Waterstone Financial (WSBF) Net Profit Margin: History & Chart

Waterstone Financial, Inc.(WSBF)

Banks - Regional · Wauwatosa, WI

$19.87-0.03 (-0.15%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About Waterstone Financial, Inc.

Waterstone Financial, Inc. functions as a bank holding company, with its principal operations conducted through its subsidiary, WaterStone Bank SSB. It offers a broad spectrum of financial services to customers situated in southeastern Wisconsin, USA. The firm's activities are structured into two key segments: Community Banking and Mortgage Banking. The Community Banking division caters to both individual and commercial clients with a suite of banking solutions. This encompasses diverse deposit and transactional offerings, such as checking accounts, digital banking and bill payment facilities, funds transfer services, and various credit, debit, and prepaid card options. Furthermore, it provides savings and investment vehicles, including savings accounts, money market deposits, individual retirement accounts, and certificates of deposit. Its lending portfolio extends to residential mortgages, home equity loans and lines of credit, personal and installment credit, real estate financing, and commercial loans and lines of credit. Additionally, the segment offers fixed and variable annuities, insurance policies, and trust and investment management accounts. Its deposit types span interest-bearing and non-interest-bearing transaction accounts, demand accounts, and time deposits. Beyond this, loan products encompass secured and unsecured lines of credit, commercial real estate construction financing, term loans for operational capital and inventory, and personal term loans, complemented by various investment services. The Mortgage Banking division focuses on originating residential mortgage loans, predominantly for sale within the secondary market. The company also maintains an investment portfolio containing a mix of securities, such as mortgage-backed securities, bonds from government-sponsored and private enterprises, collateralized mortgage and municipal obligations, and other debt instruments. Its operational footprint includes 14 full-service banking offices, a single drive-through facility, and 14 automated teller machines, strategically placed across Milwaukee, Washington, and Waukesha Counties in Wisconsin. Founded in 1921 and headquartered in Wauwatosa, Wisconsin, the firm was formerly known as Wauwatosa Holdings, Inc., adopting its current name, Waterstone Financial, Inc., in August 2008.

Wauwatosa, WI

593 employees

www.wsbonline.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: William F. Bruss

View full financials

WSBF Net Profit Margin Metrics

NET PROFIT MARGIN

18.58%

NET PROFIT MARGIN AVG TTM

34.55%

NET PROFIT MARGIN AVG 3Y

9.68%

NET PROFIT MARGIN AVG 5Y

12.03%

NET PROFIT MARGIN AVG 10Y

14.49%

NET PROFIT MARGIN AVG 15Y

12.71%

NET PROFIT MARGIN AVG 20Y

10.31%

CURRENT VS TTM AVG

-46.22%

CURRENT VS 3Y AVG

+91.96%

CURRENT VS 5Y AVG

+54.43%

CURRENT VS 10Y AVG

+28.24%

CURRENT VS 15Y AVG

+46.17%

CURRENT VS 20Y AVG

+80.19%

SECTOR MEDIAN · FINANCIAL SERVICES

13.21%

median of 716 covered companies

CURRENT VS SECTOR MEDIAN

+40.70%

vs the sector median at left

NAME	MARKET CAP	NET PROFIT MARGIN	TTM	3Y	5Y
Waterstone Financial, Inc. (WSBF)	$358.71M	18.58%	34.55%	9.68%	12.03%
Karbon Capital Partners Corp. (KBON)vs ›	$358.15M	0.00%	0.00%	0.00%	0.00%
Kochav Defense Acquisition Corp. (KCHV)vs ›	$359.70M	0.00%	0.00%	0.00%	0.00%
Timberland Bancorp, Inc. (TSBK)vs ›	$357.35M	28.74%	25.15%	29.11%	31.90%
Averin Capital Acquisition Corp. (ACAA)vs ›	$357.18M	0.00%	0.00%	0.00%	0.00%
Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs ›	$360.69M	N/A	N/A	N/A	N/A
Cohen Circle Acquisition Corp. II (CCII)vs ›	$356.65M	0.00%	0.00%	0.00%	0.00%
OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›	$361.92M	0.00%	0.00%	0.00%	0.00%
Archimedes Tech SPAC Partners III Co. (ARCI)vs ›	$355.09M	0.00%	0.00%	0.00%	0.00%
Titan Acquisition Corp. (TACH)vs ›	$363.98M	0.00%	0.00%	0.00%	0.00%

NAME

MARKET CAP

NET PROFIT MARGIN

TTM

Waterstone Financial, Inc. (WSBF)

$358.71M

18.58%

34.55%

9.68%

12.03%

Karbon Capital Partners Corp. (KBON)vs ›

$358.15M

0.00%

Kochav Defense Acquisition Corp. (KCHV)vs ›

$359.70M

0.00%

Timberland Bancorp, Inc. (TSBK)vs ›

$357.35M

28.74%

25.15%

29.11%

31.90%

Averin Capital Acquisition Corp. (ACAA)vs ›

$357.18M

0.00%

Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs ›

$360.69M

N/A

Cohen Circle Acquisition Corp. II (CCII)vs ›

$356.65M

0.00%

OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›

$361.92M

0.00%

Archimedes Tech SPAC Partners III Co. (ARCI)vs ›

$355.09M

0.00%

Titan Acquisition Corp. (TACH)vs ›

$363.98M

0.00%

Net Profit Margin FAQ

What is the net profit margin for Waterstone Financial, Inc. (WSBF)?

The net profit margin for WSBF stock is 18.58%.

Is Waterstone Financial, Inc.'s net profit margin high or low?

The net profit margin of 18.58% is 54% above its 5-year average of 12.03%, near the low end of its 5-year range (-0.09%–116.06%).

What is the TTM average net profit margin for Waterstone Financial, Inc. (WSBF)?

The TTM average net profit margin for WSBF stock is 34.55%.

What is the 3Y average net profit margin for Waterstone Financial, Inc. (WSBF)?

The 3Y average net profit margin for WSBF stock is 9.68%.

What is the 5Y average net profit margin for Waterstone Financial, Inc. (WSBF)?

The 5Y average net profit margin for WSBF stock is 12.03%.

What is the 10Y average net profit margin for Waterstone Financial, Inc. (WSBF)?

The 10Y average net profit margin for WSBF stock is 14.49%.

What is the 15Y average net profit margin for Waterstone Financial, Inc. (WSBF)?

The 15Y average net profit margin for WSBF stock is 12.71%.

What is the 20Y average net profit margin for Waterstone Financial, Inc. (WSBF)?

The 20Y average net profit margin for WSBF stock is 10.31%.

DATE	NET PROFIT MARGIN
2026-06-30	116.06%
2026-03-31	12.18%
2025-12-31	14.20%
2025-09-30	15.49%
2025-06-30	14.80%
2025-03-31	6.91%
2024-12-31	10.95%
2024-09-30	9.26%
2024-06-30	10.65%
2024-03-31	6.45%
2023-12-31	-0.09%
2023-09-30	6.79%
2023-06-30	8.55%
2023-03-31	5.47%
2022-12-31	2.55%
2022-09-30	11.87%
2022-06-30	17.18%
2022-03-31	12.19%
2021-12-31	21.77%
2021-09-30	27.41%
2021-06-30	26.06%
2021-03-31	29.31%
2020-12-31	31.46%
2020-09-30	27.98%
2020-06-30	24.48%
2020-03-31	12.18%
2019-12-31	16.49%
2019-09-30	19.16%
2019-06-30	17.78%
2019-03-31	15.35%
2018-12-31	13.65%
2018-09-30	16.65%
2018-06-30	18.55%
2018-03-31	16.89%
2017-12-31	6.85%
2017-09-30	14.63%
2017-06-30	16.53%
2017-03-31	15.75%
2016-12-31	13.55%
2016-09-30	13.96%
2016-06-30	14.91%
2016-03-31	10.42%
2015-12-31	8.03%
2015-09-30	11.72%
2015-06-30	11.29%
2015-03-31	8.14%
2014-12-31	6.38%
2014-09-30	11.76%
2014-06-30	9.58%
2014-03-31	5.86%
2013-12-31	6.00%
2013-09-30	8.80%
2013-06-30	11.56%
2013-03-31	11.79%
2012-12-31	43.46%
2012-09-30	18.75%
2012-06-30	15.05%
2012-03-31	6.66%
2011-12-31	-15.75%
2011-09-30	-0.62%
2011-06-30	-1.94%
2011-03-31	-5.69%
2010-12-31	-1.04%
2010-09-30	-1.45%
2010-06-30	-4.03%
2010-03-31	0.64%
2009-12-31	-21.19%
2009-09-30	-12.48%
2009-06-30	4.72%
2009-03-31	-13.53%
2008-12-31	14.17%
2008-09-30	-91.87%
2008-06-30	-9.22%
2008-03-31	2.32%
2007-12-31	1.17%
2007-09-30	1.60%
2007-06-30	-4.87%
2007-03-31	8.33%
2006-12-31	8.79%
2006-09-30	3.70%
2006-06-30	9.02%
2006-03-31	11.74%
2005-09-30	3.11%
2004-09-30	35.19%

DATE

NET PROFIT MARGIN

2026-06-30

116.06%

2026-03-31

12.18%

2025-12-31

14.20%

2025-09-30

15.49%

2025-06-30

14.80%

2025-03-31

6.91%

2024-12-31

10.95%

2024-09-30

9.26%

2024-06-30

10.65%

2024-03-31

6.45%

2023-12-31

-0.09%

2023-09-30

6.79%

2023-06-30

8.55%

2023-03-31

5.47%

2022-12-31

2.55%

2022-09-30

11.87%

2022-06-30

17.18%

2022-03-31

12.19%

2021-12-31

21.77%

2021-09-30

27.41%

2021-06-30

26.06%

2021-03-31

29.31%

2020-12-31

31.46%

2020-09-30

27.98%

2020-06-30

24.48%

2020-03-31

12.18%

2019-12-31

16.49%

2019-09-30

19.16%

2019-06-30

17.78%

2019-03-31

15.35%

2018-12-31

13.65%

2018-09-30

16.65%

2018-06-30

18.55%

2018-03-31

16.89%

2017-12-31

6.85%

2017-09-30

14.63%

2017-06-30

16.53%

2017-03-31

15.75%

2016-12-31

13.55%

2016-09-30

13.96%

2016-06-30

14.91%

2016-03-31

10.42%

2015-12-31

8.03%

2015-09-30

11.72%

2015-06-30

11.29%

2015-03-31

8.14%

2014-12-31

6.38%

2014-09-30

11.76%

2014-06-30

9.58%

2014-03-31

5.86%

2013-12-31

6.00%

2013-09-30

8.80%

2013-06-30

11.56%

2013-03-31

11.79%

2012-12-31

43.46%

2012-09-30

18.75%

2012-06-30

15.05%

2012-03-31

6.66%

2011-12-31

-15.75%

2011-09-30

-0.62%

2011-06-30

-1.94%

2011-03-31

-5.69%

2010-12-31

-1.04%

2010-09-30

-1.45%

2010-06-30

-4.03%

2010-03-31

0.64%

2009-12-31

-21.19%

2009-09-30

-12.48%

2009-06-30

4.72%

2009-03-31

-13.53%

2008-12-31

14.17%

2008-09-30

-91.87%

2008-06-30

-9.22%

2008-03-31

2.32%

2007-12-31

1.17%

2007-09-30

1.60%

2007-06-30

-4.87%

2007-03-31

8.33%

2006-12-31

8.79%

2006-09-30

3.70%

2006-06-30

9.02%

2006-03-31

11.74%

2005-09-30

3.11%

2004-09-30

35.19%

Net Profit Margin: 18.58%

WSBF Profit Margin

WSBF Average Net Profit Margin Chart

WSBF Current vs Average Net Profit Margin Chart

WSBF Net Profit Margin Metrics

WSBF Competitors' Net Profit Margin

Margin Comparison

Net Profit Margin Formula & Definition

Net Profit Margin FAQ

WSBF Net Profit Margin History

Related Metrics