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Income Statement (NONE)
| Q4 '25 | QoQ | |
|---|---|---|
| Revenue | 54M | 6.1% |
| Gross Profit | 38M | 3.8% |
| Cost of Revenue | 14M | 4.8% |
| Operating expense | 28M | 4.5% |
| Net Income | 7.7M | 2.7% |
| EBITDA | 10M | 3.7% |
Balance Sheet (NONE)
| Q4 '25 | QoQ | |
|---|---|---|
| Total Assets | 2.26B | 0.4% |
| Total Liabilities | 1.91B | 0.7% |
| Total Equity | 349M | 1.1% |
| Shares Outstanding | 18M | 2.7% |
Cash Flow (NONE)
| Q4 '25 | QoQ |
|---|
EPS
Financial Highlights for Waterstone Financial in Q4 '25
Waterstone Financial reported a revenue of 54M, which is a 6.1% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 38M, marking a 3.8% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 14M, a -4.8% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 28M, showing a 4.5% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 7.7M, showing a -2.7% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 10M, showing a -3.7% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
Waterstone Financial faced some challenges this quarter with a decline in one or more of the key metrics: revenue, gross profit, or net income. Higher operating expenses might indicate increased investments or potential inefficiencies. A decline in EBITDA signals potential operational challenges or increased costs.
