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.
Management remains optimistic due to improved margin and loan demand, though economic headwinds could weigh on growth.
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