Waterstone Financial (WSBF)
Runs a southeastern Wisconsin bank and a multistate residential mortgage business.
$20.80
After-hours close+0.06 (+0.29%)
At close$20.74(+0.24%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 48 | 43 | 47 | 54 | 51 | 48 | 44 | 52 | 51 | 54 | 49 | 7 |
| Cost of revenue | 15 | 15 | 16 | 17 | 17 | 17 | 15 | 15 | 15 | 14 | 14 | 14 |
| Gross profit | 33 | 28 | 31 | 37 | 34 | 31 | 29 | 37 | 37 | 40 | 35 | −7 |
| 29 | 29 | 27 | 29 | 28 | 25 | 25 | 28 | 27 | 30 | 28 | 1 | |
| 23 | 21 | 21 | 23 | 22 | 19 | 2 | 1 | 21 | −19 | 1 | 1 | |
| Selling & marketing | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| General & administrative | 22 | 20 | 20 | 22 | 21 | 18 | 2 | 1 | 21 | −20 | 0 | 0 |
| Other expenses | 7 | 8 | 6 | 7 | 6 | 6 | 23 | 26 | 6 | 50 | 27 | 0 |
| Operating income | 4 | −1 | 5 | 7 | 6 | 6 | 4 | 10 | 10 | 10 | 8 | −8 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18 | |
| Interest income | 26 | 27 | 27 | 28 | 29 | 29 | 28 | 29 | 30 | 30 | 29 | −29 |
| Interest expense | 14 | 15 | 16 | 17 | 18 | 16 | 15 | 15 | 15 | 14 | 14 | 14 |
| Income before tax | 4 | −1 | 5 | 7 | 6 | 6 | 4 | 10 | 10 | 10 | 8 | 11 |
| Income tax expense | 1 | −1 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| Net income from continuing operations | 3 | 0 | 3 | 6 | 5 | 5 | 3 | 8 | 8 | 8 | 6 | 8 |
| Net income | 3 | 0 | 3 | 6 | 5 | 5 | 3 | 8 | 8 | 8 | 6 | 8 |
| EPS, basic | $0.16 | −$0.00 | $0.16 | $0.31 | $0.26 | $0.28 | $0.17 | $0.43 | $0.44 | $0.44 | $0.35 | $0.49 |
| EPS, diluted | $0.16 | −$0.00 | $0.16 | $0.31 | $0.26 | $0.28 | $0.17 | $0.43 | $0.44 | $0.44 | $0.34 | $0.50 |
| Weighted average shares, basic | 20 | 19 | 19 | 19 | 18 | 18 | 18 | 18 | 18 | 18 | 17 | 17 |
| Weighted average shares, diluted | 20 | 19 | 19 | 19 | 18 | 18 | 18 | 18 | 18 | 18 | 17 | 17 |
| EBITDA | 4 | 0 | 5 | 8 | 7 | 7 | 5 | 10 | 10 | 11 | 8 | −8 |
| Depreciation & amortization | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | −1 |
| EBIT | 4 | −1 | 5 | 7 | 6 | 6 | 4 | 10 | 10 | 10 | 8 | −8 |