Waterstone Financial posted a strong Q4 2025 with net income of $7.7 million, boosted by higher net interest income and improved profitability in both community and mortgage banking segments.

Waterstone Financial, Inc. reported a net income of $3.036 million for the quarter ended March 31, 2025, with diluted EPS of $0.17. The Community Banking segment showed strong performance with increased net interest income and margin, while the Mortgage Banking segment experienced a pre-tax loss due to decreased loan origination volumes and elevated legal expenses.

Waterstone Financial, Inc. reported a net income of $5.2 million, or $0.28 per diluted share, for the quarter ended December 31, 2024, compared to a net loss of $40,000 for the same quarter in the previous year. The company saw improvements in its Community Banking segment and maintained profitability in its Mortgage Banking segment through cost control.

Waterstone Financial, Inc. reported a net income of $4.7 million, or $0.26 per diluted share, for the quarter ended September 30, 2024. The Community Banking segment saw growth in loan and core deposit balances, while the Mortgage Banking segment remained profitable due to cost control measures.

Waterstone Financial, Inc. reported a net income of $5.7 million, or $0.31 per diluted share, for the quarter ended June 30, 2024. The results reflect efforts to improve efficiencies in the Mortgage Banking segment.

Waterstone Financial, Inc. reported a net income of $3.0 million, or $0.16 per diluted share, for the quarter ended March 31, 2024, compared to a net income of $2.2 million, or $0.10 per diluted share, for the quarter ended March 31, 2023. The current year reflects a $0.04 per share one-time charge related to a change in Wisconsin state tax law.

Waterstone Financial, Inc. reported a net loss of $40,000 for the quarter ended December 31, 2023, compared to a net income of $935,000 for the quarter ended December 31, 2022. The company faced challenges due to market dynamics affecting both Community Banking and Mortgage Banking segments, including rising interest rates and declining mortgage origination volumes.

Waterstone Financial, Inc. reported a net income of $3.3 million, or $0.16 per diluted share, for the quarter ended September 30, 2023, compared to $5.3 million, or $0.25 per diluted share, for the quarter ended September 30, 2022. The Community Banking Segment showed strong asset quality and growth in loans and deposits, while the Mortgage Banking segment was negatively impacted by industry challenges.

Waterstone Financial, Inc. reported a net income of $4.0 million, or $0.20 per diluted share, for the quarter ended June 30, 2023, compared to $8.0 million, or $0.36 per diluted share, for the quarter ended June 30, 2022. The Community Banking segment showed strong asset quality and loan portfolio growth, while the Mortgage Banking segment experienced a loss due to low housing inventory and higher mortgage rates. A 2,000,000 share repurchase program was announced during the quarter.

Waterstone Financial, Inc. reported a net income of $2.2 million, a decrease compared to $5.3 million in the same quarter last year. The Community Banking segment experienced an increase in pre-tax income, but the Mortgage Banking segment faced challenges due to higher mortgage rates and housing inventory shortage.

Waterstone Financial, Inc. reported a net income of $935,000, or $0.04 per diluted share, for the quarter ended December 31, 2022, a decrease compared to $12.6 million, or $0.53 per diluted share, for the quarter ended December 31, 2021. The community banking segment experienced loan growth, while the mortgage banking segment faced lower volumes and declining margins.

Waterstone Financial reported net income of $5.3 million, or $0.25 per diluted share, for the quarter ended September 30, 2022. The community banking segment showed strong loan growth, but the mortgage banking segment faced significant headwinds due to increased rates and declining demand.

Waterstone Financial, Inc. reported net income of $8.0 million, or $0.36 per diluted share, for the quarter ended June 30, 2022. This is a decrease compared to the $17.9 million, or $0.74 per diluted share, reported for the quarter ended June 30, 2021. The community banking segment experienced strong loan growth, particularly in commercial real estate, while the mortgage banking segment focused on maintaining profitability amidst decreased origination volumes due to higher interest rates.

Waterstone Financial, Inc. reported a net income of $5.3 million, or $0.23 per diluted share, for the quarter ended March 31, 2022, compared to $21.3 million, or $0.89 per diluted share, for the quarter ended March 31, 2021.

Waterstone Financial, Inc. reported a decrease in net income for the quarter ended June 30, 2021, compared to the same quarter in the previous year, but declared a special dividend of $0.50 per share and repurchased approximately 59,000 shares during the quarter.

Waterstone Financial, Inc. reported a record first quarter profit, with net income reaching $21.3 million, or $0.89 per diluted share, compared to $6.1 million, or $0.24 per diluted share, for the same quarter last year.

Waterstone Financial, Inc. reported a significant increase in net income for the quarter ended December 31, 2020, with net income reaching $27.8 million, or $1.17 per diluted share, compared to $8.8 million, or $0.34 per diluted share, for the same quarter in the previous year.

Waterstone Financial, Inc. reported a significant increase in net income for the quarter ended September 30, 2020, with earnings per diluted share also increasing. The company's CEO highlighted the team's efforts leading to record quarterly profits and the ability to meet customer demands.

Waterstone Financial, Inc. reported a significant increase in net income for the quarter ended June 30, 2020, with earnings of $20.9 million, or $0.85 per diluted share, compared to $9.6 million, or $0.37 per diluted share, for the same quarter in 2019. The increase was driven by record quarterly earnings in the mortgage banking segment and the launch of a new digital banking platform in the Community Bank segment.

Waterstone Financial, Inc. reported a net income of $6.9 million, or $0.27 per diluted share, for the quarter ended March 31, 2020, compared to $6.5 million, or $0.24 per diluted share, for the quarter ended March 31, 2019.

Waterstone Financial, Inc. reported a net income of $8.8 million, or $0.34 per diluted share, for the quarter ended December 31, 2019, compared to $5.7 million, or $0.21 per diluted share, for the quarter ended December 31, 2018. The record $11.8 million in consolidated 4th quarter pre-tax income represents a 62.2% increase over the prior year’s comparable quarter.