Waterstone Financial, Inc. (WSBF) quarterly cash flow statement — complete operating, investing & financing 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 from Operations | -647K | 3.17M | 32.72M | -38.45M | 26.74M | 23.43M | 74.09M | -39.52M | -9.94M | -999K | 48.41M | -40.08M | -34.91M | 71.47M | 17.03M | -24.44M | 142.6M | 30.78M | 46.76M | 17.52M |
| Operating CF Growth % | -102.42% | -86.46% | -55.84% | 2.71% | 369.1% | 2445.35% | 53.03% | 1.4% | 71.54% | -101.4% | 184.23% | -63.98% | -124.48% | 132.17% | -63.57% | -239.49% | 140.11% | 95.03% | 161.82% | 118.15% |
| Net Income | 6M | 7.71M | 7.93M | 7.73M | 3.04M | 5.21M | 4.73M | 5.71M | 3.04M | -40K | 3.25M | 4.01M | 2.15M | 935K | 5.27M | 7.99M | 5.29M | 12.55M | 19M | 17.89M |
| Depreciation & Amortization | 917K | 687K | 591K | 560K | 711K | 593K | 762K | 633K | 486K | 1.03M | 715K | 738K | 815K | 939K | 1.02M | 990K | 1.08M | 1.12M | 1.41M | 1.77M |
| Deferred Taxes | -367K | 221K | 20K | 375K | 98K | 655K | 165K | -501K | 661K | -490K | 318K | -962K | 61K | -123K | -110K | 59K | -310K | 1.03M | -2.12M | 405K |
| Other Non-Cash Items | 1.24M | -10.35M | 25.71M | -43.63M | 16.84M | 19.51M | 66.33M | -49.17M | -9.34M | -7.95M | 45.54M | -42.2M | -30.58M | 55.09M | 20.48M | -52.73M | 156.88M | 11.27M | 33.75M | -13.23M |
| Working Capital Changes | -8.58M | 4.94M | -1.68M | -3.59M | 5.98M | -2.64M | 2M | 3.71M | -4.79M | 6.39M | -1.44M | -1.75M | -7.47M | 14.51M | -9.76M | 19.09M | -20.51M | 4.62M | -5.47M | 10.49M |
| Cash from Investing | -15.95M | 36.86M | -56.04M | -6.42M | 16.86M | 7.3M | -17.04M | -14.08M | -146K | -14.44M | -35.57M | -66.21M | -43.01M | -159.97M | -75.02M | -67.08M | -33.67M | 15.32M | 68.19M | 28.7M |
| Purchase of Investments | -13.84M | -12.24M | -14.49M | -13.09M | -10.19M | -12.42M | -9.29M | -10.33M | -3.35M | -8.7M | -8.6M | -5.9M | -6.31M | -87.92M | -11.31M | -20.28M | -47.88M | 0 | 39.89M | -23.74M |
| Sale/Maturity of Investments | 120K | 27.92M | 3.4M | 3.02M | 2.58M | 25.31M | 1.5M | 3.93M | 290K | 21.24M | 624K | 1.74M | 1.25M | 35.89M | 3.48M | 5M | 6.38M | 2.68M | 2.16M | 3.33M |
| Net Investment Activity | -13.72M | 15.68M | -11.09M | -10.08M | -7.61M | 12.9M | -7.79M | -6.4M | -3.06M | 12.54M | -7.98M | -4.16M | -5.06M | -52.03M | -7.84M | -15.28M | -41.5M | 2.68M | 42.05M | -20.41M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -1.23M | 21.72M | -44.66M | 3.72M | 24.73M | -5.24M | -9.06M | -7.52M | 3.31M | -26.56M | -27.46M | -61.94M | -37.9M | -107.88M | -66.99M | -51.48M | 7.95M | 12.77M | 26.15M | 49.48M |
| Cash from Financing | -9.86M | -22.69M | 6.17M | 72.5M | -40.07M | -32.38M | -56.95M | 49.2M | 19.38M | -10.43M | -11.75M | 113.28M | 85.47M | 62.21M | 8.73M | -64.81M | -207.13M | -28M | 14.93M | -15.88M |
| Dividends Paid | -2.64M | -2.64M | -2.66M | -2.73M | -2.74M | -2.76M | -2.75M | -2.81M | -2.95M | -2.96M | -4.09M | -4.12M | -4.2M | -4.21M | -4.28M | -4.55M | -17.22M | -4.11M | -4.76M | -16.67M |
| Share Repurchases | -4.39M | -2.72M | -3.82M | -6.49M | -3.17M | -2.8M | -999K | -5.77M | -5.35M | -6.19M | -6.68M | -7.32M | -5.84M | -2.63M | -7.25M | -24.19M | -13.76M | -5.51M | -3.51M | -1.15M |
| Stock Issued | 548K | 139K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -3.85M | -2.58M | -3.82M | -6.49M | -3.17M | -2.8M | -999K | -5.77M | -5.35M | -6.19M | -6.68M | -7.32M | -5.84M | -2.63M | -7.25M | -24.19M | -13.76M | -5.51M | -3.51M | -1.15M |
| Debt Issuance (Net) | 776K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 0 | -1000K |
| Other Financing | -4.15M | 39.34M | 9.31M | 11.85M | 16.51M | 86.79M | 47.49M | 31.11M | 4.57M | -24.43M | 25.98M | 11.55M | -19.4M | 2.22M | -18.59M | 9.3M | -25.5M | -20.5M | 23.19M | 17.45M |
| Net Change in Cash | -26.45M | 17.34M | -17.16M | 27.63M | 3.53M | -1.65M | 91K | -4.4M | 9.29M | -25.87M | 1.1M | 7M | 7.55M | -26.3M | -49.25M | -156.34M | -98.19M | 18.11M | 129.88M | 30.34M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 71.11M | 53.77M | 70.92M | 43.29M | 39.76M | 41.41M | 41.32M | 45.71M | 36.42M | 62.29M | 61.19M | 54.19M | 46.64M | 72.94M | 122.19M | 278.53M | 376.72M | 358.61M | 228.74M | 198.4M |
| Cash at End | 44.65M | 71.11M | 53.77M | 70.92M | 43.29M | 39.76M | 41.41M | 41.32M | 45.71M | 36.42M | 62.29M | 61.19M | 54.19M | 46.64M | 72.94M | 122.19M | 278.53M | 376.72M | 358.61M | 228.74M |
| Interest Paid | 14.23M | 13.71M | 14.52M | 14.75M | 16.18M | 10.78M | 19.36M | 18.9M | 17.23M | 31.63M | 3.48M | 3.65M | 8.98M | 4.78M | 2.98M | 2.07M | 3.06M | 3.79M | 3M | 3.64M |
| Income Taxes Paid | 0 | 2.17M | 1.77M | 1.07M | 0 | -3.17M | 2.72M | 454K | 0 | -734K | 20K | 1.12M | 760K | -196K | 1.29M | 865K | 2.13M | 3.87M | 7.92M | 5.59M |
| Free Cash Flow | -1.64M | 2.63M | 32.42M | -38.51M | 26.48M | 23.08M | 73.89M | -39.68M | -10.33M | -1.42M | 48.29M | -40.18M | -34.97M | 71.41M | 16.84M | -24.77M | 142.48M | 30.66M | 46.74M | 17.16M |
| FCF Growth % | -106.19% | -88.62% | -56.13% | 2.95% | 356.37% | 1729.66% | 53.03% | 1.25% | 70.46% | -101.98% | 186.69% | -62.22% | -124.54% | 132.9% | -63.96% | -244.39% | 140.99% | 98.13% | 168.3% | 117.73% |