Waterstone Financial (WSBF) Net Margin (2012 - 2026)
Waterstone Financial's (WSBF) quarterly Net Margin came in at 19.26% in Q1 2026, down 221.0% YoY from 15.92% in Q1 2025, and up 115.94% on a QoQ basis from 8.92% in Q4 2025.
Waterstone Financial (WSBF) Net Margin (2012 - 2026) Analysis & Trends
Waterstone Financial (WSBF) has 15 years of Net Margin data on file, last reported at 19.26% in Q1 2026.
- Quarterly Net Margin fell 221.0% year-over-year to 19.26% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 19.74% (up 36.0% YoY) and the FY2025 annual result came in at 18.91%, up 509.0% from the prior year.
- Net Margin improved to 19.26% in Q1 2026, from 8.92% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 77.08% in Q2 2025 to a low of 0.14% in Q4 2023.
- A 5-year average of 21.92% and a median of 13.88% in 2024 frame the typical range for Net Margin.
- Annual changes were most pronounced in 2022 — Net Margin sank 10023 bps — and 2025, when it jumped 3347 bps.
- Tracing WSBF's Net Margin over 5 years: stood at 2.87% in 2022, then tumbled by 105 bps to 0.14% in 2023, then surged by 10840 bps to 15.0% in 2024, then slumped by 41 bps to 8.92% in 2025, then jumped by 116 bps to 19.26% in 2026.
- The last three Net Margin figures came in at 19.26% (Q1 2026), 8.92% (Q4 2025), and 47.35% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.94 Bn | 84.74 Bn | - | - |
| 2 | Pnc Financial Services | 97.95 Bn | 97.95 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.10 Bn | 96.10 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.90 Bn | -144.19 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.17 Bn | -81.15 Bn | - | 25.60% |
| 7 | Nu Holdings | 71.43 Bn | 57.74 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.67 Bn | 61.67 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.69 Bn | 25.96 Bn | - | 23.30% |
| 10 | Waterstone Financial | 359.39 Mn | 318.32 Mn | - | 21.02% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 23.81% |
| Mar 31, 2026 | 19.26% |
| Dec 31, 2025 | 8.92% |
| Sep 30, 2025 | 47.35% |
| Jun 30, 2025 | 77.08% |
| Mar 31, 2025 | 21.48% |
| Dec 31, 2024 | 15.00% |
| Sep 30, 2024 | 13.88% |
| Jun 30, 2024 | 43.74% |
| Mar 31, 2024 | 9.83% |
| Dec 31, 2023 | -0.14% |
| Sep 30, 2023 | 9.51% |
| Jun 30, 2023 | 26.11% |
| Mar 31, 2023 | 6.85% |
| Dec 31, 2022 | 2.87% |
| Sep 30, 2022 | 12.31% |
| Jun 30, 2022 | 45.83% |
| Mar 31, 2022 | 12.69% |
| Dec 31, 2021 | 22.75% |
| Sep 30, 2021 | 112.55% |