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added 11-06-2025
Waterstone Financial Long-Term Debt 2011-2026 | WSBF
Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.
Main characteristics:- Term exceeds 12 months
- Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
- Repaid through regular payments (interest and/or principal) over several years
- Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital. - Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks. - Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.
A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.
If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.
It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.
Examples of long-term debt:- Mortgage loans for property purchases
- Corporate bonds issued by a company to raise capital
- Project financing — long-term loans for building or expanding production facilities
- Leasing obligations for equipment or transport
Annual Long-Term Debt Waterstone Financial
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
All numbers in USD currency
Indicator range from annual reports
| Maximum | Minimum | Average |
|---|---|---|
| 611 M | 230 M | 407 M |
Quarterly Long-Term Debt Waterstone Financial
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | - | - | - | - | - | - | - |
All numbers in USD currency
Indicator range from quarterly reporting
| Maximum | Minimum | Average |
|---|---|---|
| 661 M | 320 M | 458 M |
Long-Term Debt of other stocks in the Banks regional industry
| Issuer | Long-Term Debt | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Arrow Financial Corporation
AROW
|
4.26 M | $ 36.61 | 1.52 % | $ 604 M |  USA |
 |
Signature Bank
SBNY
|
3.67 B | - | - | $ 4.41 B | USA |
 |
First Midwest Bancorp, Inc.
FMBI
|
1.64 B | - | -1.2 % | $ 2.26 B | USA |
 |
Atlantic Capital Bancshares
ACBI
|
73.8 M | - | -1.48 % | $ 566 M | USA |
 |
American National Bankshares
AMNB
|
35.5 M | - | - | $ 508 M | USA |
 |
BankFinancial Corporation
BFIN
|
4 M | - | - | $ 151 M | USA |
 |
Brookline Bancorp
BRKL
|
1.52 B | - | - | $ 974 M | USA |
 |
1895 Bancorp of Wisconsin
BCOW
|
17.6 M | - | -6.47 % | $ 52 M | USA |
 |
Cambridge Bancorp
CATC
|
3.41 M | - | - | $ 576 M | USA |
 |
Cadence Bancorporation
CADE
|
373 M | - | - | $ 5.43 B | USA |
 |
CBM Bancorp
CBMB
|
5 M | - | 0.52 % | $ 61.6 M | USA |
 |
Camden National Corporation
CAC
|
69.1 M | $ 50.37 | 1.38 % | $ 851 M | USA |
 |
CBTX
CBTX
|
50 M | - | 1.49 % | $ 1.51 B | USA |
 |
Civista Bancshares
CIVB
|
256 M | $ 25.23 | 1.16 % | $ 440 M | USA |
 |
Auburn National Bancorporation
AUBN
|
3.22 M | $ 23.51 | -2.04 % | $ 82.1 M | USA |
 |
Popular
BPOP
|
1.1 B | $ 150.23 | 2.17 % | $ 10.2 B | USA |
 |
Banco BBVA Argentina S.A.
BBAR
|
1.17 B | $ 14.57 | 0.66 % | $ 450 B |  Argentina |
 |
Deutsche Bank Aktiengesellschaft
DB
|
153 B | $ 31.84 | 0.11 % | $ 22.4 B |  Germany |
 |
CrossFirst Bankshares
CFB
|
1.92 B | - | - | $ 784 M | USA |
 |
C&F Financial Corporation
CFFI
|
69.8 M | $ 75.99 | 0.62 % | $ 246 M | USA |
 |
Citizens Holding Company
CIZN
|
18 M | - | -5.65 % | $ 49.5 M | USA |
 |
First BanCorp.
FBP
|
562 M | $ 24.26 | 3.61 % | $ 3.99 B |  Puerto-rico |
 |
Banco Bradesco S.A.
BBDO
|
213 B | $ 3.48 | -0.29 % | $ 13.1 M |  Brasil |
 |
Comerica Incorporated
CMA
|
6.67 B | - | - | $ 11.8 B | USA |
 |
Spirit of Texas Bancshares, Inc.
STXB
|
92.2 M | - | -0.23 % | $ 446 M | USA |
 |
Grupo Financiero Galicia S.A.
GGAL
|
52.6 B | $ 43.4 | 0.53 % | $ 3.54 B | Argentina |
 |
First Busey Corporation
BUSE
|
114 M | $ 26.57 | 1.48 % | $ 2.23 B | USA |
 |
People's United Financial, Inc.
PBCT
|
1.02 B | - | - | $ 8.34 B | USA |
 |
Cincinnati Bancorp
CNNB
|
47.2 M | - | -4.28 % | $ 43.3 M | USA |
 |
The First Bancorp
FNLC
|
95.5 M | $ 29.3 | 0.86 % | $ 325 M | USA |
 |
CNB Financial Corporation
CCNE
|
84.9 M | $ 30.49 | 1.06 % | $ 750 M | USA |
 |
Codorus Valley Bancorp
CVLY
|
42.4 M | - | - | $ 231 M | USA |
 |
First US Bancshares
FUSB
|
10.8 M | $ 15.86 | 2.26 % | $ 94.6 M | USA |
 |
Capstar Financial Holdings
CSTR
|
10 M | - | - | $ 425 M | USA |
 |
American River Bankshares
AMRB
|
13.8 M | - | 2.00 % | $ 125 M | USA |
 |
Dime Community Bancshares
DCOM
|
1.32 B | - | - | $ 1.48 B | USA |
 |
Bank of Commerce Holdings
BOCH
|
25.3 M | - | -1.56 % | $ 254 M | USA |
|
Dime Community Bancshares
DCOMP
|
1.32 B | - | - | $ 796 M | USA |
 |
Axos Financial
AX
|
313 M | $ 98.14 | 2.89 % | $ 5.58 B | USA |
 |
CIT Group Inc.
CIT
|
5.84 B | - | -1.4 % | $ 4.74 B | USA |
 |
Emclaire Financial Corp
EMCF
|
15 M | - | -4.21 % | $ 86.4 M | USA |
 |
Enterprise Bancorp
EBTC
|
111 M | - | - | $ 491 M | USA |
 |
ConnectOne Bancorp
CNOB
|
629 M | $ 29.8 | 4.49 % | $ 1.35 B | USA |
 |
Enterprise Financial Services Corp
EFSC
|
398 M | $ 59.87 | 1.77 % | $ 2.21 B | USA |
 |
ESSA Bancorp
ESSA
|
14.2 M | - | - | $ 196 M | USA |
 |
Evans Bancorp
EVBN
|
21.3 M | - | 2.41 % | $ 218 M | USA |
 |
CVB Financial Corp.
CVBF
|
46.5 M | $ 20.34 | 1.37 % | $ 2.78 B | USA |
 |
Esquire Financial Holdings
ESQ
|
86 K | $ 105.95 | 0.9 % | $ 854 M | USA |
 |
Fidelity D & D Bancorp
FDBC
|
15 M | $ 45.81 | -0.48 % | $ 264 M | USA |
 |
FFBW
FFBW
|
7.5 M | - | - | $ 68.2 M | USA |