31	1.69	20.6%
2006-06-30	0.24	0.01	0.23	1.58	15.1%
2006-03-31	0.22	0.01	0.21	1.56	14.0%
2005-09-30	0.10	0.01	0.10	1.77	5.9%