WSBF
Income statement / Annual
Last year (2024), Waterstone Financial, Inc.'s total revenue was $199.38 M,
an increase of 12.67% from the previous year.
In 2024, Waterstone Financial, Inc.'s net income was $18.69 M.
See Waterstone Financial, Inc.,s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2024
|
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
FY-2015
|
| Period Ended |
12/31/2024 |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
12/31/2015 |
| Operating Revenue |
$199.38 M |
$176.97 M |
$171.06 M |
$268.47 M |
$317.86 M |
$207.20 M |
$188.53 M |
$188.45 M |
$187.23 M |
$166.44 M |
| Cost of Revenue |
$66.83 M
|
$49.65 M
|
$14.26 M
|
$10.38 M
|
$31.32 M
|
$26.64 M
|
$18.46 M
|
$15.20 M
|
$20.67 M
|
$25.08 M
|
| Gross Profit |
$132.55 M
|
$127.32 M
|
$156.80 M
|
$258.09 M
|
$286.53 M
|
$180.56 M
|
$170.06 M
|
$173.25 M
|
$166.55 M
|
$141.35 M
|
| Gross Profit Ratio |
0.66
|
0.72
|
0.92
|
0.96
|
0.9
|
0.87
|
0.9
|
0.92
|
0.89
|
0.85
|
| Research and Development Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative Expenses |
$81.08 M
|
$84.10 M
|
$99.57 M
|
$135.12 M
|
$139.05 M
|
$103.08 M
|
$99.40 M
|
$98.64 M
|
$96.52 M
|
$84.23 M
|
| Selling & Marketing Expenses |
$3.55 M
|
$3.78 M
|
$3.98 M
|
$3.53 M
|
$3.69 M
|
$3.89 M
|
$4.12 M
|
$3.33 M
|
$2.74 M
|
$2.95 M
|
| Selling, General & Administrative Expenses |
$84.63 M
|
$87.88 M
|
$103.54 M
|
$138.64 M
|
$142.74 M
|
$106.96 M
|
$103.52 M
|
$101.98 M
|
$99.26 M
|
$87.17 M
|
| Other Expenses |
$23.91 M
|
$28.41 M
|
$28.78 M
|
$27.34 M
|
$35.68 M
|
$26.02 M
|
$26.27 M
|
$26.84 M
|
$25.30 M
|
$28.36 M
|
| Operating Expenses |
$108.55 M
|
$116.28 M
|
$132.32 M
|
$165.98 M
|
$178.42 M
|
$132.99 M
|
$129.78 M
|
$128.82 M
|
$124.56 M
|
$115.53 M
|
| Cost And Expenses |
$175.38 M
|
$165.93 M
|
$146.58 M
|
$176.36 M
|
$209.74 M
|
$159.63 M
|
$148.25 M
|
$144.01 M
|
$145.23 M
|
$140.62 M
|
| Interest Income |
$113.17 M
|
$99.21 M
|
$70.25 M
|
$69.88 M
|
$78.48 M
|
$79.74 M
|
$73.70 M
|
$67.10 M
|
$63.74 M
|
$61.96 M
|
| Interest Expense |
$67.00 M
|
$48.99 M
|
$13.29 M
|
$14.37 M
|
$24.98 M
|
$27.54 M
|
$19.52 M
|
$16.36 M
|
$20.29 M
|
$23.12 M
|
| Depreciation & Amortization |
$2.47 M
|
$3.30 M
|
$4.03 M
|
$6.05 M
|
$5.61 M
|
$4.70 M
|
$4.73 M
|
$2.16 M
|
$3.21 M
|
$3.60 M
|
| EBITDA |
$26.48 M |
$14.33 M |
$28.51 M |
$98.16 M |
$113.72 M |
$52.27 M |
$45.01 M |
$46.59 M |
$45.21 M |
$29.42 M |
| EBITDA Ratio |
0.13
|
0.08
|
0.17
|
0.37
|
0.36
|
0.25
|
0.24
|
0.25
|
0.24
|
0.18
|
| Operating Income Ratio |
0.12
|
0.06
|
0.14
|
0.34
|
0.34
|
0.23
|
0.21
|
0.24
|
0.22
|
0.16
|
| Total Other Income/Expenses Net |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Income Before Tax |
$24.00 M
|
$11.03 M
|
$24.48 M
|
$92.11 M
|
$108.12 M
|
$47.57 M
|
$40.28 M
|
$44.43 M
|
$41.99 M
|
$25.82 M
|
| Income Before Tax Ratio |
0.12
|
0.06
|
0.14
|
0.34
|
0.34
|
0.23
|
0.21
|
0.24
|
0.22
|
0.16
|
| Income Tax Expense |
$5.31 M
|
$1.66 M
|
$4.99 M
|
$21.32 M
|
$26.97 M
|
$11.67 M
|
$9.53 M
|
$18.47 M
|
$16.46 M
|
$9.25 M
|
| Net Income |
$18.69 M
|
$9.38 M
|
$19.49 M
|
$70.79 M
|
$81.15 M
|
$35.90 M
|
$30.75 M
|
$25.96 M
|
$25.53 M
|
$16.57 M
|
| Net Income Ratio |
0.09
|
0.05
|
0.11
|
0.26
|
0.26
|
0.17
|
0.16
|
0.14
|
0.14
|
0.1
|
| EPS |
1.01 |
0.47 |
0.89 |
2.98 |
3.32 |
1.38 |
1.12 |
0.95 |
0.94 |
0.57 |
| EPS Diluted |
1.01 |
0.46 |
0.89 |
2.96 |
3.3 |
1.37 |
1.11 |
0.93 |
0.93 |
0.56 |
| Weighted Average Shares Out |
$18.56 M
|
$20.16 M
|
$21.88 M
|
$23.74 M
|
$24.46 M
|
$26.02 M
|
$27.36 M
|
$27.47 M
|
$27.04 M
|
$29.16 M
|
| Weighted Average Shares Out Diluted |
$18.59 M
|
$20.20 M
|
$22.01 M
|
$23.93 M
|
$24.61 M
|
$26.25 M
|
$27.63 M
|
$27.90 M
|
$27.37 M
|
$29.43 M
|
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