Waterstone Financial posts Q4 and 2025 results

Waterstone Financial, Inc. filed a current report to furnish a press release announcing its financial results for the quarter and year ended December 31, 2025.

Rhea-AI Filing Summary

Waterstone Financial, Inc. filed a current report to furnish a press release announcing its financial results for the quarter and year ended December 31, 2025. The press release, dated January 28, 2026, is included as Exhibit 99.1 and incorporated by reference into the report.

The filing is made under Item 2.02, covering results of operations and financial condition, and is signed by Chief Financial Officer Mark R. Gerke. No other corporate actions or major transactions are described.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Waterstone Financial, Inc. (WSBF) disclose in this 8-K filing?

Waterstone Financial, Inc. disclosed that it issued a press release announcing financial results for the quarter and year ended December 31, 2025. The press release is furnished as Exhibit 99.1 to the Form 8-K and incorporated by reference.

Which period’s results are covered by Waterstone Financial’s latest press release?

The press release covers financial results for the quarter and year ended December 31, 2025. This timing indicates both the final quarter of 2025 and the full-year performance were addressed together in a single announcement furnished with the Form 8-K.

Under which SEC item did Waterstone Financial report its 2025 results?

Waterstone Financial reported its 2025 results under Item 2.02, titled Results of Operations and Financial Condition. This item is used when a company furnishes information about its financial performance and condition through an accompanying press release or similar communication.

What exhibits are attached to Waterstone Financial’s Form 8-K for the 2025 results?

The filing lists Exhibit 99.1 as the press release announcing financial results issued January 28, 2026, and Exhibit 104 as the cover page interactive data file embedded within the Inline XBRL document. Both exhibits support the current report’s disclosure framework.

Who signed Waterstone Financial’s Form 8-K reporting the 2025 results?

The Form 8-K was signed on behalf of Waterstone Financial, Inc. by Mark R. Gerke, the company’s Chief Financial Officer. His signature confirms the company’s authorization of the filing under the Securities Exchange Act of 1934 requirements for current reports.

Where is Waterstone Financial, Inc. headquartered according to this filing?

Waterstone Financial, Inc. lists its principal executive offices at 11200 W Plank Ct, Wauwatosa, Wisconsin 53226, with a main telephone number of 414-761-1000. This address and contact information identify the company’s primary corporate location in the filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/28/2026 - 04:00 PM Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): January 28, 2026

Waterstone Financial, Inc.

(Exact name of registrant as specified in its charter)

Maryland	001-36271	90-1026709
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

11200 W Plank Ct, Wauwatosa, Wisconsin 53226

(Address of principal executive offices)

414-761-1000

Registrant’s telephone number, including area code:

Not Applicable

Former name or former address, if changed since last report

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which registered
Common Stock, $0.01 Par Value		WSBF		The NASDAQ Stock Market, LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities and Exchange Act of 1934.

☐ Emerging growth company

☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 2.02 Results of Operations and Financial Condition.

On January 28, 2026, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2025. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

Exhibit No.	Description
99.1	Press release of Waterstone Financial, Inc. issued January 28, 2026.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		Waterstone Financial, Inc.
Date: January 28, 2026		/s/ Mark R. Gerke
		Name:    Mark R. Gerke
		Title:    Chief Financial Officer

EXHIBIT INDEX

Exhibit No.	Description
99.1	Press release of Waterstone Financial, Inc. issued January 28, 2026.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)