Waterstone Financial, Inc.WSBF

Market cap

$294.24M

P/E ratio

	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022
Loans	58	57	55	57	61	67	72	73	64	63
Mortgage-related securities	2	3	3	3	3	3	3	2	2	3
Debt securities, federal funds sold and short-term investments	-	-	-	-	-	-	-	-	-	4
Total interest income	63	64	62	64	67	74	80	78	70	70
Deposits	5	5	6	7	8	12	17	14	4	5
Borrowings	18	17	17	13	9	8	10	11	10	8
Total interest expense	24	22	23	20	16	20	28	25	14	13
Net interest income	39	41	39	43	51	54	52	54	56	57
Provision (credit) for credit losses (1)	-	-	-	-	-	-	-	-	-	1
Net interest income after provision (credit) for credit losses (1)	35	40	37	43	52	55	53	47	60	56
Service charges on loans and deposits	-	-	-	-	-	2	2	4	3	2
Increase in cash surrender value of life insurance	1	1	1	2	2	2	2	2	2	2
Mortgage banking income	-	-	-	-	-	113	126	233	191	100
Other	5	4	2	1	1	2	1	4	7	2
Total noninterest income	88	85	104	126	124	118	131	244	203	106
Compensation, payroll taxes, and other employee benefits	69	69	82	95	97	98	102	139	135	100
Occupancy, office furniture, and equipment	8	10	9	9	10	11	11	10	10	9
Advertising	3	3	3	3	3	4	4	4	4	4
Data processing	2	2	2	3	2	3	4	4	4	4
Communications	2	2	1	1	2	2	1	1	1	1
Professional fees	-	-	-	-	-	-	-	-	-	2
Real estate owned	-	-	-	-	-	-	-	-	-	0
Loan processing expense	-	-	-	-	-	3	3	5	5	5
Other	11	12	12	13	14	10	8	12	11	13
Total noninterest expenses	99	105	116	127	132	133	136	183	171	137
Income before income taxes	23	20	26	42	44	40	48	108	92	24
Income tax expense	9	7	9	16	18	10	12	27	21	5
Net income	15	13	17	26	26	31	36	81	71	19
Basic (in dollars per share)	0.43	0.38	0.57	0.94	0.95	1.12	1.38	3.32	2.98	0.89
Diluted (in dollars per share)	0.43	0.38	0.56	0.93	0.93	1.11	1.37	3.3	2.96	0.89