Waterstone Financial (WSBF) Net Margin (2012 - 2026)
Waterstone Financial (WSBF) reported Net Margin of 21.02% for Q2 2026, up 0.71 percentage points from 20.31% a year earlier and up 4.22 percentage points from the prior quarter.
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Analysis
Waterstone Financial (WSBF) Net Margin (2012 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Waterstone Financial's Net Margin came in at 20.05%, up 4.55 percentage points year-over-year; for FY2025, it came in at 18.60%, up 4.81 percentage points from FY2024.
- Net Margin has a five-year change of -8.67 percentage points (FY2020 to FY2025).
- By year, Net Margin came in at 13.79% in FY2024 (+6.66 pp), 7.13% in FY2023 (-4.86 pp), 11.99% in FY2022 (-15.37 pp) and 27.36% in FY2021 (+0.09 pp).
- Five-year quarterly Net Margin spans a low of -0.14% in Q4 2023 and a high of 28.34% in Q3 2021.
- Year over year, Net Margin has now increased in each of the last ten quarters, with an average year-over-year change of +5.73 percentage points over the last eight quarters.
- The high point for year-over-year Net Margin in five years was Q4 2024 (a gain of 16.50 percentage points); the low point was Q4 2022 (a drop of 19.89 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 16.80% (Q1 2026), 20.75% (Q4 2025) and 21.40% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 36.19% |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | - |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 27.72% |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 25.46% |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 32.50% |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 31.46% |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 27.23% |
| 10 | Waterstone Financial | 353.39 Mn | 145.66 Mn | - | 21.02% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 21.02% |
| Mar 31, 2026 | 16.80% |
| Dec 31, 2025 | 20.75% |
| Sep 30, 2025 | 21.40% |
| Jun 30, 2025 | 20.31% |
| Mar 31, 2025 | 10.23% |
| Dec 31, 2024 | 16.36% |
| Sep 30, 2024 | 13.88% |
| Jun 30, 2024 | 15.36% |
| Mar 31, 2024 | 9.38% |
| Dec 31, 2023 | -0.14% |
| Sep 30, 2023 | 9.51% |
| Jun 30, 2023 | 11.07% |
| Mar 31, 2023 | 6.66% |
| Dec 31, 2022 | 2.86% |
| Sep 30, 2022 | 12.31% |
| Jun 30, 2022 | 17.63% |
| Mar 31, 2022 | 12.69% |
| Dec 31, 2021 | 22.75% |
| Sep 30, 2021 | 28.34% |
API Access
Waterstone Financial Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=WSBF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "WSBF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=WSBF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();