Waterstone Financial, Inc. (WSBF) - Quarterly Income Statement

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WSBF
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13.98 (USD) • At close July 1, 2025

Overview | Financials

Numbers are in millions (except for per share data and ratios) USD.

	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3	2021 Q2	2021 Q1	2020 Q4	2020 Q3	2020 Q2	2020 Q1	2019 Q4	2019 Q3	2019 Q2	2019 Q1	2018 Q4	2018 Q3	2018 Q2	2018 Q1	2017 Q4	2017 Q3	2017 Q2	2017 Q1	2016 Q4	2016 Q3	2016 Q2	2016 Q1	2015 Q4	2015 Q3	2015 Q2	2015 Q1	2014 Q4	2014 Q3	2014 Q2	2014 Q1	2013 Q4	2013 Q3	2013 Q2	2013 Q1	2012 Q4	2012 Q3	2012 Q2	2012 Q1	2011 Q4	2011 Q3	2011 Q2	2011 Q1	2010 Q4	2010 Q3	2010 Q2	2010 Q1	2009 Q4	2009 Q3	2009 Q2	2009 Q1	2008 Q4	2008 Q3	2008 Q2	2008 Q1	2007 Q4	2007 Q3	2007 Q2	2007 Q1	2006 Q4	2006 Q3	2006 Q2	2006 Q1	2005 Q3	2004 Q3
Revenue Numbers are in millions	43.932	47.571	51.046	53.656	47.107	42.814	47.885	46.84	39.426	36.71	44.409	46.52	43.417	57.66	69.307	68.668	72.833	88.487	93.971	85.557	49.84	53.341	57.014	54.224	42.624	41.592	52.271	50.777	41.158	45.497	50.507	53.781	41.723	47.219	53.742	52.099	37.041	38.258	44.346	46.782	37.051	36.243	40.511	39.337	32.111	32.276	36.563	42.605	39.219	41.603	45.049	41.04	33.144	32.619	33.174	30.11	27.134	39.777	33.944	27.856	27.35	20.366	28.623	28.593	26.618	25.884	30.681	27.5	26.304	26.256	26.31	26.064	25.186	25.976	24.495	23.909	23.05	18.984	9.815
Cost of Revenue Numbers are in millions	14.621	16.584	17.297	17.116	15.835	14.503	14.833	11.758	8.555	5.727	3.059	2.383	3.09	1.942	2.692	2.797	2.947	5.341	7.16	11.112	7.711	6.982	7.144	6.962	5.556	5.862	5.236	4.423	2.942	3.992	4.44	4.084	2.68	4.131	5.14	5.583	5.818	6.215	6.465	6.487	5.917	6.057	6.001	5.816	5.603	6.258	6.955	7.177	7.8	7.586	8.639	8.585	11.391	14.08	14.1	13.448	13.285	16.763	16.184	17.082	16.073	19.715	22.277	17.362	21.91	18.741	39.057	24.075	18.783	18.911	18.739	21.021	15.159	15.42	15.281	13.173	12.104	9.9	8.559
Gross Profit Numbers are in millions	29.311	30.987	33.749	36.54	31.272	28.311	33.052	35.082	30.871	30.983	41.35	44.137	40.327	55.718	66.615	65.871	69.886	83.146	86.811	74.445	42.129	46.359	49.87	47.262	37.068	35.73	47.035	46.354	38.216	41.505	46.067	49.697	39.043	43.088	48.602	46.516	31.223	32.043	37.881	40.295	31.134	30.186	34.51	33.521	26.508	26.018	29.608	35.428	31.419	34.017	36.41	32.455	21.753	18.539	19.074	16.662	13.849	23.014	17.76	10.774	11.277	0.651	6.346	11.231	4.708	7.143	-8.376	3.425	7.521	7.345	7.571	5.043	10.027	10.556	9.214	10.736	10.946	9.084	1.256
Gross Profit Ratio Numbers are in millions	0.667	0.651	0.661	0.681	0.664	0.661	0.69	0.753	0.783	0.844	0.939	0.95	0.927	0.966	0.961	0.959	0.96	0.94	0.924	0.87	0.845	0.866	0.873	0.872	0.87	0.859	0.901	0.909	0.929	0.912	0.912	0.925	0.936	0.913	0.907	0.893	0.848	0.844	0.854	0.861	0.84	0.841	0.86	0.859	0.833	0.806	0.81	0.832	0.801	0.818	0.808	0.791	0.656	0.568	0.575	0.553	0.51	0.579	0.523	0.387	0.412	0.032	0.222	0.393	0.177	0.276	-0.273	0.125	0.286	0.28	0.288	0.193	0.398	0.406	0.376	0.449	0.475	0.479	0.128
Reseach & Development Expenses Numbers are in millions	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	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	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	0	0	0	0
General & Administrative Expenses Numbers are in millions	17.047	18.423	21.017	21.762	19.876	20.061	21.588	22.395	20.052	21.163	26.174	25.793	25.535	33.158	34.56	34.252	34.454	38.686	39.744	37.206	24.739	26.811	27.872	27.427	20.967	23.135	27.865	26.669	21.365	23.875	26.676	28.098	20.494	24.577	28.087	26.236	18.233	19.739	21.809	23.894	18.784	18.543	18.935	18.892	15.887	16.632	17.489	20.666	17.563	19.975	19.054	16.144	11.874	12.754	12.014	10.987	9.586	14.972	12.387	7.672	6.832	4.573	5.421	5.079	4.368	4.293	4.493	4.469	3.825	3.709	3.859	3.919	4	3.718	4.389	4.239	3.863	2.836	2.657
Selling & Marketing Expenses Numbers are in millions	0.723	0.727	0.926	0.987	0.914	1.03	0.916	0.944	0.889	0.972	1.137	0.962	0.905	0.958	0.835	0.911	0.824	1.066	0.861	0.864	0.9	1.051	0.913	0.963	0.958	1.039	1.224	1	0.86	0.919	0.821	0.869	0.724	0.769	0.661	0.655	0.658	0.827	0.755	0.712	0.653	0.697	0.678	0.838	0.736	0.746	0.718	0.796	0.824	-4.603	0.697	0.769	0.555	-4.389	2.031	1.986	1.94	-3.799	1.809	1.738	1.511	-3.34	1.397	1.374	1.445	0.202	0.421	0.368	0.164	0.288	0.315	0.282	0.273	0.423	0.375	0.286	0.285	0.155	0
SG&A Numbers are in millions	17.77	19.15	21.943	22.749	20.79	21.091	22.504	23.339	20.941	22.135	27.311	26.755	26.44	34.116	35.395	35.163	35.278	39.752	40.605	38.07	25.639	27.862	28.785	28.39	21.925	24.174	29.089	27.669	22.225	24.794	27.497	28.967	21.218	25.346	28.748	26.891	18.891	20.566	22.564	24.606	19.437	19.24	19.613	19.73	16.623	17.378	18.207	21.462	18.387	15.372	19.751	16.913	12.429	8.365	14.045	12.973	11.526	11.173	14.196	9.41	8.343	1.233	6.818	6.453	5.813	4.495	4.914	4.837	3.989	3.997	4.174	4.201	4.273	4.141	4.764	4.525	4.148	2.991	2.657
Other Expenses Numbers are in millions	7.66	5.631	5.92	6.649	5.714	7.815	6.795	6.651	7.148	8.19	7.263	7.161	7.064	5.918	6.793	6.934	6.387	6.385	11.06	8.411	8.493	6.729	6.589	6.086	6.619	4.3	6.5	6.164	6.934	7.524	6.819	7.22	7.84	7.095	6.793	7.34	6.331	6.807	7.222	7.341	6.991	7.314	7.417	7.873	7.009	6.032	6.209	5.985	5.484	12.985	8.066	9.323	7.086	14.079	5.171	5.048	3.828	12.226	4.057	2.464	2.758	5.034	3.1	2.929	3	2.477	6.319	3.816	3.013	3.658	3.031	2.805	2.543	2.806	3.007	2.802	2.508	2.441	-6.649
Operating Expenses Numbers are in millions	25.43	24.781	27.863	29.398	26.504	28.906	29.299	29.99	28.089	30.325	34.574	33.916	33.504	40.034	42.188	42.097	41.665	46.137	51.665	46.481	34.132	34.591	35.374	34.476	28.544	28.474	35.589	33.833	29.159	32.318	34.316	36.187	29.058	32.441	35.541	34.231	25.222	27.373	29.786	31.947	26.428	26.564	27.03	27.603	23.632	23.41	24.416	27.447	23.871	28.357	27.817	26.236	19.515	22.444	19.216	18.021	15.354	23.399	18.253	11.874	11.101	6.267	9.918	9.382	8.813	6.972	11.233	8.653	7.002	7.655	7.205	7.006	6.816	6.947	7.771	7.327	6.656	5.432	-3.992
Operating Income Numbers are in millions	3.881	6.206	5.886	7.143	4.781	-0.595	3.753	5.092	2.782	0.658	6.776	10.221	6.823	15.684	24.427	23.774	28.221	37.009	35.146	27.964	7.997	11.768	14.496	12.786	8.524	7.256	11.446	12.521	9.057	9.187	11.751	13.51	9.985	10.647	13.061	12.285	6.001	4.67	8.095	8.348	4.706	3.632	7.48	5.918	2.876	2.608	5.192	7.981	7.548	5.66	8.593	6.219	2.238	-3.905	-0.142	-1.359	-1.505	-0.385	-0.493	-1.1	0.176	-5.616	-3.572	1.849	-4.105	0.171	-19.609	-5.228	0.519	-0.31	0.366	-1.963	3.211	3.609	1.443	3.409	4.29	3.652	5.248
Operating Income Ratio Numbers are in millions	0.088	0.13	0.115	0.133	0.101	-0.014	0.078	0.109	0.071	0.018	0.153	0.22	0.157	0.272	0.352	0.346	0.387	0.418	0.374	0.327	0.16	0.221	0.254	0.236	0.2	0.174	0.219	0.247	0.22	0.202	0.233	0.251	0.239	0.225	0.243	0.236	0.162	0.122	0.183	0.178	0.127	0.1	0.185	0.15	0.09	0.081	0.142	0.187	0.192	0.136	0.191	0.152	0.068	-0.12	-0.004	-0.045	-0.055	-0.01	-0.015	-0.039	0.006	-0.276	-0.125	0.065	-0.154	0.007	-0.639	-0.19	0.02	-0.012	0.014	-0.075	0.127	0.139	0.059	0.143	0.186	0.192	0.535
Total Other Income Expenses Net Numbers are in millions	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	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	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	0	0	0	0
Income Before Tax Numbers are in millions	3.881	6.206	5.886	7.142	4.768	-0.595	3.753	5.092	2.782	0.658	6.776	10.221	6.823	15.684	24.427	23.774	28.221	37.009	35.146	27.964	7.997	11.768	14.496	12.786	8.524	7.256	11.446	12.521	9.057	9.187	11.751	13.51	9.985	10.647	13.061	12.285	6.001	4.67	8.095	8.348	4.706	3.632	7.48	5.918	2.876	2.608	5.192	7.981	7.548	5.66	8.593	6.219	2.238	-3.905	-0.142	-1.359	-1.505	-0.385	-0.493	-1.1	0.176	-5.616	-3.572	1.849	-4.105	0.171	-19.609	-5.228	0.519	-0.31	0.366	-1.963	3.211	3.609	1.443	3.409	4.29	3.652	5.248
Income Before Tax Ratio Numbers are in millions	0.088	0.13	0.115	0.133	0.101	-0.014	0.078	0.109	0.071	0.018	0.153	0.22	0.157	0.272	0.352	0.346	0.387	0.418	0.374	0.327	0.16	0.221	0.254	0.236	0.2	0.174	0.219	0.247	0.22	0.202	0.233	0.251	0.239	0.225	0.243	0.236	0.162	0.122	0.183	0.178	0.127	0.1	0.185	0.15	0.09	0.081	0.142	0.187	0.192	0.136	0.191	0.152	0.068	-0.12	-0.004	-0.045	-0.055	-0.01	-0.015	-0.039	0.006	-0.276	-0.125	0.065	-0.154	0.007	-0.639	-0.19	0.02	-0.012	0.014	-0.075	0.127	0.139	0.059	0.143	0.186	0.192	0.535
Income Tax Expense Numbers are in millions	0.845	0.996	1.158	1.43	1.73	-0.555	0.5	1.085	0.627	-0.277	1.506	2.231	1.532	3.131	5.427	5.88	6.877	9.174	8.853	7.016	1.928	2.974	3.572	3.143	1.982	1.578	2.743	3.101	2.104	6.072	4.362	4.622	3.413	4.248	5.556	4.518	2.14	1.598	2.896	3.064	1.69	1.318	2.715	2.148	0.993	0.671	1.973	3.054	2.923	-12.42	0.145	0.041	0.03	1.234	0.064	-0.775	0.039	0.03	0	0.022	0	-1.301	0	0.498	-0.503	-3.497	8.578	-2.692	-0.09	-0.617	-0.055	-0.694	1.112	1.325	0.537	1.252	1.584	3.062	1.794
Net Income Numbers are in millions	3.036	5.21	4.728	5.712	3.038	-0.04	3.253	4.007	2.155	0.935	5.27	7.99	5.291	12.553	19	17.894	21.344	27.835	26.293	20.948	6.069	8.794	10.924	9.643	6.542	5.678	8.703	9.42	6.953	3.115	7.389	8.888	6.572	6.399	7.505	7.767	3.861	3.072	5.199	5.284	3.016	2.314	4.765	3.77	1.883	1.937	3.219	4.927	4.625	18.08	8.448	6.178	2.208	-5.139	-0.206	-0.584	-1.544	-0.415	-0.493	-1.122	0.176	-4.315	-3.572	1.351	-3.602	3.668	-28.187	-2.536	0.609	0.307	0.421	-1.269	2.099	2.284	0.906	2.157	2.706	0.59	3.454
Net Income Ratio Numbers are in millions	0.069	0.11	0.093	0.106	0.064	-0.001	0.068	0.086	0.055	0.025	0.119	0.172	0.122	0.218	0.274	0.261	0.293	0.315	0.28	0.245	0.122	0.165	0.192	0.178	0.153	0.137	0.166	0.186	0.169	0.068	0.146	0.165	0.158	0.136	0.14	0.149	0.104	0.08	0.117	0.113	0.081	0.064	0.118	0.096	0.059	0.06	0.088	0.116	0.118	0.435	0.188	0.151	0.067	-0.158	-0.006	-0.019	-0.057	-0.01	-0.015	-0.04	0.006	-0.212	-0.125	0.047	-0.135	0.142	-0.919	-0.092	0.023	0.012	0.016	-0.049	0.083	0.088	0.037	0.09	0.117	0.031	0.352
EPS Numbers are in millions	0.17	0.28	0.26	0.31	0.16	-0.002	0.16	0.2	0.1	0.04	0.25	0.36	0.23	0.53	0.8	0.75	0.9	1.17	1.08	0.86	0.27	0.34	0.42	0.37	0.25	0.21	0.32	0.34	0.25	0.11	0.27	0.32	0.24	0.23	0.28	0.29	0.14	0.11	0.19	0.17	0.09	0.08	0.14	0.11	0.05	0.057	0.091	0.15	0.14	0	0.25	0.18	0.064	0	-0.009	-0.018	-0.046	0	-0.018	-0.037	0.009	0	-0.11	0.037	-0.11	0	-0.84	-0.073	0.018	0	0.009	-0.037	0.055	0	0.027	0.064	0.073	0.092	0.093
EPS Diluted Numbers are in millions	0.17	0.28	0.26	0.31	0.16	-0.002	0.16	0.2	0.1	0.04	0.25	0.36	0.23	0.53	0.79	0.74	0.89	1.17	1.08	0.85	0.27	0.34	0.42	0.37	0.24	0.21	0.31	0.34	0.25	0.11	0.26	0.32	0.24	0.23	0.27	0.29	0.14	0.1	0.19	0.17	0.09	0.078	0.14	0.11	0.05	0.057	0.091	0.15	0.14	0	0.25	0.18	0.064	0	-0.009	-0.018	-0.046	0	-0.018	-0.037	0.009	0	-0.11	0.037	-0.11	0	-0.84	-0.073	0.018	0	0.009	-0.037	0.055	0	0.027	0.064	0.073	0.092	0.093
EBITDA Numbers are in millions	4.592	6.799	6.648	7.775	5.254	0.438	4.468	5.83	3.597	1.597	7.799	11.211	7.904	16.814	25.833	25.543	29.97	39.94	36.726	29.143	9.254	12.46	15.168	13.435	9.199	7.893	12.091	13.119	9.663	9.723	12.279	14.063	10.524	11.286	13.849	13.255	6.867	5.508	8.898	9.329	5.681	4.576	8.292	6.966	3.8	3.724	6.123	8.901	8.423	5.17	9.317	6.718	2.724	-3.912	0.48	-0.733	-0.904	0.163	-0.086	-0.655	0.635	-4.961	-3.16	2.292	-3.645	1.085	-17.099	-6.667	1.295	1.521	0.953	-1.322	3.818	4.567	2.888	3.819	5.045	4.194	5.836
EBITDA Ratio Numbers are in millions	0.105	0.143	0.13	0.145	0.112	0.01	0.093	0.124	0.091	0.044	0.176	0.241	0.182	0.292	0.373	0.372	0.411	0.451	0.391	0.341	0.186	0.234	0.266	0.248	0.216	0.19	0.231	0.258	0.235	0.214	0.243	0.261	0.252	0.239	0.258	0.254	0.185	0.144	0.201	0.199	0.153	0.126	0.205	0.177	0.118	0.115	0.167	0.209	0.215	0.124	0.207	0.164	0.082	-0.12	0.014	-0.024	-0.033	0.004	-0.003	-0.024	0.023	-0.244	-0.11	0.08	-0.137	0.042	-0.557	-0.242	0.049	0.058	0.036	-0.051	0.152	0.176	0.118	0.16	0.219	0.221	0.595

Waterstone Financial, Inc.

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