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Waterstone Financial Inc (WSBF) Annual Income Statement

Annual · GAAP · USD millions
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From Waterstone Financial Inc through Dec 31 2021, changes in Dec 31 2025's revenue and cost structure provide insight into profitability trends.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases104.75
Interest Income, Securities, Mortgage Backed5.22
Other Income6.14
Total Interest Income116.11
Interest Expense, Deposits43.52
Interest Expense, Borrowings15.86
Net Interest (-)Expense / Income-59.37
Net Interest Income56.73
Provision for loan losses-1.39
Total Net Interest Income58.13
Service Fees, Investment Banking, Brokerage and Other Transactions2.09
Other Non-interest Income1.32
Other Non-Interest Income16.58
Total Non-interest Income85.19
Total Revenues143.32
Costs & Expenses
Salaries & employee benefits, SGA79.62
Communications, Occupancy and Information Technology12.14
Professional Fees and Commission2.84
Other Noninterest Expense8.75
Other loss /-income6.53
Total Operating Expenses109.87
Total Costs & Expenses169.24
Income & Taxes
Income /-loss before income taxes33.45
Income taxes expenses/-benefit7.04
Income after income taxes26.40
Income /-loss after income taxes26.40
Net Income/-loss26.40
Income/-loss to shareholder26.40
Earnings Per Share
Basic EPS (excl. extra items)1.48
Basic Net EPS1.48
Basic shares outstanding (Mill. of Units)17.84
Diluted Net EPS1.48
Diluted average shares (Mill. of Units)17.87
Dividend per share0.60
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About Waterstone Financial Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.