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20.51
+3.27%
Close of 9 Nov 2026, in USD
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About Waterstone Financial
From its filings with the US Securities and Exchange Commission
Waterstone Financial is based in Wauwatosa, Wisconsin and is incorporated in Maryland. Its shares trade on Nasdaq under the ticker WSBF. The SEC classifies its business as savings institution, federally chartered. In the fiscal year to 31 December 2025, it reported net income of $26.4m. At that date it held total assets of $2.26bn and shareholders' equity of $349.4m.
Company facts
- Sector
- Financials
- Industry
- Thrifts & Mortgage Finance
- Listed since
- 5 Oct 2005
- Employees
- 593
- Head office
- 11200 WEST PLANK COURT, WAUWATOSA, WI, 53226
- Incorporated in
- MD
- Classification
- Savings Institution, Federally Chartered
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Patrick LawtonIndependent Chairman of the Board$97,500
- Mr. William BrussPresident, Chief Executive Officer of Chief Executive Officer of Waterstone Financial and WaterStone Bank$714,583
- Mr. Mark GerkeChief Financial Officer, Executive Vice President, Chief Accounting Officer of Waterstone Financial and WaterStone Bank$499,482
- Mr. Jeffrey McguinessChief Executive Officer and President of Waterstone Mortgage Corporation$577,267
- Ms. Julie GlynnExecutive Vice President, Chief Retail Officer of WaterStone Bank, Senior Vice President - District Manager of Associated Bank$449,934
- Mr. Ryan GordonExecutive Vice President, Chief Credit Officer$446,617
- Mr. Douglas GordonDirector, since 2005$872,000
- Ms. Molly MulroyDirector
- Ms. Laura PiotrowskiDirector
- Ms. Ellen BartelIndependent Director$75,000
- Mr. Michael HansenIndependent Director$88,500
- Mr. Stephen SchmidtIndependent Director$75,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 38
- Environment
- 6
- Social
- 53
- Governance
- 56
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Reputation: Waterstone Financial Inc has built a strong reputation in the financial industry over the years, providing stability and reliability to its customers.
- Diversified Product Portfolio: The company offers a wide range of financial products and services, including mortgage lending, commercial real estate lending, and consumer banking, which helps in attracting a diverse customer base.
- Strong Financial Position: Waterstone Financial Inc boasts strong financials, with healthy growth rates and consistent profitability. This allows them to invest in new opportunities and withstand economic downturns.
Weaknesses
- Limited Geographic Presence: Waterstone Financial Inc primarily operates in a specific region, which exposes them to regional economic fluctuations. This lack of diversification can pose challenges during times of economic uncertainty.
- Dependence on Mortgage Lending: The company heavily relies on mortgage lending as a significant portion of their revenue. This dependency on a single product line can make them vulnerable to changes in interest rates and housing market conditions.
- Limited Brand Recognition: Compared to larger national financial institutions, Waterstone Financial Inc has relatively low brand recognition, which can hinder their ability to compete for market share with larger players.
Opportunities
- Expansion into New Markets: Waterstone Financial Inc can explore opportunities to expand its presence into new geographic markets, thereby diversifying their revenue streams and reducing exposure to regional risks.
- Technological Advancements: By embracing innovative technologies and digital banking solutions, the company can enhance its efficiency, attract tech-savvy customers, and streamline operations.
- Growing Demand for Mortgage Services: With the increasing demand for mortgage services, Waterstone Financial Inc can capitalize on this trend by developing specialized mortgage products and expanding its market share.
Threats
- Intense Competition: The financial industry is highly competitive, with both traditional banks and emerging fintech companies vying for customers. Waterstone Financial Inc faces the threat of losing market share to more established and innovative competitors.
- Economic Volatility: Fluctuations in the economy, interest rates, and housing market conditions can significantly impact the company's profitability and the demand for its products. This volatility poses a constant threat to their operations.
- Regulatory Challenges: Waterstone Financial Inc operates in a heavily regulated industry, and compliance with changing regulations can be both costly and time-consuming. Failure to adhere to these regulations poses legal and reputational risks for the company.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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