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Dec 31, 2025
Waterstone Financial Q4 2025 Earnings Report
Waterstone Financial reported higher earnings in Q4 2025, driven by improved net interest margin and increased mortgage banking income.
Key Takeaways
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.
Net income rose to $7.7 million in Q4 2025, up from $5.2 million in Q4 2024.
EPS increased to $0.44 per diluted share compared to $0.28 a year ago.
Net interest margin improved to 2.89% from 2.42% in Q4 2024.
Mortgage loan originations climbed to $534.6 million with higher refinance activity.
Revenue by Segment
Forward Guidance
Management remains optimistic due to improved margin and loan demand, though economic headwinds could weigh on growth.
Positive Outlook
- Strong net interest margin performance driven by favorable loan yields
- Improving asset quality supported by net recoveries
- Continued profitability in mortgage banking segment
- Stable deposit growth across core segments
- Increase in book value per share reflecting stronger fundamentals
Challenges Ahead
- Higher past due loan balances compared to prior quarter
- Elevated noninterest expenses from staffing and benefits
- Loan pipeline and construction loan balances decreased
- Mortgage banking remains sensitive to rate volatility
Historical Earnings Impact
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Avg. Return Before/After Earnings
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