Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $25.5M | $26.0M | $30.8M | $35.9M | $81.1M | $70.8M | $19.5M | $9.38M | $18.7M | $26.4M |
| EPS (diluted) | $0.93 | $0.93 | $1.11 | $1.37 | $3.30 | $2.96 | $0.89 | $0.46 | $1.01 | $1.48 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$24.1M | $107M | $41.5M | -$40.2M | -$93.6M | $142M | $207M | -$27.6M | $48.1M | $24.2M |
| Capital expenditures | $1.08M | $1.58M | $3.96M | $3.11M | $1.23M | $778K | $701K | $700K | $1.10M | $1.17M |
| Free cash flow | -$25.1M | $106M | $37.5M | -$43.3M | -$94.8M | $141M | $206M | -$28.3M | $47.0M | $23.0M |
| Share buybacks | $3.86M | $2.19M | $19.2M | $22.8M | $36.2M | $10.2M | $47.8M | $26.0M | $14.9M | $16.2M |
| Dividends paid | $6.92M | $27.0M | $27.1M | $26.0M | $31.5M | $30.4M | $30.3M | $15.4M | $11.3M | $10.8M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $47.2M | $48.6M | $86.1M | $74.3M | $94.8M | $377M | — | — | — | — |
| Total assets | $1.79B | $1.81B | $1.92B | $2.00B | $2.18B | $2.22B | $2.03B | $2.21B | $2.21B | $2.26B |
| Total liabilities | $1.38B | $1.39B | $1.52B | $1.60B | $1.77B | $1.78B | $1.66B | $1.87B | $1.87B | $1.91B |
| Long-term debt | $387M | $386M | $435M | $484M | $508M | $477M | $387M | $611M | $447M | $412M |
| Shareholders' equity | $411M | $412M | $400M | $394M | $413M | $433M | $370M | $344M | $339M | $349M |
| Retained earnings | $185M | $183M | $187M | $197M | $245M | $273M | $274M | $270M | $277M | $293M |
| Shares (wtd avg diluted) | 27.4M | 27.9M | 27.6M | 26.2M | 24.6M | 23.9M | 22.0M | 20.2M | 18.6M | 17.9M |
Every figure is extracted from Waterstone Financial, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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