Waterstone Financial Inc (WSBF) FinancialsWSBFWaterstone Financial Inc

Waterstone Financial Inc (WSBF) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Mortgage Banking, accounting for 68.0% of total sales, equivalent to $32.01M. Other significant revenue streams include Community Banking and Holding Company & Other. Understanding this composition is critical for investors evaluating how WSBF navigates market cycles within the Banks industry.

Evaluating the bottom line, Waterstone Financial Inc maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 28.31%, while the net margin is 22.47%. These profitability ratios, combined with a Return on Equity (ROE) of 8.69%, provide a clear picture of how effectively WSBF converts its operational activities into shareholder value.

In the context of the broader market, WSBF competes directly with industry leaders such as CCAP and TREE. With a market capitalization of $382.19M, it holds a significant position in the sector. When comparing efficiency, WSBF's gross margin of N/A stands against CCAP's 85.43% and TREE's 94.63%. Such benchmarking helps identify whether Waterstone Financial Inc is trading at a premium or discount relative to its financial performance.

Waterstone Financial has shown consistent revenue growth, with Q2 2026 revenue at $40.25 million, a 5.8% increase year-over-year. The net income for Q2 2026 was $8.46 million, demonstrating strong profitability. The net margin has improved to 22.47%, indicating effective cost management.