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Waterstone Financial (WSBF)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Waterstone Financial Balance Sheet 2025-2010 | WSBF
Brief overview of Waterstone Financial's assets and capital
Balance sheet changes are traced across five available annual reports between 2021 and 2025.
Assets shifted from $2.2 billion to $2.3 billion, leaving five-period growth close to stagnation.
Assets and liabilities changed at similar rates, +2% and +7.1%. The funding mix did not shift sharply.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 15.5% of assets versus 19.5% initially.
By the end of the period, accumulated earnings were $293 million; the change from the start was +7.2%.
Balance sheet takeaway
Waterstone Financial's balance sheet is broadly resilient, though selected areas require monitoring. The balance between assets, equity and liabilities remains the key issue.
Annual Balance Sheet Waterstone Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
349 M | 411 M | 580 M | 353 M | 134 M | 414 M | 408 M | 369 M | 343 M | 275 M | 270 M | 198 M | -79.1 M | 307 M | 389 M | - |
Long Term Debt |
412 M | 447 M | 611 M | 387 M | 477 M | 470 M | 470 M | 430 M | 340 M | 230 M | 350 M | 350 M | 350 M | 350 M | 434 M | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 484 M | 435 M | 386 M | 387 M | 441 M | 434 M | 434 M | - | - | - |
Total Liabilities |
1.91 B | 1.87 B | 1.87 B | 1.66 B | 1.78 B | 1.77 B | 1.6 B | 1.52 B | 1.39 B | 1.38 B | 1.37 B | 1.33 B | 1.73 B | 1.46 B | 1.55 B | - |
Retained Earnings |
293 M | 277 M | 270 M | 274 M | 273 M | 245 M | 197 M | 187 M | 183 M | 185 M | 168 M | 157 M | 151 M | 136 M | 102 M | - |
Total Assets |
2.26 B | 2.21 B | 2.21 B | 2.03 B | 2.22 B | 2.18 B | 2 B | 1.92 B | 1.81 B | 1.79 B | 1.76 B | 1.78 B | 1.95 B | 1.66 B | 1.71 B | - |
Cash and Cash Equivalents |
63.6 M | 35.2 M | 30.7 M | 33.7 M | 343 M | 56.2 M | 52.8 M | 86.1 M | 48.6 M | 47.2 M | 100 M | 173 M | 429 M | 71.5 M | 80.4 M | 75.3 M |
Book Value |
349 M | 339 M | 344 M | 370 M | 433 M | 413 M | 394 M | 400 M | 412 M | 411 M | 392 M | 450 M | 214 M | 203 M | 166 M | - |
Total Shareholders Equity |
349 M | 339 M | 344 M | 370 M | 433 M | 413 M | 394 M | 400 M | 412 M | 411 M | 392 M | 450 M | 214 M | 203 M | 166 M | 172 M |
All numbers in USD currency
Quarterly Balance Sheet Waterstone Financial
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
412 M | 413 M | 469 M | 466 M | 396 M | 447 M | 560 M | 661 M | 634 M | 611 M | 588 M | 615 M | 502 M | 387 M | 320 M | - | 326 M | 477 M | 475 M | 475 M | 491 M | 508 M | 508 M | 508 M | 508 M | 484 M | 484 M | 484 M | 484 M | 435 M | 435 M | 435 M | 435 M | 386 M | 386 M | 386 M | 386 M | 387 M | 387 M | 387 M | 387 M | 441 M | 441 M | 441 M | 441 M | 434 M | 434 M | 434 M | 434 M | 434 M | 434 M | 434 M | 434 M | 434 M | - | - | - | - | - | - | - |
Total Liabilities |
1.9 B | 1.9 B | 1.92 B | 1.92 B | 1.83 B | 1.87 B | 1.9 B | 1.95 B | 1.9 B | 1.87 B | 1.88 B | 1.87 B | 1.75 B | 1.66 B | 1.6 B | - | 1.59 B | 1.78 B | 1.79 B | 1.77 B | 1.77 B | 1.77 B | 1.77 B | 1.77 B | 1.77 B | 1.6 B | 1.6 B | 1.6 B | 1.6 B | 1.52 B | 1.52 B | 1.52 B | 1.52 B | 1.39 B | 1.39 B | 1.39 B | 1.39 B | 1.38 B | 1.38 B | 1.38 B | 1.38 B | 1.37 B | 1.37 B | 1.37 B | 1.37 B | 1.33 B | 1.33 B | 1.33 B | 1.33 B | 1.73 B | 1.73 B | 1.73 B | 1.73 B | 1.46 B | - | - | - | - | - | - | - |
Retained Earnings |
302 M | 296 M | 288 M | 283 M | 278 M | 277 M | 275 M | 273 M | 270 M | 270 M | 273 M | 272 M | 272 M | 274 M | 278 M | - | 273 M | 273 M | 277 M | 263 M | 262 M | 245 M | 245 M | 245 M | 245 M | 197 M | 197 M | 197 M | 197 M | 187 M | 187 M | 187 M | 187 M | 183 M | 183 M | 183 M | 183 M | 185 M | 185 M | 185 M | 185 M | 168 M | 168 M | 168 M | 168 M | 157 M | 157 M | 157 M | 157 M | 151 M | 151 M | 151 M | 151 M | 136 M | - | - | - | - | - | - | - |
Total Assets |
2.25 B | 2.25 B | 2.27 B | 2.26 B | 2.18 B | 2.21 B | 2.24 B | 2.29 B | 2.23 B | 2.21 B | 2.22 B | 2.23 B | 2.11 B | 2.03 B | 1.98 B | 1.94 B | 2 B | 2.22 B | 2.23 B | 2.2 B | 2.19 B | 2.18 B | 2.18 B | 2.18 B | 2.18 B | 2 B | 2 B | 2 B | 2 B | 1.92 B | 1.92 B | 1.92 B | 1.92 B | 1.81 B | 1.81 B | 1.81 B | 1.81 B | 1.79 B | 1.79 B | 1.79 B | 1.79 B | 1.76 B | 1.76 B | 1.76 B | 1.76 B | 1.78 B | 1.78 B | 1.78 B | 1.78 B | 1.95 B | 1.95 B | 1.95 B | 1.95 B | 1.66 B | - | - | - | 1.71 B | - | - | - |
Cash and Cash Equivalents |
32.7 M | 38.8 M | 50.1 M | 63.2 M | 37.5 M | 35.2 M | 35.8 M | 36.2 M | 41.3 M | 30.7 M | 55.8 M | 53.4 M | 45.9 M | 33.7 M | 37.2 M | - | 248 M | 343 M | 327 M | 198 M | 160 M | 56.2 M | 56.2 M | 56.2 M | 56.2 M | 52.8 M | 52.8 M | 52.8 M | 105 M | 86.1 M | 58.9 M | 78.1 M | 83.4 M | 48.6 M | 48.6 M | 48.6 M | 48.6 M | 47.2 M | 47.2 M | 47.2 M | 47.2 M | 100 M | 100 M | 100 M | 100 M | 173 M | 173 M | 173 M | 173 M | 429 M | 429 M | 429 M | 429 M | 71.5 M | - | - | - | 80.4 M | - | - | - |
Book Value |
351 M | 348 M | 345 M | 341 M | 341 M | 339 M | 342 M | 335 M | 338 M | 344 M | 346 M | 356 M | 366 M | 370 M | 376 M | 1.94 B | 412 M | 433 M | 443 M | 432 M | 422 M | 413 M | 413 M | 413 M | 413 M | 394 M | 394 M | 394 M | 394 M | 400 M | 400 M | 400 M | 400 M | 412 M | 412 M | 412 M | 412 M | 411 M | 411 M | 411 M | 411 M | 392 M | 392 M | 392 M | 392 M | 450 M | 450 M | 450 M | 450 M | 214 M | 214 M | 214 M | 214 M | 203 M | - | - | - | 1.71 B | - | - | - |
Total Shareholders Equity |
351 M | 348 M | 345 M | 341 M | 341 M | 339 M | 342 M | 335 M | 338 M | 344 M | 346 M | 356 M | 366 M | 370 M | 376 M | 386 M | 412 M | 433 M | 443 M | 432 M | 431 M | 413 M | 413 M | 413 M | 413 M | 394 M | 394 M | 394 M | 394 M | 400 M | 400 M | 400 M | 400 M | 412 M | 412 M | 412 M | 412 M | 411 M | 411 M | 411 M | 411 M | 392 M | 392 M | 392 M | 392 M | 450 M | 450 M | 450 M | 450 M | 214 M | 214 M | 214 M | 214 M | 203 M | - | - | - | 166 M | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Waterstone Financial, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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