Waterstone Financial, Inc.
NASDAQ:WSBF
13.81 (USD) • At close June 30, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 199.38 | 176.965 | 171.056 | 268.468 | 317.855 | 207.203 | 188.527 | 188.446 | 187.226 | 166.437 | 148.202 | 150.663 | 161.049 | 122.581 | 128.926 | 111.808 | 112.366 | 103.817 | 97.43 | 88.616 | 40.563 | 36.327 | 38.031 | 44.889 | 51.693 |
| Cost of Revenue
| 66.832 | 49.649 | 14.259 | 10.378 | 31.324 | 26.644 | 18.463 | 15.196 | 20.672 | 25.084 | 23.477 | 28.19 | 36.201 | 54.913 | 66.101 | 81.264 | 100.656 | 73.831 | 55.98 | 88.616 | 37.306 | 33.292 | 35.038 | 42.748 | 50.006 |
| Gross Profit
| 132.548 | 127.316 | 156.797 | 258.09 | 286.531 | 180.559 | 170.064 | 173.25 | 166.554 | 141.353 | 124.725 | 122.473 | 124.848 | 67.668 | 62.825 | 30.544 | 11.71 | 29.986 | 41.45 | 0 | 3.257 | 3.035 | 2.993 | 2.141 | 1.687 |
| Gross Profit Ratio
| 0.665 | 0.719 | 0.922 | 0.961 | 0.901 | 0.867 | 0.896 | 0.913 | 0.892 | 0.849 | 0.849 | 0.813 | 0.775 | 0.552 | 0.487 | 0.273 | 0.104 | 0.289 | 0.425 | 0 | 0.08 | 0.084 | 0.079 | 0.048 | 0.033 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & Administrative Expenses
| 81.078 | 84.096 | 99.565 | 135.115 | 139.046 | 103.077 | 99.395 | 98.644 | 96.518 | 84.227 | 72.257 | 72.35 | 68.174 | 43.941 | 41.578 | 19.441 | 19.149 | 15.487 | 16.209 | 0 | 11.434 | 10.763 | 0 | 0 | 0 |
| Selling & Marketing Expenses
| 3.554 | 3.779 | 3.976 | 3.528 | 3.691 | 3.885 | 4.123 | 3.333 | 2.743 | 2.947 | 2.949 | 3.085 | 2.647 | 1.568 | 1.259 | 0.876 | 1.155 | 1.158 | 1.369 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A
| 84.632 | 87.875 | 103.541 | 138.643 | 142.737 | 106.962 | 103.518 | 101.977 | 99.261 | 87.174 | 75.206 | 75.435 | 70.821 | 45.509 | 42.837 | 20.317 | 20.304 | 16.645 | 17.578 | 36.5 | 11.434 | 10.763 | 0 | 0 | 0 |
| Other Expenses
| 23.914 | 28.409 | 28.777 | 27.341 | 35.678 | 26.023 | 26.266 | 26.84 | 25.299 | 28.36 | 29.612 | 23.709 | 31.317 | 29.07 | 21.79 | 21.671 | 15.553 | 12.037 | 11.12 | -18.25 | -24.813 | -23.175 | -13.854 | -13.514 | -6.383 |
| Operating Expenses
| 108.546 | 116.284 | 132.318 | 165.984 | 178.415 | 132.985 | 129.784 | 128.817 | 124.56 | 115.534 | 104.818 | 99.144 | 102.138 | 74.579 | 64.627 | 41.988 | 35.857 | 28.682 | 28.698 | 18.25 | -13.379 | -12.412 | -13.854 | -13.514 | -6.383 |
| Operating Income
| 24.002 | 11.032 | 24.479 | 92.106 | 108.116 | 47.574 | 40.28 | 44.433 | 41.994 | 25.819 | 19.907 | 23.329 | 22.71 | -6.911 | -1.802 | -11.444 | -24.147 | 1.304 | 12.752 | 8.368 | 16.636 | 15.447 | 16.847 | 15.655 | 8.07 |
| Operating Income Ratio
| 0.12 | 0.062 | 0.143 | 0.343 | 0.34 | 0.23 | 0.214 | 0.236 | 0.224 | 0.155 | 0.134 | 0.155 | 0.141 | -0.056 | -0.014 | -0.102 | -0.215 | 0.013 | 0.131 | 0.094 | 0.41 | 0.425 | 0.443 | 0.349 | 0.156 |
| Total Other Income Expenses Net
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Before Tax
| 24.002 | 11.032 | 24.479 | 92.106 | 108.116 | 47.574 | 40.28 | 44.433 | 41.994 | 25.819 | 19.907 | 23.329 | 22.71 | -6.911 | -1.802 | -11.444 | -24.147 | 1.304 | 12.752 | 8.368 | 16.636 | 15.447 | 16.847 | 15.655 | 8.07 |
| Income Before Tax Ratio
| 0.12 | 0.062 | 0.143 | 0.343 | 0.34 | 0.23 | 0.214 | 0.236 | 0.224 | 0.155 | 0.134 | 0.155 | 0.141 | -0.056 | -0.014 | -0.102 | -0.215 | 0.013 | 0.131 | 0.094 | 0.41 | 0.425 | 0.443 | 0.349 | 0.156 |
| Income Tax Expense
| 5.314 | 1.657 | 4.992 | 21.315 | 26.971 | 11.671 | 9.526 | 18.469 | 16.462 | 9.249 | 7.175 | 8.621 | -12.204 | 0.562 | 0.052 | -1.306 | 2.299 | -0.254 | 4.699 | 2.942 | 7.52 | 4.863 | 5.742 | 4.816 | -2.74 |
| Net Income
| 18.688 | 9.375 | 19.487 | 70.791 | 81.145 | 35.903 | 30.754 | 25.964 | 25.532 | 16.57 | 12.732 | 14.708 | 34.914 | -7.473 | -1.854 | -10.138 | -26.446 | 1.558 | 8.053 | 5.426 | 9.116 | 10.584 | 11.105 | 10.839 | 5.326 |
| Net Income Ratio
| 0.094 | 0.053 | 0.114 | 0.264 | 0.255 | 0.173 | 0.163 | 0.138 | 0.136 | 0.1 | 0.086 | 0.098 | 0.217 | -0.061 | -0.014 | -0.091 | -0.235 | 0.015 | 0.083 | 0.061 | 0.225 | 0.291 | 0.292 | 0.241 | 0.103 |
| EPS
| 1.01 | 0.47 | 0.89 | 2.98 | 3.32 | 1.38 | 1.12 | 0.95 | 0.94 | 0.57 | 0.38 | 0.43 | 1.02 | -0.22 | -0.055 | -0.26 | -0.79 | 0.046 | 0.22 | 0.15 | 0.25 | 0.29 | 0.3 | 0.29 | 0.14 |
| EPS Diluted
| 1.01 | 0.46 | 0.89 | 2.96 | 3.3 | 1.37 | 1.11 | 0.93 | 0.93 | 0.56 | 0.38 | 0.43 | 1.02 | -0.22 | -0.055 | -0.26 | -0.79 | 0.046 | 0.22 | 0.15 | 0.25 | 0.29 | 0.3 | 0.29 | 0.14 |
| EBITDA
| 26.476 | 14.333 | 28.512 | 98.16 | 113.724 | 52.272 | 45.007 | 46.589 | 45.207 | 29.416 | 23.635 | 27.171 | 25.18 | -5.056 | 0.057 | -9.474 | -21.717 | 4.97 | 16.32 | 10.168 | 18.292 | 16.99 | 16.847 | 15.655 | 8.07 |
| EBITDA Ratio
| 0.133 | 0.081 | 0.167 | 0.366 | 0.358 | 0.252 | 0.239 | 0.247 | 0.241 | 0.177 | 0.159 | 0.18 | 0.156 | -0.041 | 0 | -0.085 | -0.193 | 0.048 | 0.168 | 0.115 | 0.451 | 0.468 | 0.443 | 0.349 | 0.156 |