Waterstone Financial, Inc. (WSBF)

In the past six months, Waterstone Financial declared a dividend increase of 13.3% to $0.17 per share. Q4 2025 earnings showed an EPS of $0.44, and full-year 2025 earnings showed an EPS of $1.48. The stock price rose by 22% in the six months leading up to January 9, 2026. There has been significant insider selling activity, and institutional investors have both added and decreased positions in WSBF shares.

The provided information does not explicitly detail the demand seasonality for Waterstone Financial, Inc.'s products and services. Demand for mortgage loans can be influenced by seasonal factors such as housing market activity, which often sees increased transactions in spring and summer. The community banking segment's deposit and lending products may experience less pronounced seasonality, but overall economic conditions and interest rate fluctuations would impact demand.

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB and its subsidiary, Waterstone Mortgage Corporation, primarily in the Financials sector, specifically within Banking Services and Savings & Loans. The company operates through Community Banking and Mortgage Banking segments, offering loan and deposit products, personal investment services, and residential mortgage loans.

Waterstone Financial's community banking segment primarily serves customers in southeastern Wisconsin, operating approximately 14 branch locations across Milwaukee, Waukesha, and Washington Counties. The mortgage banking segment has offices in 21 states and can lend in 48 states.

Information specifically detailing Waterstone Financial's brand reputation in the past year is limited. However, a November 2025 article noted that Waterstone Financial has executed a successful turnaround, with both its banking and mortgage segments returning to growth and profitability, driven by a greater focus on profitability and expense management.

Waterstone Financial is owned by 50.06% institutional shareholders, 11.23% Waterstone Financial insiders, and 38.71% retail investors. Major institutional owners include BlackRock, Inc., Dimensional Fund Advisors LP, and Renaissance Technologies LLC. The largest individual shareholder is Douglas S. Gordon, who owns 3.97% of the company.