Waterstone Financial (WSBF) Stock Analysis & Price (Updated Oct 16, 2026, 4:00 PM ET)
Updated Oct 16, 2026, 4:00 PM ET
- Closed at $19.91, +0.20% vs the prior close of $19.87.
- Volume 40.99K shares, 0.5x its 50-day average (light).
- New SEC filings: 8-K (Oct 16, 2026).
- No new insider buys or sales reported since the prior session.
WSBF ends flat (+0.2%) to $19.91. Closed at $19.91, +0.20% vs the prior close of $19.87. Day range $19.83–$20.16, opened at $19.94.
WSBF daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 16, 2026 — WSBF ends flat (+0.2%) to $19.91
- Closed at $19.91, +0.20% vs the prior close of $19.87. Day range $19.83–$20.16, opened at $19.94.
- Volume was 40.99K shares, 0.5x its 50-day average of 79.68K — lighter than usual.
- Price is -3.5% vs its 50-day average ($20.63) and +4.5% vs its 200-day average ($19.05).
- 52-week range $14.52–$21.66; today's close sits at 75% of that range, 8.1% below the 52-week high.
Oct 15, 2026 — WSBF rises 0.7% to $19.87
- Closed at $19.87, +0.71% vs the prior close of $19.73. Day range $19.81–$20.18, opened at $19.86.
- Volume was 76.90K shares, 1.0x its 50-day average of 78.89K.
- Price is -3.8% vs its 50-day average ($20.64) and +4.4% vs its 200-day average ($19.04).
- 52-week range $14.52–$21.66; today's close sits at 75% of that range, 8.3% below the 52-week high.
Oct 14, 2026 — WSBF dips 0.3% to $19.73
- Closed at $19.73, -0.30% vs the prior close of $19.79. Day range $19.54–$19.94, opened at $19.63.
- Volume was 83.70K shares, 1.1x its 50-day average of 78.28K.
- Price is -4.5% vs its 50-day average ($20.67) and +3.7% vs its 200-day average ($19.02).
- 52-week range $14.52–$21.66; today's close sits at 73% of that range, 8.9% below the 52-week high.
Oct 13, 2026 — WSBF rises 0.4% to $19.79
- Closed at $19.79, +0.41% vs the prior close of $19.71. Day range $19.51–$19.88, opened at $19.77.
- Volume was 66.50K shares, 0.8x its 50-day average of 78.36K.
- Price is -4.4% vs its 50-day average ($20.69) and +4.1% vs its 200-day average ($19.00).
- 52-week range $14.52–$21.66; today's close sits at 74% of that range, 8.6% below the 52-week high.
Oct 12, 2026 — WSBF rises 1.2% to $19.71
- Closed at $19.71, +1.18% vs the prior close of $19.48. Day range $19.35–$19.83, opened at $19.44.
- Volume was 90.60K shares, 1.2x its 50-day average of 77.80K.
- Price is -4.8% vs its 50-day average ($20.71) and +3.8% vs its 200-day average ($18.99).
- 52-week range $14.52–$21.66; today's close sits at 73% of that range, 9.0% below the 52-week high.
Oct 9, 2026 — WSBF dips 0.5% to $19.48, a 1-month low, 5 down days in a row
- Closed at $19.48, -0.51% vs the prior close of $19.58. Day range $19.30–$19.53, opened at $19.53.
- Volume was 76.90K shares, 1.0x its 50-day average of 77.16K.
- Price is -6.0% vs its 50-day average ($20.73) and +2.7% vs its 200-day average ($18.97).
- 52-week range $14.52–$21.66; today's close sits at 69% of that range, 10.1% below the 52-week high.
- That makes 5 straight losses.
Oct 8, 2026 — WSBF ends flat (-0.3%) to $19.58, 4 down days in a row
- Closed at $19.58, -0.25% vs the prior close of $19.63. Day range $19.21–$19.59, opened at $19.34.
- Volume was 63.20K shares, 0.8x its 50-day average of 76.96K.
- Price is -5.6% vs its 50-day average ($20.75) and +3.3% vs its 200-day average ($18.96).
- 52-week range $14.52–$21.66; today's close sits at 71% of that range, 9.6% below the 52-week high.
- That makes 4 straight losses.
Oct 7, 2026 — WSBF dips 1.2% to $19.63, 3 down days in a row
- Closed at $19.63, -1.21% vs the prior close of $19.87. Day range $19.45–$19.72, opened at $19.64.
- Volume was 56.30K shares, 0.7x its 50-day average of 77.09K.
- Price is -5.5% vs its 50-day average ($20.77) and +3.6% vs its 200-day average ($18.94).
- 52-week range $14.52–$21.66; today's close sits at 72% of that range, 9.4% below the 52-week high.
- That makes 3 straight losses.
Oct 6, 2026 — WSBF ends flat (-0.2%) to $19.87
- Closed at $19.87, -0.15% vs the prior close of $19.90. Day range $19.67–$20.02, opened at $19.89.
- Volume was 69.30K shares, 0.9x its 50-day average of 77.02K.
- Price is -4.4% vs its 50-day average ($20.79) and +5.0% vs its 200-day average ($18.93).
- 52-week range $14.52–$21.66; today's close sits at 75% of that range, 8.3% below the 52-week high.
Oct 5, 2026 — WSBF ends flat (-0.2%) to $19.90
- Closed at $19.90, -0.20% vs the prior close of $19.94. Day range $19.66–$20.01, opened at $19.92.
- Volume was 67.00K shares, 0.9x its 50-day average of 77.85K.
- Price is -4.3% vs its 50-day average ($20.79) and +5.2% vs its 200-day average ($18.92).
- 52-week range $14.52–$21.66; today's close sits at 75% of that range, 8.1% below the 52-week high.
Oct 2, 2026 — WSBF rises 2.2% to $19.94
- Closed at $19.94, +2.20% vs the prior close of $19.51. Day range $19.61–$20.00, opened at $19.66.
- Volume was 110.80K shares, 1.4x its 50-day average of 77.07K.
- Price is -4.1% vs its 50-day average ($20.79) and +5.5% vs its 200-day average ($18.90).
- 52-week range $14.52–$21.66; today's close sits at 76% of that range, 7.9% below the 52-week high.
WSBF latest news & SEC filings
Every SEC filing by or about WSBF in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Oct 16, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 5.02 — Change in directors or officers (appointment, departure or pay).
Sep 22, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 8.01 — Reported other events the company considers important.
Aug 17, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Gordon Ryan J sold 1,300 shares at $21.11 (≈$27.44K) on Aug 13, 2026
- Gordon Ryan J sold 6,237 shares at $21.15 (≈$131.91K) on Aug 13, 2026
- Gordon Ryan J sold 620 shares at $21.10 (≈$13.08K) on Aug 13, 2026
- Gordon Ryan J sold 1,300 shares at $21.11 (≈$27.44K) on Aug 13, 2026
- Gordon Ryan J sold 6,237 shares at $21.15 (≈$131.91K) on Aug 13, 2026
- Gordon Ryan J sold 620 shares at $21.10 (≈$13.08K) on Aug 13, 2026
- …plus 6 more transaction lines in the filing.
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 14, 2026 · Form 144 — Planned insider sale
Notice of proposed sale (Form 144) — an insider or affiliate plans to sell restricted or control shares
A notice of intent, not a completed sale. Any actual sale by a director or officer shows up later on Form 4.
Aug 6, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $8.46M (prior year $7.73M) (+9.5% vs Jun 30, 2025)
- Diluted EPS: $0.49 (prior year $0.43) (+14.0% vs Jun 30, 2025)
Jul 23, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jun 23, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 8.01 — Reported other events the company considers important.
Things to know before you trade WSBF
- Last results release: Jul 23, 2026 (8-K Item 2.02). Previous ones: Apr 23, 2026, Jan 28, 2026, Oct 23, 2025. Based on that rhythm, the next report is likely around Oct 22, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 0.77% (largest 2.2%). That is a relatively calm stock.
- Liquidity: about 73.48K shares (≈$1.46M) trade per day on average. Thin volume can mean wider bid/ask spreads.
- 52-week position: $19.91 vs a range of $14.52–$21.66 (75% of the range).
- Dividends: last ex-dividend date Oct 8, 2026 ($0.17/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 0 open-market buys, 25 sales; latest: Ryan J Gordon sold 1,300 shares on Aug 13, 2026.
- Latest filings: 8-K Oct 16, 2026; 8-K Sep 22, 2026; 10-Q Aug 6, 2026.
- Share count: 17.98M shares outstanding (Jul 31, 2026), -3.8% vs a year earlier — the company has been reducing its share count.
- Listing: Nasdaq · industry: Savings Institution, Federally Chartered.
WSBF market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 16, 2026 | 19.94 | 20.16 | 19.83 | 19.91 | 40.99K |
| Oct 15, 2026 | 19.86 | 20.18 | 19.81 | 19.87 | 76.90K |
| Oct 14, 2026 | 19.63 | 19.94 | 19.54 | 19.73 | 83.70K |
| Oct 13, 2026 | 19.77 | 19.88 | 19.51 | 19.79 | 66.50K |
| Oct 12, 2026 | 19.44 | 19.83 | 19.35 | 19.71 | 90.60K |
| Oct 9, 2026 | 19.53 | 19.53 | 19.30 | 19.48 | 76.90K |
| Oct 8, 2026 | 19.34 | 19.59 | 19.21 | 19.58 | 63.20K |
| Oct 7, 2026 | 19.64 | 19.72 | 19.45 | 19.63 | 56.30K |
| Oct 6, 2026 | 19.89 | 20.02 | 19.67 | 19.87 | 69.30K |
| Oct 5, 2026 | 19.92 | 20.01 | 19.66 | 19.90 | 67.00K |
| Oct 2, 2026 | 19.66 | 20.00 | 19.61 | 19.94 | 110.80K |
| Oct 1, 2026 | 19.60 | 19.65 | 19.37 | 19.51 | 57.00K |
| Sep 30, 2026 | 19.97 | 20.08 | 19.52 | 19.66 | 77.90K |
| Sep 29, 2026 | 20.20 | 20.30 | 19.78 | 19.98 | 54.80K |
| Sep 28, 2026 | 20.06 | 20.41 | 20.06 | 20.20 | 58.70K |
| Sep 25, 2026 | 20.30 | 20.52 | 20.25 | 20.39 | 63.10K |
| Sep 24, 2026 | 20.38 | 20.56 | 20.10 | 20.32 | 124.90K |
| Sep 23, 2026 | 20.61 | 20.65 | 20.19 | 20.33 | 64.50K |
| Sep 22, 2026 | 20.78 | 21.15 | 20.66 | 20.74 | 88.50K |
| Sep 21, 2026 | 20.49 | 20.82 | 20.40 | 20.69 | 78.00K |
About Waterstone Financial
Waterstone Financial (WSBF) is listed on the Nasdaq and classified by the SEC under “Savings Institution, Federally Chartered”. Its business address is in WAUWATOSA, WI. State of incorporation: MD. Fiscal year ends December 31. SEC CIK 1569994.
WSBF board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Douglas S Gordon | Director | Feb 20, 2026 |
| Michael L Hansen | Director | Oct 28, 2025 |
| Patrick S Lawton | Director | Feb 5, 2026 |
| Molly A Mulroy | Director | Oct 2, 2025 |
| Laura Ellen Piotrowski | Director | Oct 2, 2025 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Mark Raymond Gerke | EVP/Chief Financial Officer | May 22, 2026 |
| Julie Ann Glynn | EVP/Chief Retail Officer | Feb 4, 2026 |
| Ryan J Gordon | EVP/Chief Credit Officer | Aug 17, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 13, 2026 | Ryan J Gordon | Sale | 1,300 | $21.11 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 6,237 | $21.15 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 620 | $21.10 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 1,300 | $21.11 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 6,237 | $21.15 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 620 | $21.10 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 1,300 | $21.11 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 6,237 | $21.15 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 620 | $21.10 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 1,300 | $21.11 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 6,237 | $21.15 |
| Aug 13, 2026 | Ryan J Gordon | Sale | 620 | $21.10 |
| May 21, 2026 | Mark Raymond Gerke | Sale | 10,000 | $18.34 |
| May 21, 2026 | Mark Raymond Gerke | Sale | 10,000 | $18.34 |
| May 21, 2026 | Mark Raymond Gerke | Sale | 10,000 | $18.34 |
WSBF financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $26.40M | 1.48 | $24.18M |
| Dec 31, 2024 | — | $18.69M | 1.01 | $48.06M |
| Dec 31, 2023 | — | $9.38M | 0.46 | $-27.58M |
| Dec 31, 2022 | — | $19.49M | 0.89 | $206.66M |
| Dec 31, 2021 | — | $70.79M | 2.96 | $142.01M |
Latest balance sheet: total assets $2.25B, total liabilities $1.90B, cash $104.83M (as of Jun 30, 2026).
WSBF earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 23, 2026 | 8-K Item 2.02 (results) | $19.45 |
| Apr 23, 2026 | 8-K Item 2.02 (results) | $17.97 |
| Jan 28, 2026 | 8-K Item 2.02 (results) | $17.03 |
| Oct 23, 2025 | 8-K Item 2.02 (results) | $14.81 |
| Jul 22, 2025 | 8-K Item 2.02 (results) | $13.64 |
| Apr 22, 2025 | 8-K Item 2.02 (results) | $12.40 |
| Jan 28, 2025 | 8-K Item 2.02 (results) | $13.38 |
| Oct 22, 2024 | 8-K Item 2.02 (results) | $14.87 |
| Jul 25, 2024 | 8-K Item 2.02 (results) | — |
| Apr 30, 2024 | 8-K Item 2.02 (results) | — |
| Jan 30, 2024 | 8-K Item 2.02 (results) | — |
| Oct 24, 2023 | 8-K Item 2.02 (results) | — |
Related stocks · Savings Institution, Federally Chartered
Hsbc (HSBC)Eastern Bankshares (EBC)Columbia Financial (CLBK)BankUnited (BKU)Axos Financial (AX)Provident Financial Services (PFS)TFS Financial (TFSL)Capitol Federal Financial (CFFN)HomeTrust Bancshares (HTB)Kearny Financial (KRNY)
Popular today
Spdr S&P 500 Etf (SPY)Micron Technology (MU)Nvidia (NVDA)Meta Platforms (META)Sandisk (SNDK)AMD (AMD)Space Exploration Technologies (SPCX)Tesla (TSLA)Apple (AAPL)Intel (INTC)Microsoft (MSFT)Amazon (AMZN)
More on WSBF
Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 16, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.