$WSBF
Waterstone Financial, Inc. Stock $wsbf

$wsbf Overview Financials Valuation SEC Filings Company Website

2020 Q2 Form 10-Q Financial Statement

#000156999421000047 Filed on August 03, 2021

Income Statement

Concept	2020 Q2	2020 Q1
Revenue	$19.86M	$19.45M
YoY Change	-0.26%	1.46%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$800.0K	$646.0K
YoY Change	33.33%	6.25%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense	$6.612M	$6.926M
YoY Change	-4.62%	11.06%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$27.96M	$7.997M
YoY Change	118.71%	-6.18%
Income Tax	$7.016M	$1.928M
% Of Pretax Income	25.09%	24.11%
Net Earnings	$20.95M	$6.069M
YoY Change	117.24%	-7.23%
Net Earnings / Revenue	105.47%	31.2%
Basic Earnings Per Share	$0.86	$0.24
Diluted Earnings Per Share	$0.85	$0.24
COMMON SHARES
Basic Shares Outstanding	24.46M	25.41M
Diluted Shares Outstanding	24.51M	25.61M

Balance Sheet

Concept	2020 Q2	2020 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents	$76.92M	$59.12M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment	$24.18M	$24.62M
YoY Change	-3.18%	-26.5%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	$2.218B	$2.057B
YoY Change	10.05%	6.64%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$28.50M	$21.20M
YoY Change	0.0%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt	$104.0M	$40.00M
YoY Change	338.82%	116.22%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$28.50M	$21.20M
YoY Change	0.0%	0.0%
LONG-TERM LIABILITIES
Long-Term Debt	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$46.70M	$55.40M
YoY Change	78.24%	48.92%
Total Long-Term Liabilities	$46.70M	$55.40M
YoY Change	78.24%	48.92%
TOTAL LIABILITIES
Total Short-Term Liabilities	$28.50M	$21.20M
Total Long-Term Liabilities	$46.70M	$55.40M
Total Liabilities	$1.832B	$1.685B
YoY Change	12.5%	9.11%
SHAREHOLDERS EQUITY
Retained Earnings	$205.9M	$187.8M
YoY Change	11.99%
Common Stock	$258.0K	$263.0K
YoY Change	-6.52%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$385.6M	$371.8M
YoY Change
Total Liabilities & Shareholders Equity	$2.218B	$2.057B
YoY Change	10.05%	6.64%

Cashflow Statement

Concept	2020 Q2	2020 Q1
OPERATING ACTIVITIES
Net Income	$20.95M	$6.069M
YoY Change	117.24%	-7.23%
Depreciation, Depletion And Amortization	$800.0K	$646.0K
YoY Change	33.33%	6.25%
Cash From Operating Activities	-$96.50M	-$37.66M
YoY Change	-16.59%	-312.02%
INVESTING ACTIVITIES
Capital Expenditures	-$300.0K	$241.0K
YoY Change	-78.57%	-26.97%
Acquisitions
YoY Change
Other Investing Activities	-$19.30M	-$14.90M
YoY Change	-283.81%	-551.52%
Cash From Investing Activities	-$19.50M	-$15.18M
YoY Change	-311.96%	-615.52%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net		$14.25M
YoY Change		78.76%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	133.8M	37.66M
YoY Change	86.35%	-2006.07%
NET CHANGE
Cash From Operating Activities	-96.50M	-37.66M
Cash From Investing Activities	-19.50M	-15.18M
Cash From Financing Activities	133.8M	37.66M
Net Change In Cash	17.80M	-15.18M
YoY Change	-151.3%	-181.02%
FREE CASH FLOW
Cash From Operating Activities	-$96.50M	-$37.66M
Capital Expenditures	-$300.0K	$241.0K
Free Cash Flow	-$96.20M	-$37.90M
YoY Change	-15.84%	-317.41%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value
	dei	Entity Central Index Key EntityCentralIndexKey	0001569994
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Amendment Flag AmendmentFlag	false
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2021
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q2
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	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	20490000
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	us-gaap	Amortization Of Esop Award AmortizationOfESOPAward	822000
	us-gaap	Common Stock Dividends Per Share Cash Paid CommonStockDividendsPerShareCashPaid	0.74
	us-gaap	Dividends Common Stock Cash DividendsCommonStockCash	18547000
	us-gaap	Stock Issued During Period Value Share Based Compensation StockIssuedDuringPeriodValueShareBasedCompensation	531000
	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	389000
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	20396000
	us-gaap	Common Stock Dividends Per Share Cash Paid CommonStockDividendsPerShareCashPaid	0.90
	us-gaap	Net Income Loss NetIncomeLoss	27017000
	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	2436000
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	us-gaap	Payments For Origination Of Mortgage Loans Held For Sale PaymentsForOriginationOfMortgageLoansHeldForSale	1795178000
	us-gaap	Increase Decrease In Derivative Assets IncreaseDecreaseInDerivativeAssets	-3568000
	us-gaap	Increase Decrease In Derivative Assets IncreaseDecreaseInDerivativeAssets	8906000
	us-gaap	Payments For Legal Settlements PaymentsForLegalSettlements	4250000
	us-gaap	Increase Decrease In Derivative Liabilities IncreaseDecreaseInDerivativeLiabilities	2112000
	us-gaap	Payments For Legal Settlements PaymentsForLegalSettlements	0
	us-gaap	Increase Decrease In Derivative Liabilities IncreaseDecreaseInDerivativeLiabilities	-5140000
CY2020Q2	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	17734000
	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	39000
	us-gaap	Financing Receivable Allowance For Credit Losses Recovery FinancingReceivableAllowanceForCreditLossesRecovery	446000
CY2021Q2	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	17410000
CY2019Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	12387000
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	5285000
	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	34000
	us-gaap	Financing Receivable Allowance For Credit Losses Recovery FinancingReceivableAllowanceForCreditLossesRecovery	96000
CY2020Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	18823000
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-1820000
CY2021Q2	wsbf	Real Estate Owned RealEstateOwned	0
CY2020Q2	wsbf	Real Estate Owned RealEstateOwned	33000
	wsbf	Real Estate Owned RealEstateOwned	-12000
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	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	51995000
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	wsbf	Minimum Number Of Consecutive Contractual Payments Received Prior To Consideration For Return To Accrual Status MinimumNumberOfConsecutiveContractualPaymentsReceivedPriorToConsiderationForReturnToAccrualStatus	6
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CY2021Q2	wsbf	Loans Receivable Modifications Loans In Default LoansReceivableModificationsLoansInDefault	0
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CY2020Q4	wsbf	Loans Receivable Modifications Loans In Default LoansReceivableModificationsLoansInDefault	0
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	us-gaap	Financing Receivable Modifications Post Modification Recorded Investment2 FinancingReceivableModificationsPostModificationRecordedInvestment2	575000
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	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	2117000
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CY2021Q2	wsbf	Percentage Of Carrying Value Of Qualifying Multi Family Loans PercentageOfCarryingValueOfQualifyingMultiFamilyLoans	0.75
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CY2021Q2	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Three FiniteLivedIntangibleAssetsAmortizationExpenseYearThree	1261000
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	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	3518000
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	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	123000
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CY2021Q2	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.75
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	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	1.65
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	1.08
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	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	1.64
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CY2020Q4	wsbf	Loans And Leases Receivable Impaired Outstanding Balance LoansAndLeasesReceivableImpairedOutstandingBalance	208000
CY2020Q4	wsbf	Loans And Leases Receivable Impaired Specific Reserve LoansAndLeasesReceivableImpairedSpecificReserve	23000
	wsbf	Real Estate Owned Change In Fair Value RealEstateOwnedChangeInFairValue	0
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CY2021Q2	us-gaap	Fair Value Assets Level1 To Level2 Transfers Amount FairValueAssetsLevel1ToLevel2TransfersAmount	0
CY2021Q2	us-gaap	Fair Value Assets Level2 To Level1 Transfers Amount FairValueAssetsLevel2ToLevel1TransfersAmount	0
	us-gaap	Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Transfers Into Level3 FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3	0
CY2021Q2	wsbf	Loans And Leases Receivable Impaired Outstanding Balance LoansAndLeasesReceivableImpairedOutstandingBalance	0
CY2021Q2	wsbf	Impairment On Mortgage Servicing Rights ImpairmentOnMortgageServicingRights	27000
CY2020Q4	wsbf	Impairment On Mortgage Servicing Rights ImpairmentOnMortgageServicingRights	77000
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	2
	wsbf	Number Of States Products And Services Are Provided NumberOfStatesProductsAndServicesAreProvided	21
	wsbf	Number Of States The Company Can Lend NumberOfStatesTheCompanyCanLend	48
CY2021Q2	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	14277000
CY2021Q2	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-750000
CY2021Q2	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	15027000
CY2021Q2	us-gaap	Noninterest Income NoninterestIncome	52044000
CY2021Q2	us-gaap	Labor And Related Expense LaborAndRelatedExpense	33926000
CY2021Q2	us-gaap	Occupancy Net OccupancyNet	2293000
CY2021Q2	us-gaap	Advertising Expense AdvertisingExpense	911000
CY2021Q2	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	914000
CY2021Q2	us-gaap	Communication Communication	326000
CY2021Q2	us-gaap	Professional Fees ProfessionalFees	569000
CY2021Q2	wsbf	Real Estate Owned RealEstateOwned	0
CY2021Q2	wsbf	Segment Loan Processing Expense SegmentLoanProcessingExpense	1200000
CY2021Q2	us-gaap	Other Noninterest Expense OtherNoninterestExpense	3158000
CY2021Q2	us-gaap	Noninterest Expense NoninterestExpense	43297000
CY2021Q2	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	23774000
CY2021Q2	us-gaap	Assets Assets	2201953000
CY2021Q2	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	5880000
CY2021Q2	us-gaap	Net Income Loss NetIncomeLoss	17894000
CY2020Q2	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	13249000
CY2020Q2	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	4500000
CY2020Q2	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	8749000
CY2020Q2	us-gaap	Noninterest Income NoninterestIncome	66904000
CY2020Q2	us-gaap	Labor And Related Expense LaborAndRelatedExpense	36889000
CY2020Q2	us-gaap	Occupancy Net OccupancyNet	2534000
CY2020Q2	us-gaap	Advertising Expense AdvertisingExpense	864000
CY2020Q2	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	1095000
CY2020Q2	us-gaap	Communication Communication	317000
CY2020Q2	us-gaap	Professional Fees ProfessionalFees	1077000
CY2020Q2	wsbf	Real Estate Owned RealEstateOwned	33000
CY2020Q2	wsbf	Segment Loan Processing Expense SegmentLoanProcessingExpense	1208000
CY2020Q2	us-gaap	Other Noninterest Expense OtherNoninterestExpense	3672000
CY2020Q2	us-gaap	Noninterest Expense NoninterestExpense	47689000
CY2020Q2	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	27964000
CY2020Q2	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	7016000
CY2020Q2	us-gaap	Net Income Loss NetIncomeLoss	20948000
CY2020Q2	us-gaap	Assets Assets	2217573000
	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	28229000
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-1820000
	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	30049000
	us-gaap	Noninterest Income NoninterestIncome	108243000
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	68049000
	us-gaap	Occupancy Net OccupancyNet	4858000
	us-gaap	Advertising Expense AdvertisingExpense	1735000
	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	1885000
	us-gaap	Communication Communication	657000
	us-gaap	Professional Fees ProfessionalFees	254000
	wsbf	Real Estate Owned RealEstateOwned	-12000
	wsbf	Segment Loan Processing Expense SegmentLoanProcessingExpense	2535000
	us-gaap	Other Noninterest Expense OtherNoninterestExpense	6336000
	us-gaap	Noninterest Expense NoninterestExpense	86297000
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	51995000
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	12757000
	us-gaap	Net Income Loss NetIncomeLoss	39238000
	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	25775000
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	5285000
	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	20490000
	us-gaap	Noninterest Income NoninterestIncome	98368000
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	61290000
	us-gaap	Occupancy Net OccupancyNet	5275000
	us-gaap	Advertising Expense AdvertisingExpense	1764000
	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	2101000
	us-gaap	Communication Communication	655000
	us-gaap	Professional Fees ProfessionalFees	2909000
	wsbf	Real Estate Owned RealEstateOwned	44000
	wsbf	Segment Loan Processing Expense SegmentLoanProcessingExpense	2284000
CY2021Q2	us-gaap	Operating Lease Cost OperatingLeaseCost	738000
	us-gaap	Other Noninterest Expense OtherNoninterestExpense	6575000
	us-gaap	Noninterest Expense NoninterestExpense	82897000
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	35961000
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	8944000
	us-gaap	Net Income Loss NetIncomeLoss	27017000
CY2021Q2	wsbf	Number Of Branch Locations NumberOfBranchLocations	2
CY2021Q2	us-gaap	Operating Lease Liability OperatingLeaseLiability	6700000
CY2021Q2	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	6300000
CY2020Q2	us-gaap	Operating Lease Cost OperatingLeaseCost	770000
	us-gaap	Operating Lease Cost OperatingLeaseCost	1508000
	us-gaap	Operating Lease Cost OperatingLeaseCost	1594000
CY2021Q2	us-gaap	Variable Lease Cost VariableLeaseCost	110000
CY2020Q2	us-gaap	Variable Lease Cost VariableLeaseCost	131000
	us-gaap	Variable Lease Cost VariableLeaseCost	227000
	us-gaap	Variable Lease Cost VariableLeaseCost	240000
CY2021Q2	us-gaap	Short Term Lease Cost ShortTermLeaseCost	140000
CY2020Q2	us-gaap	Short Term Lease Cost ShortTermLeaseCost	121000
	us-gaap	Short Term Lease Cost ShortTermLeaseCost	291000
	us-gaap	Short Term Lease Cost ShortTermLeaseCost	314000
CY2021Q2	us-gaap	Lease Cost LeaseCost	988000
CY2020Q2	us-gaap	Lease Cost LeaseCost	1022000
	us-gaap	Lease Cost LeaseCost	2026000
	us-gaap	Lease Cost LeaseCost	2148000
	us-gaap	Operating Lease Payments OperatingLeasePayments	1726000
CY2021Q2	us-gaap	Operating Lease Weighted Average Remaining Lease Term1 OperatingLeaseWeightedAverageRemainingLeaseTerm1	P3Y2M12D
CY2021Q2	us-gaap	Operating Lease Weighted Average Discount Rate Percent OperatingLeaseWeightedAverageDiscountRatePercent	0.052
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	2532000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	1966000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	1390000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	647000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due Year Five LesseeOperatingLeaseLiabilityPaymentsDueYearFive	327000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due After Year Five LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive	756000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	7618000
CY2021Q2	us-gaap	Lessee Operating Lease Liability Undiscounted Excess Amount LesseeOperatingLeaseLiabilityUndiscountedExcessAmount	880000
CY2021Q2	us-gaap	Operating Lease Liability OperatingLeaseLiability	6738000

Files In Submission

Name	View Source	Status
0001569994-21-000047-index-headers.html	Edgar Link	pending
0001569994-21-000047-index.html	Edgar Link	pending
0001569994-21-000047.txt	Edgar Link	pending
0001569994-21-000047-xbrl.zip	Edgar Link	pending
exhibit311.htm	Edgar Link	pending
exhibit312.htm	Edgar Link	pending
exhibit321.htm	Edgar Link	pending
exhibit322.htm	Edgar Link	pending
FilingSummary.xml	Edgar Link	unprocessable
Financial_Report.xlsx	Edgar Link	pending
form10q.htm	Edgar Link	pending
form10q_htm.xml	Edgar Link	completed
MetaLinks.json	Edgar Link	pending
R1.htm	Edgar Link	pending
R10.htm	Edgar Link	pending
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R8.htm	Edgar Link	pending
R9.htm	Edgar Link	pending
report.css	Edgar Link	pending
Show.js	Edgar Link	pending
wsbf-20210630.xsd	Edgar Link	pending
wsbf-20210630_cal.xml	Edgar Link	unprocessable
wsbf-20210630_def.xml	Edgar Link	unprocessable
wsbf-20210630_lab.xml	Edgar Link	unprocessable
wsbf-20210630_pre.xml	Edgar Link	unprocessable

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$WSBF
Waterstone Financial, Inc. Stock $wsbf

2020 Q2 Form 10-Q Financial Statement

#000156999421000047 Filed on August 03, 2021

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$WSBF Waterstone Financial, Inc. Stock $wsbf

2020 Q2 Form 10-Q Financial Statement

#000156999421000047 Filed on August 03, 2021

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$WSBF
Waterstone Financial, Inc. Stock $wsbf