Waterstone Financial, Inc.WSBFNASDAQ

Revenue (LTM)

$202M

+1.1% YoY

Net Income (LTM)

$26M

+41.3% YoY

Free Cash Flow

$18M

Revenue CAGR (5Y)

-8.7%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	268	171↓36.3%	177↑3.5%	199↑12.7%	202↑1.1%
Gross Profit	258	157↓39.2%	127↓18.8%	133↑4.1%	144↑8.4%
Operating Income	92	24↓73.4%	11↓54.9%	24↑117.6%	33↑39.3%
Net Income	71	19↓72.5%	9↓51.9%	19↑99.3%	26↑41.3%
EBITDA	98	29↓71.0%	14↓49.7%	26↑84.7%	33↑26.3%
EPS Diluted	2.96	0.89↓69.9%	0.46↓48.3%	1.01↑119.6%	1.48↑46.5%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	363	36↓90.1%	31↓14.7%	35↑15.6%	64↑79.2%
Total Current Assets	587	292↓50.2%	236↓19.3%	191↓18.9%	1,952↑921.0%
Total Assets	2,216	2,032↓8.3%	2,213↑8.9%	2,210↓0.2%	2,260↑2.3%
Total Current Liabilities	1,241	1,386↑11.7%	1,502↑8.4%	1,656↑10.3%	222↓86.6%
Total Liabilities	1,783	1,661↓6.8%	1,869↑12.5%	1,870↑0.1%	1,910↑2.1%
Total Equity	433	370↓14.4%	344↓7.1%	339↓1.4%	349↑3.0%
Total Debt	477	387↓18.9%	466↑20.5%	447↓4.2%	412↓7.7%
Net Debt	114	351↑206.7%	435↑24.1%	411↓5.6%	349↓15.2%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	142	207↑45.5%	-28↓113.3%	48↑274.3%	19↓60.4%
Capital Expenditure	-1	-1↑9.9%	-1↑0.1%	-1↓57.0%	-1↓6.0%
Free Cash Flow	141	206↑45.8%	-28↓113.7%	47↑266.1%	18↓62.0%
Stock-Based Comp	1	1↓21.7%	0↓52.5%	0↑14.1%	0
Net Change in Cash	282	-330↓217.1%	-10↑96.9%	3↑132.7%	31↑838.5%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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