Waterstone Financial, Inc. (WSBF)

Over the past six months, Waterstone Financial's stock has been influenced by several events. There were reports of insider selling in February 2026. Analyst ratings varied, with Wall Street Zen downgrading the stock to "hold" and Weiss Ratings reiterating a "buy" rating. The company announced its earnings for Q4 2025 and Q2 2025, reporting a net income of $7.7 million for both quarters. Waterstone Financial declared regular quarterly cash dividends of $0.15 per share. Two new board members, Molly Mulroy and Laura Piotrowski, were elected in July 2025.

Specific detailed information regarding the demand seasonality for Waterstone Financial, Inc.'s products and services was not explicitly provided. Demand for residential mortgages can exhibit seasonal patterns, often increasing during warmer months. The company's operations in both community banking and mortgage banking suggest that overall demand could be influenced by general economic conditions, interest rate fluctuations, and regional housing market trends.

Waterstone Financial, Inc. (WSBF) is a bank holding company based in Wauwatosa, Wisconsin, operating through its subsidiary, Waterstone Bank SSB. It operates in the Financial sector, specifically in the Savings & Loans industry, offering Banking Services. The company operates through Community Banking and Mortgage Banking segments. The Community Banking segment provides a range of consumer and business banking products and services, including deposit products, lending solutions, treasury management services, annuities, insurance products, and trust and investment management accounts. The Mortgage Banking segment focuses on originating residential mortgage loans for sale in the secondary market.

Waterstone Financial's community banking operations are concentrated in southeastern Wisconsin, with Waterstone Bank branches in multiple locations. Through Waterstone Mortgage, the company extends its lending capabilities to 48 states, with offices in 21 states.

Waterstone Financial's brand reputation over the past year appears stable, with no major negative events impacting its brand beyond general market sentiment and financial performance. TipRanks' AI Analyst rates WSBF as "Neutral," noting strong technical momentum and a reasonable valuation, despite mixed financial performance. AInvest's sentiment analysis indicates robust fund inflows despite a negative overall trend, with block trades leaning positive and extra-large orders favoring buyers, which partially offsets smaller-investor selling. The company's news releases primarily focus on financial results and dividend declarations.

Waterstone Financial, Inc. has a significant institutional ownership presence, with 245 institutional owners and shareholders holding a total of 11,166,036 shares. Major institutional shareholders include BlackRock, Inc., Dimensional Fund Advisors Lp, Renaissance Technologies Llc, and Vanguard Group Inc. Institutions hold 50.64% of the company's shares, while retail investors account for 46% of ownership. Insider ownership stands at 7.40%. Over the past year, there have been 12 insider sells and no insider buys.