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Edge14 Nov 2025
Ball: The King of Cans
From a 19th-century glass-jar legacy to a global plant network, Ball is now a pure-play aluminum can partner to the world's biggest beverage brands.
Waterstone Financial (WSBF) investor relations material
Waterstone Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $7.9 million, up from $4.7 million in Q3 2024 and $7.7 million in Q2 2025; nine-month net income rose to $18.7 million from $13.5 million year-over-year.
Earnings per share for Q3 2025 were $0.45 (basic and diluted), compared to $0.26 in Q3 2024; nine-month EPS was $1.04, up from $0.72.
Performance was driven by improved net interest margin and strong asset quality, with both Community and Mortgage Banking segments contributing to earnings growth.
Financial highlights
Total assets increased 2.7% to $2.27 billion at September 30, 2025, driven by higher cash, loans, and securities.
Net interest income for Q3 2025 rose 28% to $14.7 million; nine-month net interest income increased 23.1% to $41.0 million.
Net interest margin improved to 2.76% in Q3 2025 from 2.13% in Q3 2024.
Book value per share rose to $18.65 at September 30, 2025, from $17.53 at December 31, 2024.
Noninterest expenses for Q3 2025 decreased 3.8% to $27.5 million, reflecting lower compensation and occupancy costs.
Outlook and guidance
Management expects continued focus on deposit growth, net interest margin improvement, cost control, and prudent loan origination amid competitive and rate-sensitive markets.
The company anticipates an insignificant impact from recent U.S. tax law changes.
Forward-looking statements caution about risks from interest rates, competition, regulation, and economic conditions.
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Q4 202528 Jan, 2026
Next Waterstone Financial earnings date
Q4 202528 Jan, 2026
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Frequently asked questions
Waterstone Financial, Inc. is a financial services holding company primarily engaged in banking and mortgage banking operations. Through its subsidiary, WaterStone Bank SSB, the company provides a range of banking services, including personal and business banking, loans, and deposit products. WaterStone Bank serves individual customers, small and medium-sized businesses, and commercial clients. In addition to traditional banking services, Waterstone Financial is involved in mortgage banking through its subsidiary, Waterstone Mortgage Corporation, which offers residential mortgage loan origination and related services across various states. The company is headquartered in Wauwatosa, Wisconsin, and its shares are listed on the NASDAQ.
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