Short answer
Waterstone Financial, Inc. (WSBF) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $30M (up 1.3% year over year) with net income of $8M.
Q3 2025 key financials · XBRL
- Revenue
- $30M
- +1.3% YoY · +3.0% QoQ
- Net income
- $8M
- +67.6% YoY · +2.6% QoQ
- EPS (diluted)
- $0.45
- +80.0% YoY · +7.1% QoQ
Source: XBRL data from the Waterstone Financial, Inc. (WSBF) Q3 2025 10-Q on SEC EDGAR. USD.
Waterstone Financial, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly net income $7.9M vs $4.7M YoY; annualized ROA 1.42% vs 0.83%
- Net interest margin 2.76% vs 2.14% YoY; net interest income $14.7M vs $11.5M
- Community banking best performer: net income $6.9M vs $4.7M; mortgage banking $948K vs $(50K)
- Mortgage originations $535.6M vs $555.5M, down 3.6%; mortgage banking income $20.9M vs $21.3M
- Borrowings fell $159.6M in average balance; borrowing interest expense declined $2.9M to $4.3M
- Headwinds: lower mortgage volume and interest-rate, economic, liquidity, credit, and funding risks noted by management
Risk Factors
- Risk Factors section not provided in submitted filing text
- No newly added risk or material update identifiable from available pages
- Regulatory, operational, market, and financial risks not assessable from provided excerpt
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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