The Tip Desk

Waterstone Financial, Inc.

Company Stats

Market Cap
$353.4M
as of Sep 30, 2026
Shares Outstanding
18.0M
Free Float
84.6%

Income Statement

Net Income
$26.4M

Cash Flow

Free Cash Flow
$23.0M
FCF Yield
6.5%
Owner FCF Yield
6.4%

Returns & Capital

Dividends Paid
$10.8M
Dividend Yield
3.0%
Dividend Payout, 3Y Avg
88.3%
Share Repurchases
$16.2M
Buyback Yield, 3Y Avg
5.4%
SBC, 3Y Avg
$296,667

Cash Flow by Year

YearRevenueFCFMargin
FY2025—$23.0M—
FY2024—$47.0M—
FY2023—-$28.3M—
FY2022—$206.0M—
FY2021—$141.2M—

Annual filing data through FY ended December 31, 2025; shares and float as of October 12, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage