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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.
BlackRock, Inc. filed an amended Schedule 13G reporting beneficial ownership of 1,306,996 shares of Waterstone Financial, Inc. common stock, representing 7.1% of the class as of 12/31/2025.
BlackRock reports sole voting power over 1,291,009 shares and sole dispositive power over 1,306,996 shares, with no shared voting or dispositive authority. The filing describes BlackRock as a holding company and states the securities were acquired and are held in the ordinary course of business, not for the purpose of changing or influencing control of Waterstone Financial. Various underlying persons have rights to dividends or sale proceeds, but no single person has an interest in more than 5% of the outstanding common shares.
Waterstone Financial, Inc. reported that its Board of Directors declared a regular quarterly dividend on the company’s outstanding shares of common stock. The decision was made on December 18, 2025. Additional details about the dividend are provided in a press release dated December 18, 2025, which is filed as Exhibit 99.1 and incorporated by reference.
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.
Waterstone Financial, Inc. filed a current report describing a Board decision on its regular shareholder payout. On September 23, 2025, the Board of Directors declared a regular quarterly dividend on the company’s outstanding common stock. This reflects an ongoing practice of returning cash to shareholders through periodic dividends, rather than a special or one-time distribution.
The specific dividend details are provided in a press release dated September 23, 2025, which is included as Exhibit 99.1 to the report and incorporated by reference. The filing confirms that the company’s common stock continues to trade on The NASDAQ Stock Market under the symbol WSBF.