Planned sale of 20,929 Waterstone (NASDAQ: WSBF) shares under Rule 144

Rhea-AI Filing Summary

Waterstone Financial, Inc. has filed a notice of planned stock sales under Rule 144. The filing covers 20,929 common shares to be sold through UBS Financial Services Inc. on NASDAQ, with an aggregate market value of $380,774 and 18,456,918 shares outstanding.

The shares include 20,000 acquired by a stock option exercise on 02/02/2026 paid in cash, and 929 shares from a restricted stock award vesting on 03/06/2024. The approximate sale date listed is 02/02/2026, and the seller represents they are unaware of undisclosed material adverse information about the company.

Form 144 Filer Information	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
FORM 144

144: Filer Information

Filer CIK
Filer CCC
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer

SEC File Number

Address of Issuer

Phone

Name of Person for Whose Account the Securities are To Be Sold

See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.

Relationship to Issuer

144: Securities Information

Title of the Class of Securities To Be Sold	Name and Address of the Broker	Number of Shares or Other Units To Be Sold	Aggregate Market Value	Number of Shares or Other Units Outstanding	Approximate Date of Sale	Name the Securities Exchange
common	UBS Financial Services Inc 1000 Harbor Blvd 3rd Floor Weehawken NJ 07086	20929	380774	18456918	02/02/2026	NASDAQ

Furnish the following information with respect to the acquisition of the securities to be sold and with respect to the payment of all or any part of the purchase price or other consideration therefor:

144: Securities To Be Sold

Title of the Class	Date you Acquired	Nature of Acquisition Transaction	Name of Person from Whom Acquired	Is this a Gift?	Date Donor Acquired	Amount of Securities Acquired	Date of Payment	Nature of Payment *
common	02/02/2026	Stock Option Exercise	Issuer			20000	02/02/2026	Cash
common	03/06/2024	RSA Vest	Issuer			929	03/06/2024	N/A

* If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.

Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.

144: Securities Sold During The Past 3 Months

Nothing to Report

144: Remarks and Signature

Remarks

Date of Notice

ATTENTION:

The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed. If such person has adopted a written trading plan or given trading instructions to satisfy Rule 10b5-1 under the Exchange Act, by signing the form and indicating the date that the plan was adopted or the instruction given, that person makes such representation as of the plan adoption or instruction date.

Signature

ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)

FAQ

How many Waterstone Financial (WSBF) shares are covered by this Rule 144 notice?

The notice covers the planned sale of 20,929 common shares of Waterstone Financial, Inc. These shares are expected to be sold on NASDAQ, providing liquidity for the holder while representing a very small portion of the 18,456,918 shares outstanding.

What is the aggregate market value of WSBF shares in this planned Rule 144 sale?

The aggregate market value of the shares covered by this notice is $380,774. This figure reflects the value of the 20,929 common shares of Waterstone Financial, Inc. proposed to be sold through UBS Financial Services Inc. on NASDAQ.

When were the WSBF shares in this Rule 144 filing acquired?

Most shares were acquired via a stock option exercise for 20,000 shares on 02/02/2026, paid in cash. An additional 929 shares came from a restricted stock award vesting on 03/06/2024, both transactions involving Waterstone Financial, Inc. as issuer.

What is the planned sale date for the WSBF shares in this Rule 144 filing?

The approximate date of sale listed is 02/02/2026. On or around that date, the holder plans to sell 20,929 common shares of Waterstone Financial, Inc. on NASDAQ through UBS Financial Services Inc., subject to market conditions and Rule 144 requirements.

How does the planned WSBF share sale compare to total shares outstanding?

Waterstone Financial, Inc. reports 18,456,918 shares outstanding. The planned sale involves 20,929 common shares, which is a small fraction of the total, indicating a limited relative size compared with the company’s overall equity base.

What representation does the selling holder make in this WSBF Rule 144 notice?

The selling holder represents that they do not know of any material adverse information about Waterstone Financial, Inc.’s current or prospective operations that has not been publicly disclosed, consistent with the standard certification language included in Rule 144 notices.