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Waterstone Financial (WSBF) investor relations material
Waterstone Financial Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q2 2026 was $8.5 million ($0.49 per diluted share), up from $7.7 million ($0.43 per share) year-over-year.
Six-month net income reached $14.5 million, a 34% increase from $10.8 million in the prior year period.
Quarterly net interest margin rose to 3.03%, the highest since Q4 2022.
$6.5 million was returned to shareholders via buybacks and dividends in Q2 2026.
Financial highlights
Consolidated return on average assets (annualized) was 1.52% for Q2 2026, up from 1.39% a year ago.
Return on average equity (annualized) increased to 9.65% from 9.04% year-over-year.
Book value per share rose to $19.53 at June 30, 2026, from $19.03 at year-end 2025.
Dividends declared were $0.17 per share for the quarter.
Outlook and guidance
Management highlighted continued growth in loan yields and transaction deposits as drivers for future performance.
Forward-looking statements caution about risks from interest rates, competition, regulation, and economic conditions.
- Net income rose 98% year-over-year to $6.0 million, led by margin expansion and mortgage growth.WSBF
Q1 20267 May 2026 - Annual meeting to vote on directors, auditor, executive pay, and ESG-focused governance.WSBF
Proxy filing9 Apr 2026 - Q4 2025 net income surged 48% year-over-year, with strong growth in both banking segments.WSBF
Q4 202528 Jan 2026 - Annual meeting covers director election, auditor ratification, and executive pay, with strong governance.WSBF
Proxy Filing2 Dec 2025 - Net income surged 68% year-over-year on margin gains, asset quality, and segment growth.WSBF
Q3 20256 Nov 2025 - Earnings, margins, and book value rose on strong banking results and share buybacks.WSBF
Q2 20257 Aug 2025 - Net income rose to $4.7M as asset quality improved and mortgage banking returned to profit.WSBF
Q3 202413 Jun 2025 - Earnings rose on mortgage banking gains, but margin pressure and credit risks persist.WSBF
Q2 202413 Jun 2025 - Net income steady at $3.0M as Community Banking strength offset Mortgage Banking losses.WSBF
Q1 20256 Jun 2025
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