[8-K] Waterstone Financial, Inc. Reports Material Event

Rhea-AI Filing Summary

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.

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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): October 23, 2025

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 October 23, 2025, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended September 30, 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 October 23, 2025.
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: October 23, 2025		/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 October 23, 2025.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

FAQ

What did Waterstone Financial (WSBF) announce in this 8-K?

The company furnished a press release announcing financial results for the quarter and year ended September 30, 2025.

Which exhibit contains the press release for WSBF?

Exhibit 99.1 contains the press release issued October 23, 2025.

What is WSBF’s trading exchange and symbol?

Waterstone Financial’s common stock trades on The NASDAQ Stock Market under the symbol WSBF.

Under which item were the results disclosed?

The results were disclosed under Item 2.02 (Results of Operations and Financial Condition).

Who signed the WSBF filing and what is their title?

The filing was signed by Mark R. Gerke, Chief Financial Officer.

When was the WSBF press release issued?

The press release was issued on October 23, 2025.