Financials in USD. Standardized financial statements.
A compact view of how Waterstone Financial, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $201.61M | $199.38M | $176.97M | $171.06M | $268.47M | $317.86M | $207.20M | $188.53M | $188.45M | $187.23M |
| Revenue Growth? | +1.1% | +12.7% | +3.5% | -36.3% | -15.5% | +53.4% | +9.9% | +0.0% | +0.7% | 0.0% |
| Cost of Revenue? | $57.98M | $66.83M | $49.65M | $14.26M | $10.38M | $31.32M | $26.64M | $18.46M | $15.20M | $20.67M |
| Gross Profit? | $143.63M | $132.55M | $127.32M | $156.80M | $258.09M | $286.53M | $180.56M | $170.06M | $173.25M | $166.55M |
| Gross Margin? | +71.2% | +66.5% | +71.9% | +91.7% | +96.1% | +90.1% | +87.1% | +90.2% | +91.9% | +89.0% |
| Operating Expenses? | $110.18M | $108.55M | $116.28M | $132.32M | $165.98M | $178.41M | $132.99M | $129.78M | $128.82M | $124.56M |
| Operating Income? | $33.45M | $24.00M | $11.03M | $24.48M | $92.11M | $108.12M | $47.57M | $40.28M | $44.43M | $41.99M |
| EBITDA? | $33.45M | $26.48M | $14.33M | $28.51M | $98.16M | $113.72M | $52.27M | $45.01M | $46.59M | $45.21M |
| Income Before Tax | $33.45M | $24.00M | $11.03M | $24.48M | $92.11M | $108.12M | $47.57M | $40.28M | $44.43M | $41.99M |
| Income Tax Expense | $7.04M | $5.31M | $1.66M | $4.99M | $21.32M | $26.97M | $11.67M | $9.53M | $18.47M | $16.46M |
| Net Income? | $26.40M | $18.69M | $9.38M | $19.49M | $70.79M | $81.14M | $35.90M | $30.75M | $25.96M | $25.53M |
| EPS? | $1.48 | $1.01 | $0.47 | $0.89 | $2.98 | $3.32 | $1.38 | $1.12 | $0.95 | $0.94 |
| Diluted EPS? | $1.48 | $1.01 | $0.46 | $0.89 | $2.96 | $3.30 | $1.37 | $1.11 | $0.93 | $0.93 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality