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WSBF Waterstone Financial

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14.325
+0.195+1.38%

Close Aug 21 16:00 ET

278.73MMarket Cap22.74P/E (TTM)

Waterstone Financial Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual

YOY

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(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

(FY)Dec 31, 2023

(Q4)Dec 31, 2023

(Q3)Sep 30, 2023

(Q2)Jun 30, 2023

(Q1)Mar 31, 2023

(FY)Dec 31, 2022

(Q4)Dec 31, 2022

(Q3)Sep 30, 2022

Total revenue

2.97%36.32M

0.03%31.34M

-18.88%127.97M

-11.92%27.88M

-19.64%33.5M

-20.18%35.27M

-22.16%31.33M

-37.91%157.77M

-41.66%31.65M

-36.76%41.68M

Net interest income

-15.75%10.68M

-19.27%11.14M

-11.83%50.22M

-24.69%11.76M

-22.14%11.99M

-9.99%12.68M

16.28%13.8M

2.59%56.95M

18.52%15.61M

9.10%15.4M

-Net interest income

15.56%28.02M

22.91%26.91M

41.23%99.21M

29.12%26.69M

45.53%26.38M

47.70%24.25M

45.64%21.89M

0.52%70.25M

24.66%20.67M

3.54%18.13M

-Interest income from loans and lease

15.58%25.6M

23.13%24.48M

43.24%90.15M

30.20%24.29M

46.75%23.83M

52.28%22.15M

47.30%19.89M

-2.22%62.94M

23.11%18.65M

0.64%16.24M

-Interest income from securities

15.36%2.42M

20.75%2.42M

23.94%9.06M

19.11%2.41M

35.03%2.55M

12.14%2.1M

31.05%2.01M

32.50%7.31M

41.06%2.02M

37.45%1.89M

-Total interest expense

49.85%17.34M

94.79%15.77M

268.62%48.99M

195.04%14.94M

427.61%14.39M

395.59%11.57M

155.69%8.1M

-7.50%13.29M

48.39%5.06M

-19.60%2.73M

-Interest expense for deposit

63.16%9.72M

119.42%8.97M

429.26%25.74M

250.89%8.25M

658.61%7.44M

692.94%5.96M

424.78%4.09M

10.02%4.86M

167.88%2.35M

3.59%981K

-Interest expense for long term debt and capital securities

35.75%7.63M

69.65%6.8M

175.93%23.26M

146.59%6.69M

297.82%6.95M

254.61%5.62M

67.87%4.01M

-15.28%8.43M

6.99%2.71M

-28.59%1.75M

Non interest income

13.47%25.64M

15.20%20.2M

-22.87%77.76M

0.52%16.12M

-18.17%21.51M

-24.95%22.59M

-38.23%17.54M

-49.24%100.81M

-60.96%16.04M

-49.26%26.28M

-Total premiums earned

12.61%804K

7.08%348K

-1.61%1.71M

-2.03%337K

-5.65%334K

-1.38%714K

2.85%325K

7.62%1.74M

8.18%344K

13.46%354K

-Fees and commissions

13.19%24.44M

20.17%19.45M

-23.65%74.08M

1.00%15.4M

-17.95%20.9M

-25.39%21.59M

-40.84%16.18M

-48.87%97.02M

-62.21%15.25M

-45.28%25.47M

-Other non interest income

36.36%390K

-60.35%408K

-4.14%1.97M

-14.00%381K

-40.04%274K

-34.70%286K

43.51%1.03M

-71.54%2.06M

8.58%443K

-90.75%457K

Credit losses provision

220.97%225K

85.43%-67K

32.23%-656K

165.51%435K

-34.04%-445K

-287.50%-186K

-705.26%-460K

-124.26%-968K

-145.17%-664K

-147.43%-332K

Non interest expense

-1.97%29.4M

-5.64%26.5M

-12.12%116.28M

-4.68%28.91M

-15.26%29.3M

-11.58%29.99M

-16.16%28.09M

-20.28%132.32M

-24.25%30.33M

-18.05%34.57M

Occupancy and equipment

-0.83%2.03M

-6.85%2.11M

-4.40%8.32M

-6.69%2.02M

-13.20%1.99M

-0.49%2.05M

3.43%2.26M

-9.43%8.71M

-4.41%2.17M

-7.72%2.3M

Professional expense and contract services expense

22.65%758K

78.61%743K

47.99%2.69M

48.20%907K

89.57%745K

77.08%618K

-9.76%416K

42.35%1.82M

29.94%612K

-28.55%393K

Selling and administrative expenses

-2.53%22.75M

-0.72%20.79M

-15.13%87.88M

-8.44%21.09M

-17.60%22.5M

-12.77%23.34M

-20.80%20.94M

-25.32%103.54M

-29.79%23.04M

-22.84%27.31M

-General and administrative expense

-2.83%21.76M

-0.88%19.88M

-15.54%84.1M

-9.07%20.06M

-17.52%21.59M

-13.17%22.4M

-21.47%20.05M

-26.31%99.57M

-30.73%22.06M

-24.27%26.17M

-Selling and marketing expense

4.56%987K

2.81%914K

-4.95%3.78M

5.97%1.03M

-19.44%916K

-1.87%944K

-1.77%889K

12.70%3.98M

1.46%972K

36.17%1.14M

Other non-interest expense

-3.14%3.86M

-35.94%2.86M

-4.69%17.4M

8.31%4.89M

-11.30%4.06M

-16.17%3.99M

1.22%4.47M

10.95%18.26M

0.49%4.51M

21.81%4.57M

Income from associates and other participating interests

Special income (charges)

Other non-operating income (expenses)

Income before tax

40.26%7.14M

71.39%4.77M

-54.93%11.03M

-190.43%-595K

-44.61%3.75M

-50.18%5.09M

-59.23%2.78M

-73.42%24.48M

-95.80%658K

-72.26%6.78M

Income tax

31.80%1.43M

175.92%1.73M

-66.81%1.66M

-100.36%-555K

-66.80%500K

-51.37%1.09M

-59.07%627K

-76.58%4.99M

-108.85%-277K

-72.25%1.51M

Earnings from equity interest net of tax

Net income

42.55%5.71M

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

Net Income continuous operations

42.55%5.71M

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

Minority interest income

Net income attributable to the parent company

42.55%5.71M

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

Preferred stock dividends

Other preferred stock dividend

Net income attributable to common stockholders

42.55%5.71M

40.97%3.04M

-51.89%9.38M

-104.28%-40K

-38.27%3.25M

-49.85%4.01M

-59.27%2.16M

-72.47%19.49M

-92.55%935K

-72.26%5.27M

Basic earnings per share

55.00%0.31

60.00%0.16

-47.19%0.47

-105.16%-0.0021

-36.00%0.16

-44.44%0.2

-56.52%0.1

-70.13%0.89

-92.45%0.04

-68.75%0.25

Diluted earnings per share

55.00%0.31

60.00%0.16

-48.31%0.46

-105.16%-0.0021

-36.00%0.16

-44.44%0.2

-56.52%0.1

-69.93%0.89

-92.45%0.04

-68.35%0.25

Dividend per share

-25.00%0.15

-12.50%0.7

-25.00%0.15

-62.50%0.15

0.00%0.2

0.2

-20.00%0.8

0.00%0.2

0.00%0.4

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024	(FY)Dec 31, 2023	(Q4)Dec 31, 2023	(Q3)Sep 30, 2023	(Q2)Jun 30, 2023	(Q1)Mar 31, 2023	(FY)Dec 31, 2022	(Q4)Dec 31, 2022	(Q3)Sep 30, 2022
Total revenue	2.97%36.32M	0.03%31.34M	-18.88%127.97M	-11.92%27.88M	-19.64%33.5M	-20.18%35.27M	-22.16%31.33M	-37.91%157.77M	-41.66%31.65M	-36.76%41.68M
Net interest income	-15.75%10.68M	-19.27%11.14M	-11.83%50.22M	-24.69%11.76M	-22.14%11.99M	-9.99%12.68M	16.28%13.8M	2.59%56.95M	18.52%15.61M	9.10%15.4M
-Net interest income	15.56%28.02M	22.91%26.91M	41.23%99.21M	29.12%26.69M	45.53%26.38M	47.70%24.25M	45.64%21.89M	0.52%70.25M	24.66%20.67M	3.54%18.13M
-Interest income from loans and lease	15.58%25.6M	23.13%24.48M	43.24%90.15M	30.20%24.29M	46.75%23.83M	52.28%22.15M	47.30%19.89M	-2.22%62.94M	23.11%18.65M	0.64%16.24M
-Interest income from securities	15.36%2.42M	20.75%2.42M	23.94%9.06M	19.11%2.41M	35.03%2.55M	12.14%2.1M	31.05%2.01M	32.50%7.31M	41.06%2.02M	37.45%1.89M
-Total interest expense	49.85%17.34M	94.79%15.77M	268.62%48.99M	195.04%14.94M	427.61%14.39M	395.59%11.57M	155.69%8.1M	-7.50%13.29M	48.39%5.06M	-19.60%2.73M
-Interest expense for deposit	63.16%9.72M	119.42%8.97M	429.26%25.74M	250.89%8.25M	658.61%7.44M	692.94%5.96M	424.78%4.09M	10.02%4.86M	167.88%2.35M	3.59%981K
-Interest expense for long term debt and capital securities	35.75%7.63M	69.65%6.8M	175.93%23.26M	146.59%6.69M	297.82%6.95M	254.61%5.62M	67.87%4.01M	-15.28%8.43M	6.99%2.71M	-28.59%1.75M
Non interest income	13.47%25.64M	15.20%20.2M	-22.87%77.76M	0.52%16.12M	-18.17%21.51M	-24.95%22.59M	-38.23%17.54M	-49.24%100.81M	-60.96%16.04M	-49.26%26.28M
-Total premiums earned	12.61%804K	7.08%348K	-1.61%1.71M	-2.03%337K	-5.65%334K	-1.38%714K	2.85%325K	7.62%1.74M	8.18%344K	13.46%354K
-Fees and commissions	13.19%24.44M	20.17%19.45M	-23.65%74.08M	1.00%15.4M	-17.95%20.9M	-25.39%21.59M	-40.84%16.18M	-48.87%97.02M	-62.21%15.25M	-45.28%25.47M
-Other non interest income	36.36%390K	-60.35%408K	-4.14%1.97M	-14.00%381K	-40.04%274K	-34.70%286K	43.51%1.03M	-71.54%2.06M	8.58%443K	-90.75%457K
Credit losses provision	220.97%225K	85.43%-67K	32.23%-656K	165.51%435K	-34.04%-445K	-287.50%-186K	-705.26%-460K	-124.26%-968K	-145.17%-664K	-147.43%-332K
Non interest expense	-1.97%29.4M	-5.64%26.5M	-12.12%116.28M	-4.68%28.91M	-15.26%29.3M	-11.58%29.99M	-16.16%28.09M	-20.28%132.32M	-24.25%30.33M	-18.05%34.57M
Occupancy and equipment	-0.83%2.03M	-6.85%2.11M	-4.40%8.32M	-6.69%2.02M	-13.20%1.99M	-0.49%2.05M	3.43%2.26M	-9.43%8.71M	-4.41%2.17M	-7.72%2.3M
Professional expense and contract services expense	22.65%758K	78.61%743K	47.99%2.69M	48.20%907K	89.57%745K	77.08%618K	-9.76%416K	42.35%1.82M	29.94%612K	-28.55%393K
Selling and administrative expenses	-2.53%22.75M	-0.72%20.79M	-15.13%87.88M	-8.44%21.09M	-17.60%22.5M	-12.77%23.34M	-20.80%20.94M	-25.32%103.54M	-29.79%23.04M	-22.84%27.31M
-General and administrative expense	-2.83%21.76M	-0.88%19.88M	-15.54%84.1M	-9.07%20.06M	-17.52%21.59M	-13.17%22.4M	-21.47%20.05M	-26.31%99.57M	-30.73%22.06M	-24.27%26.17M
-Selling and marketing expense	4.56%987K	2.81%914K	-4.95%3.78M	5.97%1.03M	-19.44%916K	-1.87%944K	-1.77%889K	12.70%3.98M	1.46%972K	36.17%1.14M
Other non-interest expense	-3.14%3.86M	-35.94%2.86M	-4.69%17.4M	8.31%4.89M	-11.30%4.06M	-16.17%3.99M	1.22%4.47M	10.95%18.26M	0.49%4.51M	21.81%4.57M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax	40.26%7.14M	71.39%4.77M	-54.93%11.03M	-190.43%-595K	-44.61%3.75M	-50.18%5.09M	-59.23%2.78M	-73.42%24.48M	-95.80%658K	-72.26%6.78M
Income tax	31.80%1.43M	175.92%1.73M	-66.81%1.66M	-100.36%-555K	-66.80%500K	-51.37%1.09M	-59.07%627K	-76.58%4.99M	-108.85%-277K	-72.25%1.51M
Earnings from equity interest net of tax
Net income	42.55%5.71M	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M
Net Income continuous operations	42.55%5.71M	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M
Minority interest income
Net income attributable to the parent company	42.55%5.71M	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders	42.55%5.71M	40.97%3.04M	-51.89%9.38M	-104.28%-40K	-38.27%3.25M	-49.85%4.01M	-59.27%2.16M	-72.47%19.49M	-92.55%935K	-72.26%5.27M
Basic earnings per share	55.00%0.31	60.00%0.16	-47.19%0.47	-105.16%-0.0021	-36.00%0.16	-44.44%0.2	-56.52%0.1	-70.13%0.89	-92.45%0.04	-68.75%0.25
Diluted earnings per share	55.00%0.31	60.00%0.16	-48.31%0.46	-105.16%-0.0021	-36.00%0.16	-44.44%0.2	-56.52%0.1	-69.93%0.89	-92.45%0.04	-68.35%0.25
Dividend per share	0	-25.00%0.15	-12.50%0.7	-25.00%0.15	-62.50%0.15	0.00%0.2	0.2	-20.00%0.8	0.00%0.2	0.00%0.4
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	--	--	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--

Analysis

Analyst Rating

No Data

Price Target

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Heat List

Overall