Waterstone Financial annual free cash flow
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2025
Waterstone Financial Free Cash Flow (FCF) History (WSBF)
Waterstone Financial reported $23.0M in free cash flow for fiscal 2025, a decrease of 50.99% from the previous fiscal year, with a free cash flow margin of 16.22%.
View full Waterstone Financial company overviewWaterstone Financial free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $23.0M | −$23.9M | −50.99% | +16.22% |
| 2024 | 2024-12-31 | $47.0M | $75.2M | — | +34.67% |
| 2023 | 2023-12-31 | −$28.3M | −$234.2M | — | −21.52% |
| 2022 | 2022-12-31 | $206.0M | $64.7M | +45.84% | +126.74% |
| 2021 | 2021-12-31 | $141.2M | $236.0M | — | +54.59% |
| 2020 | 2020-12-31 | −$94.8M | −$51.5M | — | −31.87% |
| 2019 | 2019-12-31 | −$43.3M | −$80.9M | — | −23.69% |
| 2018 | 2018-12-31 | $37.5M | −$68.0M | −64.42% | +21.78% |
| 2017 | 2017-12-31 | $105.5M | $130.7M | — | +60.25% |
| 2016 | 2016-12-31 | −$25.1M | −$9.2M | — | −14.81% |
| 2015 | 2015-12-31 | −$16.0M | −$11.8M | — | −11.13% |
| 2014 | 2014-12-31 | −$4.2M | −$51.1M | — | −3.31% |
| 2013 | 2013-12-31 | $46.9M | $56.7M | — | +36.95% |
| 2012 | 2012-12-31 | −$9.8M | −$43.9M | — | −7.37% |
| 2011 | 2011-12-31 | $34.1M | — | — | +37.96% |
Waterstone Financial quarterly free cash flow
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Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $9.4M | $47.9M | — | +23.27% |
| Q1 2026 | 2026-03-31 | −$1.6M | −$28.1M | — | −4.59% |
| Q4 2025 | 2025-12-31 | $2.6M | −$20.4M | −88.62% | +7.07% |
| Q3 2025 | 2025-09-30 | $32.4M | −$41.5M | −56.13% | +87.52% |
| Q2 2025 | 2025-06-30 | −$38.5M | $1.2M | — | −101.24% |
| Q1 2025 | 2025-03-31 | $26.5M | $36.8M | — | +89.23% |
| Q4 2024 | 2024-12-31 | $23.1M | $24.5M | — | +72.47% |
| Q3 2024 | 2024-09-30 | $73.9M | $25.6M | +53.03% | +216.90% |
| Q2 2024 | 2024-06-30 | −$39.7M | $504,000 | — | −106.73% |
| Q1 2024 | 2024-03-31 | −$10.3M | $24.6M | — | −31.89% |
| Q4 2023 | 2023-12-31 | −$1.4M | −$72.8M | — | −4.95% |
| Q3 2023 | 2023-09-30 | $48.3M | $31.4M | +186.69% | +141.11% |
| Q2 2023 | 2023-06-30 | −$40.2M | −$15.4M | — | −111.00% |
| Q1 2023 | 2023-03-31 | −$35.0M | −$177.4M | — | −108.09% |
| Q4 2022 | 2022-12-31 | $71.4M | $53.2M | +292.09% | +218.33% |
| Q3 2022 | 2022-09-30 | $16.8M | −$29.9M | −63.96% | +39.35% |
| Q2 2022 | 2022-06-30 | −$24.8M | −$41.9M | — | −54.66% |
| Q1 2022 | 2022-03-31 | $142.5M | $83.4M | +140.99% | +341.83% |
| Q4 2021 | 2021-12-31 | $18.2M | −$4.2M | −18.91% | +33.00% |
| Q3 2021 | 2021-09-30 | $46.7M | $29.3M | +168.30% | +69.71% |
| Q2 2021 | 2021-06-30 | $17.2M | $113.9M | — | +25.87% |
| Q1 2021 | 2021-03-31 | $59.1M | $97.0M | — | +84.28% |
| Q4 2020 | 2020-12-31 | $22.5M | −$4.7M | −17.44% | +26.67% |
| Q3 2020 | 2020-09-30 | $17.4M | −$11.6M | −40.06% | +19.54% |
| Q2 2020 | 2020-06-30 | −$96.8M | $20.3M | — | −120.75% |
| Q1 2020 | 2020-03-31 | −$37.9M | −$55.3M | — | −86.17% |
| Q4 2019 | 2019-12-31 | $27.2M | −$35.3M | −56.50% | +57.96% |
| Q3 2019 | 2019-09-30 | $29.1M | $68.2M | — | +57.38% |
| Q2 2019 | 2019-06-30 | −$117.0M | −$111.6M | — | −242.95% |
| Q1 2019 | 2019-03-31 | $17.4M | −$2.1M | −10.94% | +46.87% |
| Q4 2018 | 2018-12-31 | $62.5M | $29.6M | +89.96% | +159.95% |
| Q3 2018 | 2018-09-30 | −$39.1M | −$70.9M | — | −81.64% |
| Q2 2018 | 2018-06-30 | −$5.5M | $58.5M | — | −11.61% |
| Q1 2018 | 2018-03-31 | $19.6M | −$85.2M | −81.32% | +51.08% |
| Q4 2017 | 2017-12-31 | $32.9M | $20.8M | +172.43% | +79.32% |
| Q3 2017 | 2017-09-30 | $31.8M | $35.3M | — | +68.93% |
| Q2 2017 | 2017-06-30 | −$64.0M | $25.7M | — | −128.64% |
| Q1 2017 | 2017-03-31 | $104.8M | $48.8M | +87.28% | +276.99% |
| Q4 2016 | 2016-12-31 | $12.1M | $33.8M | — | +28.02% |
| Q3 2016 | 2016-09-30 | −$3.5M | −$76.2M | — | −7.19% |
| Q2 2016 | 2016-06-30 | −$89.7M | −$59.9M | — | −192.79% |
| Q1 2016 | 2016-03-31 | $56.0M | $93.2M | — | +178.04% |
| Q4 2015 | 2015-12-31 | −$21.7M | −$42.1M | — | −67.11% |
| Q3 2015 | 2015-09-30 | $72.7M | $43.9M | +152.67% | +189.01% |
| Q2 2015 | 2015-06-30 | −$29.8M | $20.4M | — | −72.40% |
| Q1 2015 | 2015-03-31 | −$37.2M | −$34.0M | — | −118.31% |
| Q4 2014 | 2014-12-31 | $20.4M | $17.1M | +507.65% | +66.97% |
| Q3 2014 | 2014-09-30 | $28.8M | −$6.2M | −17.65% | +82.62% |
| Q2 2014 | 2014-06-30 | −$50.1M | −$29.3M | — | −148.28% |
| Q1 2014 | 2014-03-31 | −$3.2M | −$32.7M | — | −12.06% |
| Q4 2013 | 2013-12-31 | $3.4M | — | — | — |
| Q3 2013 | 2013-09-30 | $34.9M | — | — | +114.15% |
| Q2 2013 | 2013-06-30 | −$20.9M | — | — | −56.99% |
| Q1 2013 | 2013-03-31 | $29.5M | — | — | — |
Waterstone Financial free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from −$94.8M to $23.0M, a net increase of $117.8M. Waterstone Financial's latest reported quarter, Q2 2026, generated $9.4M in free cash flow, an increase of $47.9M year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Waterstone Financial filings at SEC.gov ↗