Waterstone Financial financials
$20.20−0.93%
Close Sep 28, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $201.3M | $202.5M | $180.4M | $175.8M | $273.1M | $322.5M | $210.5M | $191.9M | $191.5M | $190.1M |
| Gross profit | $141.9M | $135.5M | $131.4M | $162.5M | $258.7M | $297.5M | $182.9M | $172.4M | $175.1M | $169.8M |
| Gross margin | 70.5% | 66.9% | 72.8% | 92.4% | 94.7% | 92.3% | 86.9% | 89.8% | 91.5% | 89.3% |
| Operating income | $33.4M | $24.0M | $11.0M | $24.5M | $92.1M | $108.1M | $47.6M | $40.3M | $44.4M | $42.0M |
| Net income | $26.4M | $18.7M | $9.4M | $19.5M | $70.8M | $81.1M | $35.9M | $30.8M | $26.0M | $25.5M |
| Net margin | 13.1% | 9.2% | 5.2% | 11.1% | 25.9% | 25.2% | 17.1% | 16.0% | 13.6% | 13.4% |
| Diluted EPS | $1.48 | $1.01 | $0.46 | $0.89 | $2.96 | $3.30 | $1.37 | $1.11 | $0.93 | $0.93 |
| EBITDA | $33.4M | $24.0M | $11.0M | $24.5M | $92.1M | $108.1M | $47.6M | $40.3M | $44.4M | $42.0M |
| Operating cash flow | $24.2M | $48.1M | -$27.6M | $206.7M | $142.0M | -$93.6M | -$40.2M | $41.5M | $107.1M | -$24.1M |
| Free cash flow | $23.0M | $47.0M | -$28.3M | $206.0M | $141.2M | -$94.8M | -$43.3M | $37.5M | $105.5M | -$25.1M |
| Diluted shares | 17.9M | 18.6M | 20.2M | 22.0M | 23.9M | 24.6M | 26.2M | 27.6M | 27.9M | 27.4M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $63.6M | $35.2M | $30.7M | $33.7M | $343.0M | $56.2M |
| Short-term investments | $258.2M | $233.4M | $231.5M | $226.9M | $237.2M | $224.9M |
| Total debt | $412.3M | $446.5M | $611.1M | $386.8M | $477.1M | $508.1M |
| Total assets | $2.26B | $2.21B | $2.21B | $2.03B | $2.22B | $2.18B |
| Total liabilities | $1.91B | $1.87B | $1.87B | $1.66B | $1.78B | $1.77B |
| Shareholders' equity | $349.4M | $339.1M | $344.1M | $370.5M | $432.8M | $413.1M |
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