)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
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 ($0.45 per diluted share), up from $4.7 million ($0.26 per share) in Q3 2024 and $7.7 million ($0.43 per share) in Q2 2025.
Nine-month net income per diluted share rose to $1.04 from $0.72 year-over-year.
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
Consolidated return on average assets (annualized) was 1.42% for Q3 2025, up from 0.83% in Q3 2024.
Return on average equity (annualized) increased to 9.14% from 5.55% year-over-year.
Book value per share rose to $18.65 at September 30, 2025, from $17.53 at December 31, 2024.
Dividends declared were $0.15 per share for the quarter.
Share repurchases of 270,000 shares at $14.15 per share, totaling $3.8 million, increased book value by $0.07 per share.
Outlook and guidance
Management expects continued focus on net interest margin improvement and expense management.
Forward-looking statements caution about risks from interest rates, competition, regulation, and economic conditions.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Waterstone Financial earnings date
Q4 202528 Jan, 2026
Next Waterstone Financial earnings date
Q4 202528 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage