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Waterstone Financial, Inc.

WSBF Finance Savings Institutions
$20.07
▲ +1.2% Today
as of Oct 22, 16:53 ET
Last 30 days -5.20% Sep 14 → Oct 22
$19.34 $19.85 $20.37 $20.89 $21.40 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$19.55
High
$20.16
Low
$19.43
Volume
$38,528
Avg Vol
$63,954
Mkt Cap
$353M
P/E (TTM)
15.55
Beta
—
52w High
$21.66
52w Low
$14.75
Div Yield
—
Shares Out
$18M

Recent Press Releases & News last 60 days · 3 items

WSBF earnings at a glance

The options market is pricing a move of about ±20.7% after the report, a range of roughly $15.92 to $24.22 from today's $20.07. Over its last 3 reports the stock rose the next day 2 times and fell 1, moving ±2.8% on average; after the most recent report on Oct 23, 2025 it moved +3.4%. That means options currently expect more movement than WSBF has typically delivered. Implied volatility is currently 101%. The share price of $20.07 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$15
$22
77% of range
Avg surprise (last 0)
—
Avg reaction (last 3)
+1.8%
67% positive
Latest IV / EM
101%
EM ±20.7% · $20 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.10$0.20$0.30$0.39$0.49 Actual $0.10Actual $0.20Actual $0.16Actual $0.16Actual $0.31Actual $0.26Actual $0.17Actual $0.43Actual $0.45Actual $0.34Actual $0.49 MarJunSepMarJunSepMar/2025Jun/2025Sep/2025MarJun
Revenue vs Net Income Revenue Net income
$0$2M$4M$7M$9M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.49 — — — — financials
Tue Mar 31, 2026Mar 2026 $0.34 — — — — financials
Thu Oct 23, 2025Sep/2025 $0.45 — — — +3.4% earnings
Tue Jul 22, 2025Jun/2025 $0.43 — — — +3.4% earnings
Tue Apr 22, 2025Mar/2025 $0.17 — — — -1.5% earnings
Mon Sep 30, 2024Sep 2024 $0.26 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.31 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.16 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.16 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.20 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.10 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$8M$6M—$8M$8M$3M—$5M
EPS (diluted)$0.49$0.34—$0.45$0.43$0.17—$0.26

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$33M$39M$64M$50M$63M$37M—$36M
Inventory————————
Total current assets————————
Total assets$2.25B$2.25B$2.26B$2.27B$2.26B$2.18B$2.21B$2.24B
Long-term debt$412M$413M$412M$469M$466M$396M$447M$560M
Total liabilities$1.90B$1.90B$1.91B$1.92B$1.92B$1.83B$1.87B$1.90B
Total equity$351M$348M$349M$345M$341M$341M$339M$342M

Implied volatility — last 90 days

8%77%145%214%282% Jun 08 — IV 106% · EM ±14.0%Jun 19 — IV 29% · EM ±6.5%Jun 22 — IV 9% · EM ±1.8%Jun 23 — IV 11% · EM ±2.3%Jun 24 — IV 49% · EM ±9.7%Jun 25 — IV 50% · EM ±9.8%Jun 26 — IV 67% · EM ±12.8%Jun 29 — IV 47% · EM ±8.4%Jun 30 — IV 40% · EM ±6.9%Jul 01 — IV 80% · EM ±13.3%Jul 02 — IV 72% · EM ±11.7%Jul 03 — IV 75% · EM ±11.7%Jul 06 — IV 80% · EM ±11.1%Jul 07 — IV 63% · EM ±8.4%Jul 08 — IV 16% · EM ±2.1%Jul 09 — IV 117% · EM ±13.8%Jul 10 — IV 74% · EM ±8.2%Jul 13 — IV 93% · EM ±7.7%Jul 30 — IV 107% · EM ±21.0%Jul 31 — IV 110% · EM ±21.0%Aug 06 — IV 90% · EM ±14.6%Aug 13 — IV 172% · EM ±20.3%Aug 14 — IV 184% · EM ±20.3%Aug 17 — IV 230% · EM ±19.2%Aug 18 — IV 264% · EM ±19.1%Aug 24 — IV 112% · EM ±23.4%Aug 25 — IV 114% · EM ±23.4%Aug 26 — IV 90% · EM ±18.1%Aug 27 — IV 105% · EM ±20.6%Aug 31 — IV 100% · EM ±17.7%Sep 04 — IV 129% · EM ±20.2%Sep 07 — IV 146% · EM ±20.2%Sep 08 — IV 152% · EM ±20.1%Sep 09 — IV 176% · EM ±22.1%Sep 14 — IV 283% · EM ±23.6%Sep 15 — IV 215% · EM ±15.5%Sep 22 — IV 101% · EM ±20.7%

Sector peers

WSBF earnings FAQ

What is WSBF's expected move for earnings?

Options currently price a move of about ±20.7%, or $4.15 per share either way from $20.07.

How does WSBF stock usually react to earnings?

Across the last 3 reports the average next-day move was ±2.8%, up 2 times and down 1 times.

What is WSBF's implied volatility?

WSBF's at-the-money implied volatility is about 101% based on the latest options snapshot.

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