Welcome to our dedicated page for Waterstone Finl Md SEC filings (Ticker: WSBF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Trying to locate net interest margin trends or segment profit in Waterstone Financial’s dense reports? Investors typically head straight to the 10-K for community-bank loan quality details or scan the 10-Q for mortgage banking volume swings. Others ask, “Where can I see Waterstone Financial insider trading Form 4 transactions before the next dividend?” This page gathers every filing the moment it hits EDGAR so you can move from question to answer without wading through hundreds of pages.
Use Stock Titan’s AI to surface exactly what you need. Our engine tags each Waterstone Financial quarterly earnings report 10-Q filing and extracts allowance for credit losses, deposit mix, and segment margins. It also delivers Waterstone Financial Form 4 insider transactions real-time, highlighting executive stock buys and sells. Want context? The platform offers Waterstone Financial SEC filings explained simply, linking footnotes across 8-Ks, proxy statements, and exhibits so you grasp changes in capital strategy within minutes.
Unique to WSBF, the split between Community Banking and national Mortgage Banking means different risk drivers live in different documents. The annual Waterstone Financial earnings report filing analysis shows how net interest income offsets mortgage gain-on-sale volatility. Meanwhile, understanding Waterstone Financial SEC documents with AI lets you track liquidity ratios, fair-value marks, and CECL adjustments without spreadsheet gymnastics. You’ll also find Waterstone Financial executive stock transactions Form 4, the Waterstone Financial annual report 10-K simplified, the Waterstone Financial proxy statement executive compensation breakdown, and every Waterstone Financial 8-K material events explained the day they are filed. Real-time alerts, concise AI summaries, and historical comparisons – all in one place.
Waterstone Financial (WSBF) reported stronger Q3 2025 results. Net income rose to $7.9 million from $4.7 million a year ago, and diluted EPS improved to $0.45 from $0.26. Net interest income increased to $14.7 million as interest expense declined, and the company recorded a credit to provision for credit losses of $0.3 million.
Noninterest income was $22.3 million, with mortgage banking income of $20.9 million compared with $21.3 million last year. Noninterest expense decreased to $27.5 million. Total assets were $2.27 billion and deposits reached $1.39 billion. Loans receivable were $1.71 billion, with the allowance for credit losses at $17.7 million. Available-for-sale securities carried $18.5 million in unrealized losses, an improvement from $24.5 million at year-end, lifting accumulated other comprehensive loss.
The company returned capital through a $0.15 quarterly dividend and ongoing share repurchases, reducing outstanding shares to 18,524,115 at September 30, 2025.
Waterstone Financial (WSBF) director reports open‑market sales. On 10/27/2025, a director sold 79,872 shares of common stock at a weighted average price of $15.16 and separately sold 1,541 shares at a weighted average price of $15.16. The filing notes these were executed in multiple trades within a price range of $15.15 to $15.35.
Following the transactions, the filing shows 0 shares beneficially owned directly and 0 shares beneficially owned indirectly by trust. The filer undertakes to provide full trade‑level detail within the stated price ranges upon request.
Waterstone Financial, Inc. (WSBF) filed an 8-K announcing results. The company furnished a press release reporting its financial results for the quarter and year ended September 30, 2025, under Item 2.02. The press release is provided as Exhibit 99.1 and incorporated by reference. The filing was signed by Chief Financial Officer Mark R. Gerke on October 23, 2025.
Waterstone Financial (WSBF) announced board changes. On October 21, 2025, director Michael Hansen resigned as Chair of the Audit Committee, with the company stating his decision was not due to any disagreement on operations, policies, or practices. He plans to retire from the Board effective December 31, 2025 and will continue serving on the Audit, Executive, and Nominating and Corporate Governance Committees until then.
The Audit Committee appointed Laura Piotrowski as its new Chair on October 21, 2025. She joined the Audit Committee on July 8, 2025 and is the CEO and President of Cavendish Vernal. Piotrowski is a CPA with prior senior finance and leadership roles.
Laura Ellen Piotrowski filed an Form 3 reporting initial beneficial ownership in Waterstone Financial, Inc. (WSBF). The filing lists Ms. Piotrowski as a director who directly owns 8,798 shares of common stock. The event requiring the statement is dated 07/22/2025, and the form bears a signature executed by an attorney-in-fact on 10/02/2025.
Waterstone Financial, Inc. (WSBF) director Molly A. Mulroy reported direct ownership of 8,798 shares of the issuer's common stock. The event requiring the statement occurred on 07/22/2025 and the Form 3 was submitted reflecting her role as a director. The filing is an initial ownership report and was executed via attorney-in-fact on 10/02/2025.
Michael L. Hansen, a director of Waterstone Financial, Inc. (WSBF), reported several sales of the issuer's common stock in August 2025. On 08/12/2025 he sold 35,290 shares at a weighted average price of $13.9193, leaving 111,068 shares held indirectly by a trust. On 08/13/2025 he sold 109,527 shares at a weighted average price of $14.0469, leaving 1,541 shares held indirectly by a trust. The filing also lists an additional disposition of 79,872 shares. The footnotes state the reported prices are weighted averages across multiple trades within specified ranges.
Michael L. Hansen, a director at Waterstone Financial, Inc. (WSBF), reported a sale of common stock on 08/11/2025. The Form 4 discloses a sale (transaction code S) of 2,757 shares at $13.80 per share. Following the reported transaction he is shown as beneficially owning 146,358 shares indirectly through a trust. No derivative securities are reported and the form was executed through an attorney-in-fact.
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