Waterstone Financial, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	49.2M	54.3M	51.2M	52.2M	43.9M	47.6M	51.0M	53.7M
Cost of Goods Sold	13.8M	13.8M	14.5M	15.0M	14.6M	16.6M	17.3M	17.1M
Gross Profit	35.4M	40.5M	36.6M	37.2M	29.3M	31.0M	33.7M	36.5M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	27.9M	30.4M	26.8M	27.6M	25.4M	24.8M	27.9M	29.4M
Operating Income	7.6M	10.1M	9.8M	9.7M	3.9M	6.2M	5.9M	7.1M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	6.0M	7.7M	7.9M	7.7M	3.0M	5.2M	4.7M	5.7M
EPS (Diluted)	0.35	0.44	0.44	0.43	0.17	0.28	0.26	0.31
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.719	0.745	0.716	0.713	0.667	0.651	0.661	0.681
General And Administrative Expenses	383K	-19.9M	20.5M	500K	1.7M	18.4M	21.0M	21.8M
Selling And Marketing Expenses	617K	696K	712K	746K	723K	727K	926K	987K
Selling General And Administrative Expenses	1.0M	-19.2M	21.2M	1.2M	2.5M	19.1M	21.9M	22.7M
Other Expenses	26.9M	49.7M	5.5M	26.3M	23.0M	5.6M	5.9M	6.6M
Cost And Expenses	41.7M	44.3M	41.3M	42.5M	40.1M	41.4M	45.2M	46.5M
Interest Income	29.0M	30.1M	29.6M	28.7M	27.8M	29.1M	29.2M	28.0M
Interest Expense	13.6M	14.4M	14.8M	15.0M	15.2M	16.2M	17.7M	17.3M
Depreciation And Amortization	0	-1.9M	591K	560K	711K	593K	762K	633K
Ebitda	7.6M	8.2M	10.4M	10.2M	4.6M	6.8M	6.6M	7.8M
Ebitdaratio	0.153	0.151	0.204	0.196	0.105	0.143	0.13	0.145
Operating Income Ratio	0.153	0.185	0.192	0.185	0.088	0.13	0.115	0.133
Income Before Tax	7.6M	10.1M	9.8M	9.7M	3.9M	6.2M	5.9M	7.1M
Income Before Tax Ratio	0.153	0.185	0.192	0.185	0.088	0.13	0.115	0.133
Income Tax Expense	1.6M	2.3M	1.9M	1.9M	845K	996K	1.2M	1.4M
Net Income Ratio	0.122	0.142	0.155	0.148	0.069	0.11	0.093	0.106
Epsdiluted	0.34	0.44	0.44	0.43	0.17	0.28	0.26	0.31
Weighted Average Shs Out	17.4M	17.8M	18.0M	18.0M	18.3M	18.3M	18.4M	18.5M
Weighted Average Shs Out Dil	17.4M	17.9M	18.0M	18.0M	18.3M	18.4M	18.4M	18.6M