Company Quick10K Filing
Waterstone Financial
10-K 2019-12-31 Filed 2020-03-13
10-Q 2019-09-30 Filed 2019-11-01
10-Q 2019-06-30 Filed 2019-07-31
10-Q 2019-03-31 Filed 2019-05-03
10-K 2018-12-31 Filed 2019-03-06
10-Q 2018-09-30 Filed 2018-10-30
10-Q 2018-06-30 Filed 2018-07-31
10-Q 2018-03-31 Filed 2018-04-30
10-K 2017-12-31 Filed 2018-03-06
10-Q 2017-09-30 Filed 2017-10-27
10-Q 2017-06-30 Filed 2017-07-31
10-Q 2017-03-31 Filed 2017-05-01
10-K 2016-12-31 Filed 2017-03-03
10-Q 2016-09-30 Filed 2016-10-31
10-Q 2016-06-30 Filed 2016-07-29
10-Q 2016-03-31 Filed 2016-04-29
10-K 2015-12-31 Filed 2016-03-04
10-Q 2015-09-30 Filed 2015-10-30
10-Q 2015-06-30 Filed 2015-07-31
10-Q 2015-03-31 Filed 2015-05-01
10-K 2014-12-31 Filed 2015-03-06
10-Q 2014-09-30 Filed 2014-10-31
10-Q 2014-06-30 Filed 2014-08-01
10-Q 2014-03-31 Filed 2014-05-02
10-K 2013-12-31 Filed 2014-03-21
10-Q 2013-09-30 Filed 2013-12-20
8-K 2020-03-24 Other Events, Exhibits
8-K 2020-02-25 Other Events, Exhibits
8-K 2020-01-30 Earnings, Exhibits
8-K 2020-01-14 Regulation FD
8-K 2019-12-18 Other Events, Exhibits
8-K 2019-09-17 Other Events, Exhibits
8-K 2019-09-17 Officers, Exhibits
8-K 2019-08-27 Officers, Exhibits
8-K 2019-07-24 Earnings, Exhibits
8-K 2019-06-18 Other Events, Exhibits
8-K 2019-06-14 Regulation FD
8-K 2019-05-30 Other Events, Exhibits
8-K 2019-05-21 Shareholder Vote
8-K 2019-04-23 Earnings, Exhibits
8-K 2019-03-29 Officers, Exhibits
8-K 2019-03-26 Officers, Exhibits
8-K 2019-03-25 Other Events, Exhibits
8-K 2019-03-25 Officers, Exhibits
8-K 2019-03-11 Other Events, Exhibits
8-K 2019-01-30 Earnings, Exhibits
8-K 2018-12-20 Other Events, Exhibits
8-K 2018-11-08 Other Events, Exhibits
8-K 2018-10-23 Earnings, Exhibits
8-K 2018-09-25 Officers, Exhibits
8-K 2018-09-18 Other Events, Exhibits
8-K 2018-09-14 Regulation FD
8-K 2018-07-31 Earnings, Exhibits
8-K 2018-07-24 Officers, Exhibits
8-K 2018-07-02 Other Events
8-K 2018-06-19 Other Events
8-K 2018-06-19 Other Events, Exhibits
8-K 2018-05-15 Shareholder Vote
8-K 2018-04-24 Earnings, Exhibits
8-K 2018-04-03 Officers, Exhibits
8-K 2018-03-20 Other Events, Exhibits
8-K 2018-03-02 Officers, Exhibits
8-K 2018-02-20 Other Events, Exhibits
8-K 2018-01-30 Earnings, Exhibits

Waterstone Financial Financials

WSBF Metrics, Comps, Filings

Quarterly | Annual

Business

- Statements of our goals, intentions and expectations; - Statements regarding our business plans, prospects, growth and operating strategies; - Statements regarding the quality of our loan and investment portfolio; - Estimates of our risks and future costs and benefits.

See also the factors regarding future operations discussed in "Management's Discussion and Analysis of Financial Condition and Results of Operations" and "Risk Factors" below.

Waterstone Financial, Inc., a Maryland corporation ("New Waterstone"), was organized in 2013. Upon completion of the mutual-to-stock conversion of Lamplighter Financial, MHC in 2014, New Waterstone became the holding company of WaterStone Bank SSB and succeeded to all of the business and operations of Waterstone Financial, Inc., a Federal corporation ("Waterstone-Federal") and each of Waterstone-Federal and Lamplighter Financial, MHC ceased to exist. In this report, we refer to WaterStone Bank SSB, our wholly owned subsidiary, both before and after the reorganization, as "WaterStone Bank" or the "Bank."


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Quarterly)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Quarterly)

Operating, Investing, Financing

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Dime Community Bancshares (DCOM) 775 0% 5.3 1% 6,425 5,816 4 0 42 124 662
Access National (ANCX) 571 0% 8.5 1% 3,021 2,579 9 0 27 53 446
First Defiance Financial (FDEF) 575 5.2 1% 3,351 2,933 0 0 49 90 463
Sterling Bancorp (SBT) 518 2.7 2% 3,322 2,971 0 0 59 136 371
Waterstone Financial (WSBF) 460 16.2 1% 2,005 1,618 0 0 27 56 910
HomeTrust Bancshares (HTBI) 463 0% 5.0 1% 3,655 3,242 8 0 28 69 346
Farmers & Merchants Bancorp (FMAO) 314 5.9 1% 1,575 1,347 0 0 17 34 200
Territorial Bancorp (TBNK) 282 0% 5.3 1% 2,086 1,840 2 0 23 48 253
Provident Bancorp (PVBC) 258 13.7 1% 1,031 899 0 0 10 23 311
PDL Community Bancorp (PDLB) 257 13.5 0% 1,100 939 0 0 3 15 209
Northrim Bancorp (NRIM) 277 0% 5.5 1% 1,617 1,413 3 0 21 33 185
Western New England Bancorp (WNEB) 254 0% 11.2 1% 2,174 1,942 0 0 14 41 460
BCB Bancorp (BCBP) 215 -2.4 1% 2,825 2,602 0 0 20 67 -162
Codorus Valley Bancorp (CVLY) 231 4.5 1% 1,869 1,680 0 0 18 45 200
BankFinancial (BFIN) 186 0% 1.3 1% 1,492 1,318 3 0 16 35 45
First Guaranty Bancshares (FGBI) 189 5.2 1% 1,805 1,643 0 0 10 37 189
Riverview Bancorp (RVSB) 174 5.7 1% 1,173 1,030 0 0 17 27 153
Malvern Bancorp (MLVF) 171 0% 0.6 1% 1,265 1,123 2 0 9 31 17
First Capital (FCAP) 198 0% 13.3 1% 823 726 4 0 10 15 198
Provident Financial (PROV) 157 7.8 0% 1,105 983 0 0 5 13 102

Balance Sheet ($MM)2013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash42922911314117314248130100123825447751309349837859861057066
Accounts Receivable
Inventory
PP&E492727265125252549252524502423235123232253242525
Assets1,9471,7651,8021,7991,7831,7661,7371,7451,7631,7381,7991,7951,7911,7271,8861,8541,8061,8391,8771,9191,9151,9292,0152,005
Accounts Payable
Long-Term Debt434434434434434384444434441396415378387335498436386434433451435448519516
Liabilities1,7331,2981,3441,3511,3331,3171,3361,3541,3711,3441,3991,3851,3801,3121,4781,4421,3941,4421,4731,5151,5161,5441,6281,618
Stockholders' Equity214467458449450449401391392393401410411415408412412397404405400384387387
Income Statement ($MM)2013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax1231233235645553233234
Net Income245235534886797379971011
Cash Flow ($MM)2013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash Operating-3-492921-37-2974-2156-3105323420-5-3818-11630
Cash Investing-12-9422828-266-24-3-11-11-27-30-14-27-839-11
Cash Financing-18627-3-17-22-39215-31-13-67-42-48292727-272-22