WSBF at a glance
Waterstone Financial, Inc. (WSBF, SEC CIK 1569994) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 22, 2026 and Form 4 insider filings as recently as August 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Waterstone Financial, Inc. (WSBF) reported revenue of $116.1 million (up 2.6% from FY2024) and net income of $26.4 million. Diluted EPS was $1.48.
- As of June 30, 2026, 23 institutional investment managers tracked by SignalX reported holding Waterstone Financial, Inc. (WSBF) shares worth $134.4 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Gordon Ryan J on August 13, 2026 of 1,300 shares at $21.11 per share.
- In the last 90 days, WSBF insiders reported 0 open-market purchases ($0) and 3 open-market sales ($172K) on Form 4, a net sale of $172K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $116.1M
- +2.6% vs prior year
- Insiders · 90 days
- 0 buys · 3 sells
- Net −$172K
- 13F holders
- 23 funds
- $134.4M · +0 vs prior quarter
- Latest 8-K
- Sep 22, 2026
- Item 8.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly net income $8.462M vs $7.727M YoY; EPS $0.49 vs $0.43
- Net interest margin 3.03% vs 2.60%; net interest income $16.0M vs $13.7M
- Community banking best performer: net income $7.3M vs $6.2M; mortgage banking $1.2M vs $1.5M
- Mortgage originations $614.7M vs $589.0M; gross margin decreased 6.2%
- Credit-loss provision $236K vs negative $9K; commercial real estate factors increased
Risk Factors
- Mortgage banking margins weakened from lower secondary-market investor sales margins during quarter ended June 30, 2026
- Continued margin pressure threatens mortgage banking and consolidated profitability
- Interest-rate volatility could reduce residential mortgage demand from consumers and investors
- No separate liquidity, debt-maturity, currency, or concentration risk disclosed in provided section
AI summary of the WSBF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Regular quarterly common-stock dividend declared on September 22, 2026
- Dividend details contained in Exhibit 99.1
Item 2.02: Results of Operations and Financial Condition
- Q2 and six-month results ended June 30, 2026, furnished under Item 2.02
- Press release issued July 23, 2026; detailed financial results in Exhibit 99.1
Item 8.01: Other Events
- Board declared a regular quarterly dividend on outstanding common shares
- Dividend declaration signals continued shareholder distributions
AI summaries of WSBF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for WSBF
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Gordon Ryan J | Sell | Aug 13, 2026 | 1,300 | $21.11 |
| Gordon Ryan J | Sell | Aug 13, 2026 | 620 | $21.10 |
| Gordon Ryan J | M | Aug 13, 2026 | 10,000 | $17.20 |
| Gordon Ryan J | M | Aug 13, 2026 | 10,000 | $17.20 |
| Gordon Ryan J | Sell | Aug 13, 2026 | 6,237 | $21.14 |
| Gerke Mark Raymond | M | May 21, 2026 | 10,000 | $14.98 |
| Gerke Mark Raymond | Sell | May 21, 2026 | 10,000 | $18.34 |
| Gerke Mark Raymond | M | May 21, 2026 | 10,000 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $99.2M | $113.2M | $116.1M |
| Net Income | $9.4M | $18.7M | $26.4M |
| Net Margin | 9.4% | 16.5% | 22.7% |
| Balance Sheet | |||
| Total Assets | $2.2B | $2.2B | $2.3B |
| Equity | $344.1M | $339.1M | $349.4M |
| ROE | 2.7% | 5.5% | 7.6% |
| Per Share | |||
| EPS | - | $1.01 | $1.48 |
| Cash Flow | |||
| Operating CF | -$27.6M | $48.1M | $24.2M |
| CapEx | $700K | $1.1M | $1.2M |
Source: XBRL data in Waterstone Financial, Inc. (WSBF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate WSBF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 23 | $134.4M |
| Q1 2026 | 23 | $115.8M |
| Q4 2025 | 21 | $107.5M |
| Q3 2025 | 21 | $104.3M |
| Q2 2025 | 22 | $93.2M |
| Q1 2025 | 20 | $67.1M |
| Q4 2024 | 16 | $62.3M |
| Q3 2024 | 13 | $53.1M |
- BlackRock+135.8K (+9%)
- Morgan Stanley+44.2K (+29%)
- AQR Capital Management+34.3K (+15%)
- Vanguard Portfolio Management LLC+14.2K (+16%)
- Wells Fargo & Co+7.0K (+109%)
- Vanguard Capital Management LLC−59.2K (-8%)
- Goldman Sachs Group−57.8K (-23%)
- Renaissance Technologies LLC−42.9K (-4%)
- Two Sigma Investments−21.4K (-25%)
- Citadel Advisors LLC−12.4K (-31%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 159 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
WSBF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 22, 2026 | - | Analysis | - |
| 4 | Aug 17, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jun 23, 2026 | - | Analysis | - |
| 4 | May 22, 2026 | - | - | |
| 8-K | May 19, 2026 | - | Analysis | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 27, 2026 | - | Analysis | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 8-K | Mar 17, 2026 | - | Analysis | - |
| 10-K | Feb 26, 2026 | Dec 31, 2025 | - | |
| 4 | Feb 20, 2026 | - | - | |
| 4 | Feb 10, 2026 | - | - | |
| 4 | Feb 6, 2026 | - | - | |
| 4 | Feb 5, 2026 | - | - | |
| 4 | Feb 4, 2026 | - | - | |
| 8-K | Jan 28, 2026 | - | - | |
| 8-K | Dec 18, 2025 | - | - | |
| 10-Q | Nov 6, 2025 | Sep 30, 2025 | Analysis | |
| 10-Q | Aug 7, 2025 | Jun 30, 2025 | - | |
| 10-Q | May 8, 2025 | Mar 31, 2025 | - | |
| 10-K | Feb 28, 2025 | Dec 31, 2024 | - | |
| 10-Q | Nov 4, 2024 | Sep 30, 2024 | - | |
| 10-Q | Aug 6, 2024 | Jun 30, 2024 | - |
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WSBF SEC filings: frequently asked questions
Are WSBF insiders buying or selling?
In the last 90 days, Waterstone Financial, Inc. (WSBF) officers, directors and 10% owners reported no open-market purchases and 3 open-market sales worth $172,406 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold WSBF stock?
As of June 30, 2026, the largest Waterstone Financial, Inc. (WSBF) holders among the 13F filers tracked by SignalX were BlackRock ($34.0 million), Dimensional Fund Advisors ($29.4 million), Renaissance Technologies LLC ($21.8 million), Vanguard Capital Management LLC ($13.3 million), State Street Corp ($8.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was WSBF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Waterstone Financial, Inc. (WSBF) reported revenue of $116.1 million (up 2.6% from FY2024) and net income of $26.4 million. Diluted EPS was $1.48. The figures come from the XBRL data in the 10-K.
What did WSBF report in its latest 8-K?
Waterstone Financial, Inc. (WSBF) filed an 8-K on September 22, 2026 reporting Item 8.01 (Other Events). Regular quarterly common-stock dividend declared on September 22, 2026.
What are the latest WSBF SEC filings?
Waterstone Financial, Inc. (WSBF) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 22, 2026 and a Form 4 insider filing on August 17, 2026.
What is WSBF's SEC CIK number?
Waterstone Financial, Inc. (WSBF)'s SEC Central Index Key (CIK) is 1569994. EDGAR lists every WSBF filing under that number.
Ask anything about WSBF
The research agent reads WSBF's filings, financials, insider trades and 13F holders, then answers with sources.