Waterstone Financial (WSBF)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 26,402 | 18,688 | 9,375 | 19,487 | 70,791 |
| Depreciation Amortization | 2,549 | 2,154 | 3,621 | 4,033 | 6,048 |
| Income taxes - deferred | 714 | 980 | -1,073 | -484 | 1,378 |
| Other Working Capital | -10,803 | 25,484 | -41,363 | 192,432 | 74,418 |
| Loans | -9,148 | 29,084 | -33,805 | 181,550 | 89,266 |
| Other Operating Activity | 14,469 | -28,327 | 35,668 | -190,353 | -99,895 |
| Operating Cash Flow | $24,183 | $48,063 | $-27,577 | $206,665 | $142,006 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -1,165 | -1,099 | -700 | -701 | -778 |
| Purchase Of Investment | -52,474 | -37,731 | -41,442 | -95,002 | -73,687 |
| Sale Of Investment | 39,878 | 33,967 | 33,265 | 62,832 | 51,782 |
| Purchase Sale Intangibles | N/A | 2,110 | 3,530 | N/A | 12,448 |
| Net Loans | 5,196 | -16,692 | -154,171 | -303,874 | 170,297 |
| Other Investing Activity | -180 | -2,408 | 3,824 | 1,003 | 12,451 |
| Investing Cash Flow | $-8,745 | $-23,963 | $-159,224 | $-335,742 | $160,065 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | -74,261 | -159,535 | 269,270 | 179,657 | -30,947 |
| Debt Issued | 130,000 | 170,000 | 259,000 | 200,000 | N/A |
| Debt Repayment | -90,000 | -175,000 | -304,000 | -470,000 | N/A |
| Common Stock Issued | 2,405 | 1,662 | 820 | 564 | 2,307 |
| Common Stock Repurchased | -16,209 | -14,915 | -26,032 | -47,830 | -10,176 |
| Dividend Paid | -10,768 | -11,268 | -15,363 | -30,260 | -30,388 |
| Other Financing Activity | -2,634 | -977 | 1,273 | 1,240 | 572 |
| Financing Cash Flow | $15,908 | $-20,760 | $176,580 | $-201,003 | $-20,116 |
| Beginning Cash Position | 39,761 | 36,421 | 46,642 | 376,722 | 94,767 |
| End Cash Position | 71,107 | 39,761 | 36,421 | 46,642 | 376,722 |
| Net Cash Flow | $31,346 | $3,340 | $-10,221 | $-330,080 | $281,955 |
| Free Cash Flow | |||||
| Operating Cash Flow | 24,183 | 48,063 | -27,577 | 206,665 | 142,006 |
| Capital Expenditure | -1,165 | -1,099 | -700 | -701 | -778 |
| Free Cash Flow | 23,018 | 46,964 | -28,277 | 205,964 | 141,228 |