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WSBF · Waterstone Financial, Inc.
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WSBF Waterstone Financial (WSBF) Insider Trading, Ownership & Congress Trades

Banks · Savings institution, federally chartered · CIK 0001569994
Quote by TradingView
Form 144 · 1
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter
Conversions, 180 days
2
Codes C/M, not in net · $321.8K priced

What the filings say about WSBF

Insiders, 180 days
-$355.8K net sold
2 sellers · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$172.4K
1 notice

Waterstone Financial insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, Waterstone Financial, Inc. insiders sold a net $355.8K of stock across 354 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.

Insider
Filed
Shares
Value
Since filing
Gordon Ryan J
EVP/Chief Credit Officer
SELL
2026-08-17 SECtraded 2026-08-13
620
$13.1K
-6.5%
Context
  • First Form 4 purchase or sale (code P or S) here by this insider on our record.
  • The trade is 3.2% of the 19,148 shares held after it.
  • No other insider sold within 30 days.
Insider activity: EVP/Chief Credit Officer Gordon Ryan J sold about $13.1K of WSBF on Aug 13, 2026.
Gordon Ryan J
EVP/Chief Credit Officer
SELL
2026-08-17 SECtraded 2026-08-13
1,300
$27.4K
-6.5%
Context
  • First Form 4 purchase or sale (code P or S) here by this insider on our record.
  • The trade is 7.3% of the 17,848 shares held after it.
  • No other insider sold within 30 days.
Insider activity: EVP/Chief Credit Officer Gordon Ryan J sold about $27.4K of WSBF on Aug 13, 2026.
Gordon Ryan J
EVP/Chief Credit Officer
SELL
2026-08-17 SECtraded 2026-08-13
6,237
$131.9K
-6.5%
Context
  • First Form 4 purchase or sale (code P or S) here by this insider on our record.
  • The trade is 53.7% of the 11,611 shares held after it.
  • No other insider sold within 30 days.
Insider activity: EVP/Chief Credit Officer Gordon Ryan J sold about $131.9K of WSBF on Aug 13, 2026.
Gerke Mark Raymond
EVP/Chief Financial Officer
SELL
2026-05-22 SECtraded 2026-05-21
10,000
$183.4K
+7.6%
Context
  • 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Feb 28, 2025.
  • The trade is 33.3% of the 30,034 shares held after it.
  • No other insider sold within 30 days.
Insider activity: EVP/Chief Financial Officer Gerke Mark Raymond sold about $183.4K of WSBF on May 21, 2026.
Gordon Douglas S
Director
SELL
2026-02-20 SECtraded 2026-02-18
2,880
$52.2K
+14.6%
Context
  • 7 earlier Form 4 trades (code P or S) here by this insider (4 buys, 3 sales), the last on Feb 6, 2026.
  • The trade is 0.5% of the 556,773 shares held after it.
  • 2 other insiders sold within 30 days.
Insider activity: Director Gordon Douglas S sold about $52.2K of WSBF on Feb 18, 2026; 2 other insiders sold within 30 days.
354 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
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Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net -$355.8K over 180 days
-$172.4K over 90 days
below 56% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
$8.1M repurchased, FY to 2026-06-30
more than 53% of Banks
Short interest
2.8% of the float short (float per yahoo 2026-10-27) · 6.0 days to cover · settled 2026-10-15
below 55% of Banks
What changed in the last 30 days
Nothing new filed in the last 30 days

Watch WSBF

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+37.4%12M
+0%+16%+33%+49%2025-102025-122026-022026-042026-062026-082026-10 2025-10-27 · Hansen Michael L sold $1.2M2026-02-03 · Lawton Patrick S sold $555.9K2026-02-02 · Glynn Julie Ann sold $363.4K2026-02-04 · Lawton Patrick S sold $358.9K2026-02-05 · Gordon Douglas S sold $341.6K2026-02-04 · Gordon Douglas S sold $278.2K2026-05-21 · Gerke Mark Raymond sold $183.4K2026-08-13 · Gordon Ryan J sold $131.9K2026-02-06 · Gordon Douglas S sold $123.6K2026-02-18 · Gordon Douglas S sold $52.2K2026-08-13 · Gordon Ryan J sold $27.4K2025-10-27 · Hansen Michael L sold $23.4K2026-02-02 · Glynn Julie Ann sold $17.4K2026-08-13 · Gordon Ryan J sold $13.1K2026-08-14 · Ryan Gordon filed to sell $172.4K
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns WSBF: institutional holders (13F)

13F holdings, latest reported quarter
SEC 13F
No reported 13F holders

No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.

Congress trades in WSBF

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

WSBF planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
Ryan Gordon
Filed 2026-08-14
$172.4K
Executive pay vs shareholder return · William F. Bruss
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$785.2K
$790.7K
$517.6K
+29%
+33%
2024
$714.6K
$673.2K
$493.3K
-1%
+33%
2023
$1.6M
$1.4M
$480.7K
-13%
-3%
2022
$1.3M
$1.2M
$464.9K
-16%
-2%
2021
$1.6M
$1.6M
$595.6K
+24%
+24%
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $355.8K sold by insiders over 180 days, $172.4K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
UMBFBWFGPBPEBOFMBMGABCNEWTDCOMPCBISBAJMSBMPB

WSBF financials

Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Free cash flow, TTM
$42.8M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
1.56x
long-term 2026-06-30 plus current 2024-09-30 (21 months older than the period end); equity 2026-06-30
Cash flow to debt
0.08x
TTM operating cash flow over long-term 2026-06-30 plus current 2024-09-30 (21 months older than the period end)
Return on equity
+8.7%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+1.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
11.52x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
Enterprise value
$800.4M
market value at close 2026-10-27 on 2026-07-31 shares, plus long-term 2026-06-30 plus current 2024-09-30 (21 months older than the period end), minus cash 2019-03-31
FCF yield
+12.0%
TTM free cash flow over market value at close 2026-10-27
PEG, trailing
0.23x
P/E over trailing EPS growth of 50%: four quarters to 2026-06-30 against the four to 2025-06-30
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Net income$26.4M$18.7M$9.4M$19.5M
EPS (diluted)1.481.010.460.89
Operating cash flow$24.2M$48.1M-$27.6M$206.7M
Long-term debt$412.3M$446.5M$611.1M$386.8M
Buybacks$16.2M$14.9M$26.0M$47.8M
Dividends paid$10.8M$11.3M$15.4M$30.3M
SEC XBRL, fiscal years, as known on 2026-10-28

WSBF Stock Sonar score 4/7 axes

Find similar shapesCompare

WSBF ranks highest on profitability (56th percentile) and risk and compliance (55th), and lowest on financial health (5th), among Banks peers.

Profitability
56
Inputs
  • Return on equity+8.7% · 36 pct, sector of 327
  • Return on assets+1.3% · 76 pct, sector of 334
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Financial health
5
Inputs
  • Debt to equity1.56x · 3 pct, sector of 229
  • Cash flow to debt0.08x · 8 pct, sector of 198
Insider conviction
22
Inputs
  • Net Form 4 buying (codes P and S), 180d-$356K · 44 pct, sector of 273
  • Insider buyers, 180d0 · 0 pct, sector of 273
Risk and compliance
55
Inputs
  • Short interest, % of float+2.8% · 55 pct, sector of 374
  • Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
  • EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
  • New text in Risk Factors, latest 10-Kneeds two 10-Ks with a Risk Factors section (not 20-F filers or stubs)
3 not measured: Growth, Institutional and government, US patents
  • Growth needs 1 of 2 inputs, 0 present: no backlog line filed, or no year-earlier backlog; no revenue for this year and the year before
  • Institutional and government needs 1 of 4 inputs, 0 present: fewer than five funds report holding it; no Congress trades in 365 days; no federal contracts in 180 days; no lobbying filings in the last four quarters
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

WSBF filings, in plain words

Are Waterstone Financial insiders buying or selling WSBF?

In the 180 days to 2026-10-28, Waterstone Financial insiders were net sellers, a net $355.8K across purchases and sales reported on Form 4, by 2 sellers.

Are there planned insider sales of WSBF?

Yes. 1 Form 144 notice of planned insider sales was filed in the 90 days to 2026-10-28, covering $172.4K of stock; the latest, by Ryan Gordon, was filed 2026-08-14.

Read the full summary

In the 180 days to 2026-10-28, Waterstone Financial insiders were net sellers of WSBF, a net $355.8K across purchases and sales reported on Form 4 by 2 sellers. None of the 4 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 1 Form 144 notice of intent to sell in the 90 days to 2026-10-28, covering $172.4K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.

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