Waterstone Financial annual debt-to-equity ratio
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2025
Waterstone Financial Debt-to-Equity Ratio Growth & History (WSBF)
Waterstone Financial's debt-to-equity ratio was 1.18 for fiscal 2025.
View full Waterstone Financial company overviewWaterstone Financial annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 1.18 | −0.14 | −10.38% |
| 2024 | 2024-12-31 | 1.32 | −0.89 | −40.25% |
| 2023 | 2023-12-31 | 2.20 | 1.16 | +110.47% |
| 2022 | 2022-12-31 | 1.05 | −0.07 | −6.27% |
| 2021 | 2021-12-31 | 1.12 | −0.20 | −15.21% |
| 2020 | 2020-12-31 | 1.32 | 0.07 | +5.31% |
| 2019 | 2019-12-31 | 1.25 | 0.16 | +14.92% |
| 2018 | 2018-12-31 | 1.09 | 0.15 | +16.12% |
| 2017 | 2017-12-31 | 0.94 | −0.01 | −0.57% |
| 2016 | 2016-12-31 | 0.94 | −0.18 | −16.26% |
| 2015 | 2015-12-31 | 1.13 | 0.16 | +16.78% |
| 2014 | 2014-12-31 | 0.96 | −1.16 | −54.58% |
| 2013 | 2013-12-31 | 2.12 | −0.12 | −5.52% |
| 2012 | 2012-12-31 | 2.25 | — | — |
Waterstone Financial quarterly debt-to-equity ratio
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Q1.18
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Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 1.17 | −0.19 | −13.96% |
| Q1 2026 | 2026-03-31 | 1.19 | 0.03 | +2.29% |
| Q4 2025 | 2025-12-31 | 1.18 | −0.14 | −10.38% |
| Q3 2025 | 2025-09-30 | 1.36 | −0.68 | −33.41% |
| Q2 2025 | 2025-06-30 | 1.36 | −1.04 | −43.30% |
| Q1 2025 | 2025-03-31 | 1.16 | −1.15 | −49.74% |
| Q4 2024 | 2024-12-31 | 1.32 | −0.89 | −40.25% |
| Q3 2024 | 2024-09-30 | 2.04 | 0.04 | +2.21% |
| Q2 2024 | 2024-06-30 | 2.41 | 0.68 | +39.17% |
| Q1 2024 | 2024-03-31 | 2.31 | 0.94 | +68.22% |
| Q4 2023 | 2023-12-31 | 2.20 | 1.16 | +110.47% |
| Q3 2023 | 2023-09-30 | 1.99 | 1.14 | +134.52% |
| Q2 2023 | 2023-06-30 | 1.73 | 1.00 | +137.56% |
| Q1 2023 | 2023-03-31 | 1.37 | 0.58 | +73.18% |
| Q4 2022 | 2022-12-31 | 1.05 | −0.07 | −6.27% |
| Q3 2022 | 2022-09-30 | 0.85 | −0.24 | −21.78% |
| Q2 2022 | 2022-06-30 | 0.73 | −0.39 | −34.80% |
| Q1 2022 | 2022-03-31 | 0.79 | −0.36 | −31.52% |
| Q4 2021 | 2021-12-31 | 1.12 | −0.20 | −15.21% |
| Q3 2021 | 2021-09-30 | 1.09 | −0.40 | −26.77% |
| Q2 2021 | 2021-06-30 | 1.12 | −0.73 | −39.46% |
| Q1 2021 | 2021-03-31 | 1.16 | −0.38 | −24.62% |
| Q4 2020 | 2020-12-31 | 1.32 | 0.07 | +5.31% |
| Q3 2020 | 2020-09-30 | 1.48 | 0.13 | +9.48% |
| Q2 2020 | 2020-06-30 | 1.84 | 0.48 | +34.95% |
| Q1 2020 | 2020-03-31 | 1.53 | 0.34 | +28.71% |
| Q4 2019 | 2019-12-31 | 1.25 | 0.16 | +14.92% |
| Q3 2019 | 2019-09-30 | 1.36 | 0.24 | +21.65% |
| Q2 2019 | 2019-06-30 | 1.37 | 0.29 | +27.49% |
| Q1 2019 | 2019-03-31 | 1.19 | 0.10 | +9.05% |
| Q4 2018 | 2018-12-31 | 1.09 | 0.15 | +16.12% |
| Q3 2018 | 2018-09-30 | 1.11 | 0.06 | +5.45% |
| Q2 2018 | 2018-06-30 | 1.07 | −0.15 | −12.25% |
| Q1 2018 | 2018-03-31 | 1.09 | 0.29 | +35.51% |
| Q4 2017 | 2017-12-31 | 0.94 | −0.01 | −0.57% |
| Q3 2017 | 2017-09-30 | 1.06 | 0.13 | +14.55% |
| Q2 2017 | 2017-06-30 | 1.22 | 0.19 | +17.91% |
| Q1 2017 | 2017-03-31 | 0.81 | −0.20 | −19.92% |
| Q4 2016 | 2016-12-31 | 0.94 | −0.18 | −16.26% |
| Q3 2016 | 2016-09-30 | 0.92 | −0.19 | −16.94% |
| Q2 2016 | 2016-06-30 | 1.04 | −0.07 | −6.39% |
| Q1 2016 | 2016-03-31 | 1.01 | 0.04 | +4.27% |
| Q4 2015 | 2015-12-31 | 1.13 | 0.16 | +16.78% |
| Q3 2015 | 2015-09-30 | 1.11 | 0.14 | +14.83% |
| Q2 2015 | 2015-06-30 | 1.11 | 0.11 | +11.41% |
| Q1 2015 | 2015-03-31 | 0.97 | 0.01 | +1.47% |
| Q4 2014 | 2014-12-31 | 0.96 | −1.16 | −54.58% |
| Q3 2014 | 2014-09-30 | 0.97 | — | — |
| Q2 2014 | 2014-06-30 | 0.99 | — | — |
| Q1 2014 | 2014-03-31 | 0.95 | — | — |
| Q4 2013 | 2013-12-31 | 2.12 | −0.12 | −5.52% |
| Q4 2012 | 2012-12-31 | 2.25 | — | — |
Waterstone Financial debt-to-equity ratio trends
Over the last five fiscal years, Waterstone Financial's debt-to-equity ratio decreased from 1.32 to 1.18, a change of −0.14. The latest reported quarter, Q2 2026, shows 1.17.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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