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Zacks Company Profile for Waterstone Financial, Inc. (WSBF : NSDQ)

• Company Description    Waterstone Mortgage Corp. is committed to providing customers with exceptional customer service. By providing clients with sound, expert advice as to the many different loan programs and options available, we hope to take some of the mystery out of mortgage financing. For most people, a mortgage loan is the largest financial transaction they will ever make. Waterstone's expert loan consultants are able to walk you through the mortgage process and put your mind at ease during the application and approval process. Number of Employees:

• Price / Volume Information    Yesterday's Closing Price: $17.81 Daily Weekly Monthly 20 Day Moving Average: 46,250 shares Shares Outstanding: 18.46 (millions) Market Capitalization: $328.72 (millions) Beta: 0.81 52 Week High: $18.88 52 Week Low: $11.61 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -2.62% -1.77% 12 Week 11.03% 10.90% Year To Date 7.61% 7.09%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 11200 WEST PLANK COURT - WAUWATOSA,WI 53226 USA ph: 414-761-1000 fax: 414-918-0890 markgerke@wsbonline.com http://www.wsbonline.com

• General Corporate Information    Officers William F. Bruss - Chief Executive Officer Patrick S. Lawton - Chairman andDirector Mark R. Gerke - Chief Financial Officer Ellen S. Bartel - Director Douglas S. Gordon - Director Peer Information Waterstone Financial, Inc. (ABBK) Waterstone Financial, Inc. (ABCWQ) Waterstone Financial, Inc. (BDJI) Waterstone Financial, Inc. (COOPQ) Waterstone Financial, Inc. (CITZ) Waterstone Financial, Inc. (BKC.) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: FIN-SVGS & LOAN Sector: Finance CUSIP: 94188P101 SIC: 6035 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 03/03/26 Share - Related Items Shares Outstanding: 18.46 Most Recent Split Date: 1.00 (1.10:1) Beta: 0.81 Market Capitalization: $328.72 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.37% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.60 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.45 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.22 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 01/08/2026 - $0.15 Next EPS Report Date: 03/03/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 13.39 PEG Ratio: - Price Ratios Price/Book: 0.94 Price/Cash Flow: 11.35 Price / Sales: 1.63 EPS Growth vs. Year Ago Period: 73.08% vs. Previous Quarter: 4.65% Sales Growth vs. Year Ago Period: 7.31% vs. Previous Quarter: -0.55% ROE 12/31/25 - 7.67 09/30/25 - 6.99 06/30/25 - 6.07 ROA 12/31/25 - 1.18 09/30/25 - 1.07 06/30/25 - 0.93 Current Ratio 12/31/25 - 1.30 09/30/25 - 1.02 06/30/25 - 1.02 Quick Ratio 12/31/25 - 1.20 09/30/25 - 0.94 06/30/25 - 0.93 Operating Margin 12/31/25 - 13.12 09/30/25 - 12.08 06/30/25 - 10.47 Net Margin 12/31/25 - 13.12 09/30/25 - 12.08 06/30/25 - 10.47 Pre-Tax Margin 12/31/25 - 16.61 09/30/25 - 14.97 06/30/25 - 12.97 Book Value 12/31/25 - 18.93 09/30/25 - 18.50 06/30/25 - 17.70 Inventory Turnover 12/31/25 - 0.31 09/30/25 - 0.32 06/30/25 - 0.31 Debt-to-Equity 12/31/25 - 1.18 09/30/25 - 0.00 06/30/25 - 0.00 Debt-to-Capital 12/31/25 - 54.13 09/30/25 - 0.00 06/30/25 - 0.00

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