STOCK TITAN

Waterstone Financial (WSBF) CFO sells 10K shares after exercising options

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Waterstone Financial, Inc. executive Mark Raymond Gerke, EVP and Chief Financial Officer, reported an option exercise and related share sale in company stock. He exercised options for 10,000 shares of Common Stock at $14.98 per share and sold 10,000 shares in an open-market transaction at a weighted average price of $18.3435 per share, with individual sale prices ranging from $18.25 to $18.50. After these transactions, he holds 30,034 shares directly, plus 1,881 shares held through a 401(k) and 42,545 shares held through an ESOP, indicating he retains a sizable ongoing stake.

Positive

  • None.

Negative

  • None.
Insider Gerke Mark Raymond
Role EVP/Chief Financial Officer
Sold 10,000 shs ($183K)
Type Security Shares Price Value
Exercise Stock Option 10,000 $0.00 --
Exercise Common Stock 10,000 $14.98 $150K
Sale Common Stock 10,000 $18.3435 $183K
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Stock Option — 0 shares (Direct, null); Common Stock — 40,034 shares (Direct, null); Common Stock — 42,545 shares (Indirect, By: ESOP)
Footnotes (1)
  1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $18.25 to $18.50, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4." Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.
Shares sold 10,000 shares Open-market sale of Common Stock on transaction date
Sale price (weighted average) $18.3435 per share Weighted average sale price; trades ranged $18.25–$18.50
Options exercised 10,000 shares Common Stock acquired via option exercise
Option exercise price $14.98 per share Conversion or exercise price for stock options
Direct holdings after transaction 30,034 shares Common Stock held directly following reported transactions
401(k) indirect holdings 1,881 shares Common Stock held indirectly via 401(k) plan
ESOP indirect holdings 42,545 shares Common Stock held indirectly via ESOP
open-market sale financial
"transaction_action": "open-market sale""
An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.
derivative exercise/conversion financial
"transaction_action": "derivative exercise/conversion""
weighted average price financial
"The price reported in Column 4 is a weighted average price."
Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.
employee stock ownership plan financial
"nature_of_ownership": "By: ESOP""
An employee stock ownership plan (ESOP) is a company-run program that gives workers ownership stakes by allocating or letting them buy company shares, often through a retirement-style account. For investors, ESOPs matter because they align employees’ incentives with company performance—like turning staff into shareholders—which can boost productivity and long-term value but may also concentrate employee retirement savings in company stock, affecting financial risk and share demand.
indirect ownership financial
"ownership_type": "indirect""
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Gerke Mark Raymond

(Last)(First)(Middle)
11200 WEST PLANK CT.

(Street)
WAUWATOSA WISCONSIN 53226

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Waterstone Financial, Inc. [ WSBF ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
EVP/Chief Financial Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/21/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock05/21/2026M10,000A$14.9840,034D
Common Stock05/21/2026S10,000D$18.3435(1)30,034D
Common Stock42,545IBy: ESOP(2)
Common Stock1,881IBy 401k(2)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Option$14.9805/21/2026M10,00006/21/201706/21/2026Common Stock10,000$00D
Explanation of Responses:
1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $18.25 to $18.50, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4."
2. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.
/s/ William F. Bruss, Attorney-in-fact05/22/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did WSBF CFO Mark Raymond Gerke report?

Mark Raymond Gerke reported an option exercise and related sale. He exercised options for 10,000 Waterstone Financial shares at $14.98 each, then sold 10,000 shares in an open-market transaction at a weighted average price of $18.3435 per share.

How many Waterstone Financial (WSBF) shares did the CFO sell?

The CFO sold 10,000 shares of Waterstone Financial common stock. The sale was an open-market transaction at a weighted average price of $18.3435 per share, with individual prices ranging from $18.25 to $18.50, according to the filing’s footnote.

At what prices were WSBF shares sold in the CFO’s Form 4 filing?

Shares were sold at a weighted average price of $18.3435 per share. The footnote states multiple trades occurred in a price range from $18.25 to $18.50 inclusive, and detailed trade breakdowns are available upon request from the issuer or regulators.

How many WSBF shares does the CFO hold after these transactions?

After the reported transactions, the CFO holds 30,034 shares directly. He also has indirect holdings, including 1,881 shares through a 401(k) plan and 42,545 shares through an employee stock ownership plan, reflecting continued exposure to Waterstone Financial stock.

What stock options did the WSBF CFO exercise in this Form 4?

The CFO exercised stock options covering 10,000 shares of Waterstone Financial common stock. The options had a conversion or exercise price of $14.98 per share, and the related derivative position in this option grant shows zero remaining derivative shares after the exercise.

Are any of the WSBF CFO’s reported holdings indirect or plan-based?

Yes. In addition to direct ownership, the CFO reports indirect holdings. These include 1,881 Waterstone Financial shares held through a 401(k) and 42,545 shares held through an employee stock ownership plan, both recorded as indirect beneficial ownership in the filing.