Waterstone Financial financials
$20.20−0.93%
Close Sep 28, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $53.8M | $49.2M | $51.6M | $51.9M | $53.0M | $44.9M | $48.1M | $51.7M | $54.5M | $48.2M | $43.6M | $48.6M |
| Gross profit | $40.3M | $35.7M | $37.2M | $37.0M | $38.0M | $29.7M | $31.8M | $34.1M | $37.2M | $32.4M | $28.6M | $34.2M |
| Gross margin | 74.8% | 72.5% | 72.1% | 71.4% | 71.7% | 66.2% | 66.3% | 65.8% | 68.2% | 67.3% | 65.7% | 70.4% |
| Operating income | $10.6M | $7.6M | $10.1M | $9.8M | $9.7M | $3.9M | $6.2M | $5.9M | $7.1M | $4.8M | -$595.0K | $3.8M |
| Net income | $8.5M | $6.0M | $7.7M | $7.9M | $7.7M | $3.0M | $5.2M | $4.7M | $5.7M | $3.0M | -$40.0K | $3.3M |
| Net margin | 15.7% | 12.2% | 15.0% | 15.3% | 14.6% | 6.8% | 10.8% | 9.1% | 10.5% | 6.3% | −0.1% | 6.7% |
| Diluted EPS | $0.49 | $0.34 | $0.44 | $0.45 | $0.43 | $0.17 | $0.28 | $0.26 | $0.31 | $0.16 | $0.00 | $0.16 |
| EBITDA | $10.6M | $7.6M | $10.1M | $9.8M | $9.7M | $3.9M | $6.2M | $5.9M | $7.1M | $4.8M | -$595.0K | $3.8M |
| Operating cash flow | $9.5M | -$647.0K | $3.2M | $32.7M | -$38.4M | $26.7M | $23.4M | $74.1M | -$39.5M | -$9.9M | -$999.0K | $48.4M |
| Free cash flow | $9.4M | -$1.6M | $2.6M | $32.4M | -$38.5M | $26.5M | $23.1M | $73.9M | -$39.7M | -$10.3M | -$1.4M | $48.3M |
| Diluted shares | 17.2M | 17.4M | 17.5M | 17.7M | 18.0M | 18.3M | 18.3M | 18.4M | 18.6M | 19.0M | 19.4M | 20.0M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $32.7M | $38.8M | $63.6M | $50.1M | $63.2M | $37.5M |
| Short-term investments | $262.0M | $261.7M | $258.2M | $250.8M | $246.9M | $237.8M |
| Total debt | $412.0M | $413.0M | $412.3M | $469.1M | $465.7M | $395.9M |
| Total assets | $2.25B | $2.25B | $2.26B | $2.27B | $2.26B | $2.18B |
| Total liabilities | $1.90B | $1.90B | $1.91B | $1.92B | $1.92B | $1.83B |
| Shareholders' equity | $351.1M | $348.2M | $349.4M | $345.5M | $341.5M | $341.4M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology