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Waterstone Financial
Waterstone Financial (WSBF) investor relations material
Waterstone Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for Q4 2025 was $7.7 million ($0.44 per diluted share), up from $5.2 million ($0.28 per share) in Q4 2024 and slightly down from $7.9 million ($0.45 per share) in Q3 2025.
Full-year 2025 net income per diluted share was $1.48, up from $1.01 in 2024.
Book value per share increased to $19.03 at year-end 2025 from $17.53 at year-end 2024.
$5.3 million was returned to shareholders in Q4 2025 through buybacks and dividends.
Financial highlights
Consolidated return on average assets (annualized) was 1.35% for Q4 2025, up from 0.94% in Q4 2024.
Consolidated return on average equity (annualized) was 8.74% for Q4 2025, up from 6.05% in Q4 2024.
Net interest income for Q4 2025 was $15.7 million, up from $12.8 million in Q4 2024.
Net interest margin rose to 2.89% in Q4 2025 from 2.42% in Q4 2024.
Nonperforming assets as a percentage of total assets was 0.29% at year-end 2025.
Outlook and guidance
Management highlighted strong asset quality, deposit growth, and net interest margin as drivers for continued performance.
The mortgage banking segment is expected to benefit from increased refinance activity if rates remain favorable.
NIM drivers: sustainability of cost reductions?
Mortgage segment: future of refinance activity?
Construction loan payoffs: impact on future growth?
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Next Waterstone Financial earnings date
Q1 202621 Apr, 2026
Waterstone Financial
Next Waterstone Financial earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Waterstone Financial, Inc. is a financial services holding company primarily engaged in banking and mortgage banking operations. Through its subsidiary, WaterStone Bank SSB, the company provides a range of banking services, including personal and business banking, loans, and deposit products. WaterStone Bank serves individual customers, small and medium-sized businesses, and commercial clients. In addition to traditional banking services, Waterstone Financial is involved in mortgage banking through its subsidiary, Waterstone Mortgage Corporation, which offers residential mortgage loan origination and related services across various states. The company is headquartered in Wauwatosa, Wisconsin, and its shares are listed on the NASDAQ.
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