Waterstone Financial Inc (WSBF)
Earnings
Annual and quarterly EPS data presented alongside analyst estimates, earnings surprises, and historical growth statistics. The side-by-side view of reported versus estimated EPS — combined with surprise percentage and report timing — allows investors to assess whether a company consistently beats, meets, or misses market expectations, and how that track record has evolved across full economic cycles.
Earnings annual
Fiscal date endingReported EPS
Dec 31, 2005
-0.0195
Dec 31, 2006
0.2219
Dec 31, 2007
0.042
Dec 31, 2008
-0.75
Dec 31, 2009
-0.25
Dec 31, 2010
-0.0621
Dec 31, 2011
-0.23
Dec 31, 2012
1.0157
Dec 31, 2013
0.4264
Dec 31, 2014
0.3747
Dec 31, 2015
0.5544
Dec 31, 2016
0.93
Dec 31, 2017
1.05
Dec 31, 2018
1.11
Dec 31, 2019
1.37
Dec 31, 2020
3.37
Dec 31, 2021
2.95
Dec 31, 2022
0.88
Dec 31, 2023
0.46
Dec 31, 2024
1.0067
Dec 31, 2025
1.4852
Mar 31, 2026
0.3441
Jun 30, 2026
0.8341
Calculation
Average
0.744
Maximum
Dec 31, 2020
3.37
Minimum
Dec 31, 2008
-0.75
Median
Dec 31, 2015
0.5544
Earnings quarterly
| Fiscal date ending | Dec 31, 2005 |
| Reported date | Dec 31, 2005 |
| Report time | PRE_MARKET |
| Reported EPS | -0.0195 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2006 |
| Reported date | Mar 31, 2006 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0746 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2006 |
| Reported date | Jun 30, 2006 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0594 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2006 |
| Reported date | Sep 30, 2006 |
| Report time | PRE_MARKET |
| Reported EPS | 0.025 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Dec 31, 2006 |
| Reported date | Feb 7, 2007 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0629 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2007 |
| Reported date | May 30, 2007 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0581 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2007 |
| Reported date | Aug 29, 2007 |
| Report time | PRE_MARKET |
| Reported EPS | -0.0361 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2007 |
| Reported date | Nov 9, 2007 |
| Report time | POST_MARKET |
| Reported EPS | 0.01 |
| Estimated EPS | 0.04 |
| Surprise | -0.03 |
| Surprise (%) | -75% |
| Fiscal date ending | Dec 31, 2007 |
| Reported date | Mar 17, 2008 |
| Report time | POST_MARKET |
| Reported EPS | 0.01 |
| Estimated EPS | 0.01 |
| Surprise | 0 |
| Surprise (%) | 0% |
| Fiscal date ending | Mar 31, 2008 |
| Reported date | May 12, 2008 |
| Report time | PRE_MARKET |
| Reported EPS | 0.02 |
| Estimated EPS | 0.01 |
| Surprise | 0.01 |
| Surprise (%) | 100% |
| Fiscal date ending | Jun 30, 2008 |
| Reported date | Aug 8, 2008 |
| Report time | POST_MARKET |
| Reported EPS | -0.07 |
| Estimated EPS | 0.02 |
| Surprise | -0.09 |
| Surprise (%) | -450% |
| Fiscal date ending | Sep 30, 2008 |
| Reported date | Nov 7, 2008 |
| Report time | PRE_MARKET |
| Reported EPS | -0.8 |
| Estimated EPS | -0.08 |
| Surprise | -0.72 |
| Surprise (%) | -900% |
| Fiscal date ending | Dec 31, 2008 |
| Reported date | Mar 11, 2009 |
| Report time | PRE_MARKET |
| Reported EPS | 0.1 |
| Estimated EPS | -0.02 |
| Surprise | 0.12 |
| Surprise (%) | 600% |
| Fiscal date ending | Mar 31, 2009 |
| Reported date | May 8, 2009 |
| Report time | POST_MARKET |
| Reported EPS | -0.11 |
| Estimated EPS | -0.02 |
| Surprise | -0.09 |
| Surprise (%) | -450% |
| Fiscal date ending | Jun 30, 2009 |
| Reported date | Aug 6, 2009 |
| Report time | POST_MARKET |
| Reported EPS | 0.06 |
| Estimated EPS | 0.06 |
| Surprise | 0 |
| Surprise (%) | 0% |
| Fiscal date ending | Sep 30, 2009 |
| Reported date | Nov 9, 2009 |
| Report time | POST_MARKET |
| Reported EPS | -0.11 |
| Estimated EPS | 0.05 |
| Surprise | -0.16 |
| Surprise (%) | -320% |
| Fiscal date ending | Dec 31, 2009 |
| Reported date | Feb 12, 2010 |
| Report time | POST_MARKET |
| Reported EPS | -0.09 |
| Estimated EPS | 0.01 |
| Surprise | -0.1 |
| Surprise (%) | -1000% |
| Fiscal date ending | Mar 31, 2010 |
| Reported date | May 7, 2010 |
| Report time | POST_MARKET |
| Reported EPS | 0.01 |
| Estimated EPS | -0.01 |
| Surprise | 0.02 |
| Surprise (%) | 200% |
| Fiscal date ending | Jun 30, 2010 |
| Reported date | Aug 6, 2010 |
| Report time | POST_MARKET |
| Reported EPS | -0.04 |
| Estimated EPS | 0.01 |
| Surprise | -0.05 |
| Surprise (%) | -500% |
| Fiscal date ending | Sep 30, 2010 |
| Reported date | Nov 5, 2010 |
| Report time | POST_MARKET |
| Reported EPS | -0.02 |
| Estimated EPS | 0.01 |
| Surprise | -0.03 |
| Surprise (%) | -300% |
| Fiscal date ending | Dec 31, 2010 |
| Reported date | Mar 16, 2011 |
| Report time | PRE_MARKET |
| Reported EPS | -0.0121 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2011 |
| Reported date | May 6, 2011 |
| Report time | POST_MARKET |
| Reported EPS | -0.05 |
| Estimated EPS | -0.03 |
| Surprise | -0.02 |
| Surprise (%) | -66.6667% |
| Fiscal date ending | Jun 30, 2011 |
| Reported date | Aug 5, 2011 |
| Report time | POST_MARKET |
| Reported EPS | -0.02 |
| Estimated EPS | -0.05 |
| Surprise | 0.03 |
| Surprise (%) | 60% |
| Fiscal date ending | Sep 30, 2011 |
| Reported date | Nov 4, 2011 |
| Report time | POST_MARKET |
| Reported EPS | -0.01 |
| Estimated EPS | 0.01 |
| Surprise | -0.02 |
| Surprise (%) | -200% |
| Fiscal date ending | Dec 31, 2011 |
| Reported date | Mar 9, 2012 |
| Report time | POST_MARKET |
| Reported EPS | -0.15 |
| Estimated EPS | 0.02 |
| Surprise | -0.17 |
| Surprise (%) | -850% |
| Fiscal date ending | Mar 31, 2012 |
| Reported date | May 4, 2012 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0653 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2012 |
| Reported date | Aug 3, 2012 |
| Report time | PRE_MARKET |
| Reported EPS | 0.1802 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2012 |
| Reported date | Nov 2, 2012 |
| Report time | PRE_MARKET |
| Reported EPS | 0.2462 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Dec 31, 2012 |
| Reported date | Mar 1, 2013 |
| Report time | PRE_MARKET |
| Reported EPS | 0.524 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2013 |
| Reported date | May 10, 2013 |
| Report time | PRE_MARKET |
| Reported EPS | 0.1342 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2013 |
| Reported date | Jul 30, 2013 |
| Report time | PRE_MARKET |
| Reported EPS | 0.1428 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2013 |
| Reported date | Oct 30, 2013 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0932 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Dec 31, 2013 |
| Reported date | Mar 17, 2014 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0562 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2014 |
| Reported date | May 2, 2014 |
| Report time | PRE_MARKET |
| Reported EPS | 0.0545 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2014 |
| Reported date | Aug 1, 2014 |
| Report time | PRE_MARKET |
| Reported EPS | 0.1099 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2014 |
| Reported date | Oct 24, 2014 |
| Report time | POST_MARKET |
| Reported EPS | 0.1432 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Dec 31, 2014 |
| Reported date | Mar 6, 2015 |
| Report time | POST_MARKET |
| Reported EPS | 0.0671 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2015 |
| Reported date | Apr 24, 2015 |
| Report time | POST_MARKET |
| Reported EPS | 0.091 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2015 |
| Reported date | Jul 24, 2015 |
| Report time | POST_MARKET |
| Reported EPS | 0.1723 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2015 |
| Reported date | Oct 23, 2015 |
| Report time | POST_MARKET |
| Reported EPS | 0.1868 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Dec 31, 2015 |
| Reported date | Feb 26, 2016 |
| Report time | POST_MARKET |
| Reported EPS | 0.1043 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2016 |
| Reported date | Apr 22, 2016 |
| Report time | POST_MARKET |
| Reported EPS | 0.14 |
| Estimated EPS | 0.1 |
| Surprise | 0.04 |
| Surprise (%) | 40% |
| Fiscal date ending | Jun 30, 2016 |
| Reported date | Jul 22, 2016 |
| Report time | POST_MARKET |
| Reported EPS | 0.29 |
| Estimated EPS | 0.21 |
| Surprise | 0.08 |
| Surprise (%) | 38.0952% |
| Fiscal date ending | Sep 30, 2016 |
| Reported date | Oct 28, 2016 |
| Report time | POST_MARKET |
| Reported EPS | 0.27 |
| Estimated EPS | 0.27 |
| Surprise | 0 |
| Surprise (%) | 0% |
| Fiscal date ending | Dec 31, 2016 |
| Reported date | Feb 24, 2017 |
| Report time | POST_MARKET |
| Reported EPS | 0.23 |
| Estimated EPS | 0.19 |
| Surprise | 0.04 |
| Surprise (%) | 21.0526% |
| Fiscal date ending | Mar 31, 2017 |
| Reported date | Apr 28, 2017 |
| Report time | POST_MARKET |
| Reported EPS | 0.24 |
| Estimated EPS | 0.18 |
| Surprise | 0.06 |
| Surprise (%) | 33.3333% |
| Fiscal date ending | Jun 30, 2017 |
| Reported date | Jul 26, 2017 |
| Report time | POST_MARKET |
| Reported EPS | 0.32 |
| Estimated EPS | 0.3 |
| Surprise | 0.02 |
| Surprise (%) | 6.6667% |
| Fiscal date ending | Sep 30, 2017 |
| Reported date | Oct 24, 2017 |
| Report time | POST_MARKET |
| Reported EPS | 0.28 |
| Estimated EPS | 0.29 |
| Surprise | -0.01 |
| Surprise (%) | -3.4483% |
| Fiscal date ending | Dec 31, 2017 |
| Reported date | Jan 30, 2018 |
| Report time | POST_MARKET |
| Reported EPS | 0.21 |
| Estimated EPS | 0.21 |
| Surprise | 0 |
| Surprise (%) | 0% |
| Fiscal date ending | Mar 31, 2018 |
| Reported date | Apr 24, 2018 |
| Report time | POST_MARKET |
| Reported EPS | 0.25 |
| Estimated EPS | 0.21 |
| Surprise | 0.04 |
| Surprise (%) | 19.0476% |
| Fiscal date ending | Jun 30, 2018 |
| Reported date | Jul 31, 2018 |
| Report time | POST_MARKET |
| Reported EPS | 0.34 |
| Estimated EPS | 0.32 |
| Surprise | 0.02 |
| Surprise (%) | 6.25% |
| Fiscal date ending | Sep 30, 2018 |
| Reported date | Oct 23, 2018 |
| Report time | POST_MARKET |
| Reported EPS | 0.31 |
| Estimated EPS | 0.28 |
| Surprise | 0.03 |
| Surprise (%) | 10.7143% |
| Fiscal date ending | Dec 31, 2018 |
| Reported date | Jan 30, 2019 |
| Report time | POST_MARKET |
| Reported EPS | 0.21 |
| Estimated EPS | 0.24 |
| Surprise | -0.03 |
| Surprise (%) | -12.5% |
| Fiscal date ending | Mar 31, 2019 |
| Reported date | Apr 23, 2019 |
| Report time | POST_MARKET |
| Reported EPS | 0.24 |
| Estimated EPS | 0.19 |
| Surprise | 0.05 |
| Surprise (%) | 26.3158% |
| Fiscal date ending | Jun 30, 2019 |
| Reported date | Jul 24, 2019 |
| Report time | POST_MARKET |
| Reported EPS | 0.37 |
| Estimated EPS | 0.3 |
| Surprise | 0.07 |
| Surprise (%) | 23.3333% |
| Fiscal date ending | Sep 30, 2019 |
| Reported date | Oct 23, 2019 |
| Report time | POST_MARKET |
| Reported EPS | 0.42 |
| Estimated EPS | 0.31 |
| Surprise | 0.11 |
| Surprise (%) | 35.4839% |
| Fiscal date ending | Dec 31, 2019 |
| Reported date | Mar 13, 2020 |
| Report time | POST_MARKET |
| Reported EPS | 0.34 |
| Estimated EPS | 0.25 |
| Surprise | 0.09 |
| Surprise (%) | 36% |
| Fiscal date ending | Mar 31, 2020 |
| Reported date | Apr 28, 2020 |
| Report time | POST_MARKET |
| Reported EPS | 0.27 |
| Estimated EPS | 0.31 |
| Surprise | -0.04 |
| Surprise (%) | -12.9032% |
| Fiscal date ending | Jun 30, 2020 |
| Reported date | Jul 27, 2020 |
| Report time | POST_MARKET |
| Reported EPS | 0.85 |
| Estimated EPS | 0.36 |
| Surprise | 0.49 |
| Surprise (%) | 136.1111% |
| Fiscal date ending | Sep 30, 2020 |
| Reported date | Oct 26, 2020 |
| Report time | POST_MARKET |
| Reported EPS | 1.08 |
| Estimated EPS | 0.55 |
| Surprise | 0.53 |
| Surprise (%) | 96.3636% |
| Fiscal date ending | Dec 31, 2020 |
| Reported date | Jan 28, 2021 |
| Report time | POST_MARKET |
| Reported EPS | 1.17 |
| Estimated EPS | 0.75 |
| Surprise | 0.42 |
| Surprise (%) | 56% |
| Fiscal date ending | Mar 31, 2021 |
| Reported date | Apr 26, 2021 |
| Report time | POST_MARKET |
| Reported EPS | 0.89 |
| Estimated EPS | 0.66 |
| Surprise | 0.23 |
| Surprise (%) | 34.8485% |
| Fiscal date ending | Jun 30, 2021 |
| Reported date | Jul 20, 2021 |
| Report time | POST_MARKET |
| Reported EPS | 0.74 |
| Estimated EPS | 0.62 |
| Surprise | 0.12 |
| Surprise (%) | 19.3548% |
| Fiscal date ending | Sep 30, 2021 |
| Reported date | Oct 19, 2021 |
| Report time | POST_MARKET |
| Reported EPS | 0.79 |
| Estimated EPS | 0.61 |
| Surprise | 0.18 |
| Surprise (%) | 29.5082% |
| Fiscal date ending | Dec 31, 2021 |
| Reported date | Jan 27, 2022 |
| Report time | POST_MARKET |
| Reported EPS | 0.53 |
| Estimated EPS | 0.48 |
| Surprise | 0.05 |
| Surprise (%) | 10.4167% |
| Fiscal date ending | Mar 31, 2022 |
| Reported date | Apr 21, 2022 |
| Report time | POST_MARKET |
| Reported EPS | 0.23 |
| Estimated EPS | 0.3 |
| Surprise | -0.07 |
| Surprise (%) | -23.3333% |
| Fiscal date ending | Jun 30, 2022 |
| Reported date | Jul 21, 2022 |
| Report time | POST_MARKET |
| Reported EPS | 0.36 |
| Estimated EPS | 0.37 |
| Surprise | -0.01 |
| Surprise (%) | -2.7027% |
| Fiscal date ending | Sep 30, 2022 |
| Reported date | Oct 26, 2022 |
| Report time | POST_MARKET |
| Reported EPS | 0.25 |
| Estimated EPS | 0.29 |
| Surprise | -0.04 |
| Surprise (%) | -13.7931% |
| Fiscal date ending | Dec 31, 2022 |
| Reported date | Jan 26, 2023 |
| Report time | POST_MARKET |
| Reported EPS | 0.04 |
| Estimated EPS | 0.15 |
| Surprise | -0.11 |
| Surprise (%) | -73.3333% |
| Fiscal date ending | Mar 31, 2023 |
| Reported date | Apr 25, 2023 |
| Report time | POST_MARKET |
| Reported EPS | 0.1 |
| Estimated EPS | 0.08 |
| Surprise | 0.02 |
| Surprise (%) | 25% |
| Fiscal date ending | Jun 30, 2023 |
| Reported date | Jul 25, 2023 |
| Report time | POST_MARKET |
| Reported EPS | 0.2 |
| Estimated EPS | 0.27 |
| Surprise | -0.07 |
| Surprise (%) | -25.9259% |
| Fiscal date ending | Sep 30, 2023 |
| Reported date | Oct 24, 2023 |
| Report time | POST_MARKET |
| Reported EPS | 0.16 |
| Estimated EPS | 0.23 |
| Surprise | -0.07 |
| Surprise (%) | -30.4348% |
| Fiscal date ending | Dec 31, 2023 |
| Reported date | Feb 1, 2024 |
| Report time | PRE_MARKET |
| Reported EPS | 0 |
| Estimated EPS | 0.18 |
| Surprise | -0.18 |
| Surprise (%) | -100% |
| Fiscal date ending | Mar 31, 2024 |
| Reported date | Apr 30, 2024 |
| Report time | POST_MARKET |
| Reported EPS | 0.1596 |
| Estimated EPS | 0.13 |
| Surprise | 0.0296 |
| Surprise (%) | 22.7692% |
| Fiscal date ending | Jun 30, 2024 |
| Reported date | Jul 25, 2024 |
| Report time | POST_MARKET |
| Reported EPS | 0.3076 |
| Estimated EPS | 0.26 |
| Surprise | 0.0476 |
| Surprise (%) | 18.3077% |
| Fiscal date ending | Sep 30, 2024 |
| Reported date | Oct 22, 2024 |
| Report time | POST_MARKET |
| Reported EPS | 0.2563 |
| Estimated EPS | 0.3 |
| Surprise | -0.0437 |
| Surprise (%) | -14.5667% |
| Fiscal date ending | Dec 31, 2024 |
| Reported date | Jan 28, 2025 |
| Report time | PRE_MARKET |
| Reported EPS | 0.2832 |
| Estimated EPS | 0.33 |
| Surprise | -0.0468 |
| Surprise (%) | -14.1818% |
| Fiscal date ending | Mar 31, 2025 |
| Reported date | Apr 22, 2025 |
| Report time | PRE_MARKET |
| Reported EPS | 0.1661 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2025 |
| Reported date | Jul 22, 2025 |
| Report time | PRE_MARKET |
| Reported EPS | 0.43 |
| Estimated EPS | 0 |
| Surprise | 0.43 |
| Surprise (%) | % |
| Fiscal date ending | Sep 30, 2025 |
| Reported date | Oct 23, 2025 |
| Report time | POST_MARKET |
| Reported EPS | 0.4485 |
| Estimated EPS | 0 |
| Surprise | 0.4485 |
| Surprise (%) | % |
| Fiscal date ending | Dec 31, 2025 |
| Reported date | Jan 28, 2026 |
| Report time | POST_MARKET |
| Reported EPS | 0.4406 |
| Estimated EPS | 0 |
| Surprise | 0.4406 |
| Surprise (%) | % |
| Fiscal date ending | Mar 31, 2026 |
| Reported date | Apr 23, 2026 |
| Report time | PRE_MARKET |
| Reported EPS | 0.3441 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
| Fiscal date ending | Jun 30, 2026 |
| Reported date | Jul 23, 2026 |
| Report time | PRE_MARKET |
| Reported EPS | 0.49 |
| Estimated EPS | |
| Surprise | 0 |
| Surprise (%) | % |
Calculation
Average
0.202
Maximum
Dec 31, 2020
1.17
Minimum
Sep 30, 2008
-0.8
Median
Sep 30, 2023
0.16