Waterstone Financial, Inc. (WSBF) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 38.76M | 234.22M | 216.67M | 282.21M | 251.35M | 191.24M | 249.21M | 241.28M | 246.29M | 235.84M | 250.56M | 248.64M | 246.62M | 232.55M | 254.23M | 307.64M | 469.53M | 541.76M | 521.35M | 389.43M |
| Cash & Due from Banks | 38.76M | 63.85M | 50.36M | 63.46M | 37.74M | 35.46M | 35.77M | 36.44M | 41.59M | 30.93M | 56.06M | 53.63M | 46.18M | 35.96M | 56.93M | 107.1M | 267.58M | 362.74M | 346.52M | 217.21M |
| Short Term Investments | 0 | 170.37M | 166.31M | 218.76M | 213.62M | 155.78M | 213.16M | 204.84M | 204.7M | 204.91M | 194.5M | 195.01M | 200.44M | 196.59M | 197.3M | 200.54M | 201.95M | 179.02M | 174.83M | 172.22M |
| Total Investments | 2.08B | 2.03B | 2.06B | 2.03B | 1.98B | 2.01B | 2.05B | 2.09B | 2.03B | 2.02B | 1.98B | 1.99B | 1.89B | 1.82B | 1.72B | 1.67B | 1.55B | 1.68B | 1.71B | 1.8B |
| Investments Growth % | 5.42% | 1.35% | 0.64% | -2.92% | -2.49% | -0.44% | 3.11% | 4.68% | 6.96% | 10.73% | 15.35% | 19.68% | 22.45% | 8.23% | 0.56% | -7.61% | -15.06% | -12.31% | -12.46% | -8.13% |
| Long-Term Investments | 2.08B | 1.86B | 1.89B | 1.81B | 1.76B | 1.85B | 1.83B | 1.88B | 1.82B | 1.81B | 1.79B | 1.8B | 1.69B | 1.62B | 1.52B | 1.47B | 1.34B | 1.5B | 1.54B | 1.63B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 732K | 0 | 0 | 0 | 1.81M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.55M | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 732K | 0 | 0 | 0 | 1.81M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.55M | 0 | 0 |
| PP&E (Net) | 19.27M | 18.86M | 18.74M | 18.87M | 19.22M | 19.39M | 19.45M | 19.66M | 19.94M | 20M | 20.04M | 20.34M | 20.72M | 21.11M | 21.49M | 21.78M | 21.93M | 22.27M | 22.68M | 23.19M |
| Other Assets | 110.64M | 142.82M | 140.83M | 147.17M | 142.89M | 147.24M | 142.62M | 145.56M | 147.14M | 145.09M | 160.8M | 101.69M | 98.32M | 94.63M | 98M | 97.29M | 100.86M | 102.38M | 101.73M | 102.96M |
| Total Current Assets | 38.76M | 234.22M | 216.67M | 282.21M | 251.35M | 191.24M | 249.21M | 241.28M | 246.29M | 235.84M | 250.56M | 308.22M | 301.66M | 292.33M | 332.49M | 356.04M | 536.88M | 586.9M | 573.7M | 444.15M |
| Total Non-Current Assets | 2.21B | 2.03B | 2.05B | 1.97B | 1.92B | 2.02B | 2B | 2.05B | 1.99B | 1.98B | 1.97B | 1.92B | 1.81B | 1.74B | 1.64B | 1.59B | 1.47B | 1.63B | 1.66B | 1.76B |
| Total Assets | 2.25B | 2.26B | 2.27B | 2.26B | 2.18B | 2.21B | 2.24B | 2.29B | 2.23B | 2.22B | 2.22B | 2.23B | 2.11B | 2.03B | 1.98B | 1.94B | 2B | 2.22B | 2.23B | 2.2B |
| Asset Growth % | 3.49% | 2.26% | 1.11% | -1.44% | -2.66% | -0.25% | 1.03% | 2.68% | 5.69% | 9.03% | 12.47% | 14.87% | 5.48% | -8.31% | -11.6% | -11.85% | -8.8% | 1.43% | 0.6% | -0.7% |
| Return on Assets (ROA) | 0.27% | 0.34% | 0.35% | 0.35% | 0.14% | 0.23% | 0.21% | 0.25% | 0.14% | -0% | 0.15% | 0.18% | 0.1% | 0.05% | 0.27% | 0.4% | 0.25% | 0.56% | 0.86% | 0.81% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 413.03M | 412.26M | 469.06M | 465.73M | 395.85M | 446.52M | 423.83M | 519.12M | 634.16M | 466.05M | 487.9M | 614.88M | 501.7M | 386.78M | 319.95M | 281.1M | 326.48M | 477.13M | 475M | 475M |
| Net Debt | 374.27M | 348.41M | 418.7M | 402.27M | 358.11M | 411.06M | 388.06M | 482.68M | 592.57M | 435.13M | 431.84M | 561.25M | 455.51M | 350.82M | 263.02M | 174M | 58.9M | 114.39M | 128.48M | 257.79M |
| Long-Term Debt | 242.97M | 190M | 210M | 210M | 190M | 150M | 160M | 100M | 488.5M | 155M | 326M | 195M | 290M | 200M | 250M | 275M | 315M | 470M | 470M | 470M |
| Short-Term Debt | 170.06M | 222.26M | 259.06M | 255.73M | 205.85M | 296.52M | 263M | 419.12M | 145.66M | 311.05M | 161.9M | 419.88M | 210.5M | 186.78M | 69.95M | 6.1M | 11.48M | 7.13M | 5M | 5M |
| Other Liabilities | 1.49B | 60.59M | 68.64M | 64.64M | 56.95M | 64.06M | 214.67M | 211.62M | 62.67M | 212.66M | 181.97M | 72.22M | 64.11M | 75.39M | 91.8M | 60.39M | 55.44M | 72.57M | 69.98M | 64.16M |
| Total Current Liabilities | 170.06M | 1.66B | 1.65B | 1.64B | 1.59B | 1.66B | 1.53B | 1.64B | 1.35B | 1.5B | 1.37B | 1.61B | 1.39B | 1.39B | 1.26B | 1.22B | 1.22B | 1.24B | 1.25B | 1.24B |
| Total Non-Current Liabilities | 1.73B | 250.59M | 278.64M | 274.64M | 246.96M | 214.06M | 374.67M | 311.62M | 551.17M | 367.65M | 507.97M | 267.22M | 354.11M | 275.39M | 341.8M | 335.39M | 370.44M | 542.57M | 539.98M | 534.15M |
| Total Liabilities | 1.9B | 1.91B | 1.92B | 1.92B | 1.83B | 1.87B | 1.9B | 1.95B | 1.9B | 1.87B | 1.88B | 1.87B | 1.75B | 1.66B | 1.6B | 1.55B | 1.59B | 1.78B | 1.79B | 1.77B |
| Total Equity | 348.21M | 349.39M | 345.5M | 341.49M | 341.36M | 339.13M | 342M | 334.95M | 338M | 344.06M | 346.33M | 355.76M | 365.81M | 370.49M | 376.17M | 386.38M | 412.25M | 432.77M | 442.57M | 431.74M |
| Equity Growth % | 2.01% | 3.02% | 1.02% | 1.95% | 0.99% | -1.43% | -1.25% | -5.85% | -7.6% | -7.13% | -7.93% | -7.92% | -11.27% | -14.39% | -15% | -10.51% | -4.28% | 4.76% | 10.8% | 11.96% |
| Equity / Assets (Capital Ratio) | 15.47% | 15.46% | 15.23% | 15.13% | 15.69% | 15.35% | 15.24% | 14.63% | 15.13% | 15.53% | 15.59% | 15.95% | 17.3% | 18.24% | 19.05% | 19.91% | 20.57% | 19.53% | 19.81% | 19.61% |
| Return on Equity (ROE) | 1.72% | 2.22% | 2.31% | 2.26% | 0.89% | 1.53% | 1.4% | 1.7% | 0.89% | -0.01% | 0.93% | 1.11% | 0.59% | 0.25% | 1.38% | 2% | 1.25% | 2.87% | 4.35% | 4.15% |
| Book Value per Share | 19.98 | 19.56 | 19.21 | 18.97 | 18.67 | 18.44 | 18.54 | 18.04 | 17.76 | 17.74 | 17.30 | 17.41 | 17.44 | 17.58 | 17.53 | 17.38 | 17.68 | 18.18 | 18.47 | 17.97 |
| Tangible BV per Share | 19.98 | 19.56 | 19.21 | 18.97 | 18.67 | 18.40 | 18.54 | 18.04 | 17.76 | 17.64 | 17.30 | 17.41 | 17.44 | 17.58 | 17.53 | 17.38 | 17.68 | 18.12 | 18.47 | 17.97 |
| Common Stock | 182K | 184K | 185K | 188K | 193K | 193K | 194K | 195K | 199K | 203K | 209K | 214K | 219K | 222K | 223K | 227K | 241K | 248K | 250K | 252K |
| Additional Paid-in Capital | 74.49M | 78.01M | 80.52M | 84.11M | 90.47M | 91.21M | 92.79M | 92.96M | 98.61M | 103.91M | 110.02M | 116.61M | 123.45M | 128.55M | 130.73M | 137.55M | 161.35M | 174.5M | 179.31M | 182.35M |
| Retained Earnings | 296.03M | 292.96M | 287.87M | 282.58M | 277.52M | 277.2M | 274.75M | 272.78M | 269.83M | 269.61M | 272.54M | 272.23M | 272.27M | 274.25M | 277.51M | 276.44M | 272.74M | 273.4M | 277.32M | 263.05M |
| Accumulated OCI | -13.29M | -12.27M | -13.29M | -15.29M | -16.44M | -18.79M | -14.75M | -19.71M | -19.06M | -17.79M | -24.27M | -20.83M | -17.37M | -19.48M | -18.94M | -14.19M | -8.14M | -1.14M | 233K | 929K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |