Waterstone Financial Retained Earnings 2011-2026 | WSBF

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings Waterstone Financial

2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
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

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
277 M	102 M	200 M

Quarterly Retained Earnings 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
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	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
288 M	136 M	215 M

Retained Earnings of other stocks in the Banks regional industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Allegiance Bancshares ABTX	267 M	-	-0.86 %	$ 1.51 B	USA
Atlantic Capital Bancshares ACBI	114 M	-	-1.48 %	$ 566 M	USA
Signature Bank SBNY	3.55 B	-	-	$ 4.41 B	USA
First Midwest Bancorp, Inc. FMBI	1.39 B	-	-1.2 %	$ 2.26 B	USA
Banco Macro S.A. BMA	-20.3 B	$ 80.81	7.08 %	$ 14.4 M	Argentina
1895 Bancorp of Wisconsin BCOW	33.9 M	-	-6.47 %	$ 52 M	USA
BankFinancial Corporation BFIN	74.4 M	-	-	$ 151 M	USA
CrossFirst Bankshares CFB	272 M	-	-	$ 784 M	USA
C&F Financial Corporation CFFI	269 M	$ 74.43	1.33 %	$ 241 M	USA
Civista Bancshares CIVB	240 M	$ 23.7	0.98 %	$ 413 M	USA
Citizens Holding Company CIZN	99.4 M	-	-5.65 %	$ 49.5 M	USA
Banc of California BANC	-242 M	$ 18.49	2.49 %	$ 2.95 B	USA
Comerica Incorporated CMA	12 B	-	-	$ 11.8 B	USA
Financial Institutions FISI	437 M	$ 33.88	2.08 %	$ 681 M	USA
Cincinnati Bancorp CNNB	21.8 M	-	-4.28 %	$ 43.3 M	USA
Cadence Bancorporation CADE	260 M	-	-	$ 5.43 B	USA
Auburn National Bancorporation AUBN	119 M	$ 24.01	2.34 %	$ 83.9 M	USA
Popular BPOP	5.21 B	$ 145.37	2.63 %	$ 9.82 B	USA
Banco BBVA Argentina S.A. BBAR	-29.4 B	$ 16.47	5.17 %	$ 450 B	Argentina
American National Bankshares AMNB	233 M	-	-	$ 508 M	USA
Banco Santander-Chile BSAC	411 B	$ 34.54	4.26 %	$ 3.42 T	Chile
Dime Community Bancshares DCOM	854 M	-	-	$ 1.48 B	USA
Dime Community Bancshares DCOMP	854 M	-	-	$ 796 M	USA
Banco Bradesco S.A. BBDO	-234 M	$ 3.46	5.22 %	$ 13.1 M	Brasil
Spirit of Texas Bancshares, Inc. STXB	76.7 M	-	-0.23 %	$ 446 M	USA
Enterprise Bancorp EBTC	328 M	-	-	$ 491 M	USA
First Busey Corporation BUSE	337 M	$ 26.68	2.89 %	$ 2.24 B	USA
People's United Financial, Inc. PBCT	1.36 B	-	-	$ 8.34 B	USA
Emclaire Financial Corp EMCF	48.9 M	-	-4.21 %	$ 86.4 M	USA
Camden National Corporation CAC	545 M	$ 50.31	2.53 %	$ 850 M	USA
ESSA Bancorp ESSA	163 M	-	-	$ 196 M	USA
CNB Financial Corporation CCNE	425 M	$ 30.78	1.02 %	$ 757 M	USA
The First of Long Island Corporation FLIC	356 M	-	0.25 %	$ 268 M	USA
FNCB Bancorp FNCB	71.8 M	-	-	$ 133 M	USA
Capstar Financial Holdings CSTR	159 M	-	-	$ 425 M	USA
First Northwest Bancorp FNWB	91.7 M	$ 10.13	5.52 %	$ 89 M	USA
American River Bankshares AMRB	56 M	-	2.00 %	$ 125 M	USA
Bank of Commerce Holdings BOCH	111 M	-	-1.56 %	$ 254 M	USA
Axos Financial AX	2.62 B	$ 93.15	4.42 %	$ 5.3 B	USA
First BanCorp. FBP	2.04 B	$ 22.57	3.63 %	$ 3.71 B	Puerto-rico
Bancolombia S.A. CIB	18 T	$ 75.36	3.06 %	$ 13.9 B	Colombia
Fidelity D & D Bancorp FDBC	159 M	$ 45.85	2.83 %	$ 264 M	USA
Glen Burnie Bancorp GLBZ	22.9 M	-	-	$ 12.5 M	USA
CIT Group Inc. CIT	1.43 B	-	-1.4 %	$ 4.74 B	USA
Guaranty Bancshares GNTY	157 M	-	-	$ 570 M	USA
Home Bancorp HBCP	285 M	$ 64.15	2.35 %	$ 499 M	USA
ConnectOne Bancorp CNOB	674 M	$ 28.39	3.42 %	$ 1.28 B	USA
HMN Financial HMNF	142 M	-	-2.13 %	$ 122 M	USA
HomeStreet HMST	251 M	-	1.84 %	$ 262 M	USA
HarborOne Bancorp HONE	374 M	-	-	$ 499 M	USA