← Waterstone Financial, Inc.
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $25.5m | $26.0m | $30.8m | $35.9m | $81.1m | $70.8m | $19.5m | $9.4m | $18.7m | $26.4m | — | |
| Depreciation, Depletion and Amortization | $2.6m | $2.0m | $2.3m | $2.5m | $5.6m | $6.0m | $4.0m | $3.3m | $2.5m | $2.5m | $3.0m | |
| Depreciation | $2.6m | $2.0m | $2.3m | $2.5m | $2.5m | $2.1m | $1.8m | $1.7m | $1.6m | $1.6m | $3.0m | |
| Deferred Income Tax Expense (Benefit) | $1.6m | $3.1m | $535k | $639k | ($2.6m) | $1.4m | ($484k) | ($1.1m) | $980k | $714k | ($122k) | |
| Share-based Payment Arrangement, Noncash Expense | $1.9m | $1.9m | $1.8m | $1.1m | $716k | $745k | $583k | $277k | $316k | $297k | $411k | |
| Share-based Payment Arrangement, Expense | $641k | $638k | — | — | — | — | — | — | — | — | $411k | |
| Changes in operating assets and liabilities: | ||||||||||||
| Increase (Decrease) in Other Operating Assets | — | — | — | ($179k) | ($9.2m) | $6.7m | ($10.9m) | $4.5m | ($3.0m) | ($2.1m) | — | |
| Increase (Decrease) in Other Operating Liabilities | $4.7m | ($3.1m) | $1.6m | ($1.1m) | $5.1m | ($6.3m) | $16.3m | ($5.4m) | ($3.6m) | $4.6m | — | |
| Gain (Loss) on Disposition of Other Assets | $197k | $24k | $265k | $304k | $107k | $12k | — | — | — | — | — | |
| Net Cash Provided by (Used in) Operating Activities | ($24.1m) |
$107.1m
+545.09%
|
$42.9m
-59.91%
|
($40.2m)
-193.67%
|
($100.6m)
-150.05%
|
$154.5m
+253.58%
|
$206.7m
+33.80%
|
($27.6m)
-113.34%
|
$48.1m
+274.29%
|
$24.2m
-49.68%
|
$44.7m
+85.02%
|
|
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Property, Plant, and Equipment | $1.1m | $1.6m | $4.0m | $3.1m | $1.2m | $778k | $701k | $700k | $1.1m | $1.2m | ($2.0m) | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $14.9m | $15.7m | $10.4m | $8.1m | $5.3m | $9.1m | $17.6m | $4.0m | $7.5m | $11.5m | — | |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | — | $0 | $0 | — | — | — | — | — | — | — | |
| Gain (Loss) on Investments | $0 | — | — | — | — | — | — | — | — | — | — | |
| Net Cash Provided by (Used in) Investing Activities | ($25.0m) | ($94.9m) | ($79.9m) | ($1.2m) | $44.2m | $147.6m | ($335.7m) | ($159.2m) | ($24.0m) | ($8.7m) | ($33.7m) | |
| Cash flows from financing activities: | ||||||||||||
| Repayments of Long-term Debt | — | $149.0m | $165.0m | $125.0m | $0 | $0 | $470.0m | $304.0m | $175.0m | $90.0m | ($130.0m) | |
| Debt and Equity Securities, Gain (Loss) | — | — | $0 | $0 | — | — | — | — | — | — | — | |
| Proceeds from Issuance of Long-term Debt | $100.0m | $175.0m | $255.0m | $165.0m | $0 | $0 | $200.0m | $259.0m | $170.0m | $130.0m | $133.0m | |
| Payments for Repurchase of Common Stock | ($3.9m) | $2.2m | $19.2m | $22.8m | $36.2m | $10.2m | $47.8m | $26.0m | $14.9m | $16.2m | — | |
| Payments of Ordinary Dividends, Common Stock | $6.9m | $27.0m | $27.1m | $26.0m | $31.5m | $30.4m | $30.3m | $15.4m | $11.3m | $10.8m | ($10.8m) | |
| Net Cash Provided by (Used in) Financing Activities | ($4.2m) |
($10.8m)
-160.24%
|
$74.4m
+787.18%
|
$29.6m
-60.27%
|
$76.9m
+159.92%
|
($20.1m)
-126.17%
|
($201.0m)
-899.22%
|
$176.6m
+187.85%
|
($20.8m)
-111.76%
|
$15.9m
+176.63%
|
($43.8m)
-375.31%
|
|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | ($53.3m) | $1.4m | $37.5m | ($11.8m) | $20.5m | $282.0m | ($330.1m) | ($10.2m) | $3.3m | $31.3m | $38.2m | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | — | $74.3m | $94.8m | $376.7m | — | — | — | — | $38.2m | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Provision for Loan, Lease, and Other Losses | — | — | — | — | — | — | $968k | $656k | ($168k) | ($1.4m) | ($327k) | |
| Bank Owned Life Insurance Income | $1.8m | $1.8m | $1.8m | $1.9m | $1.9m | $1.6m | $1.7m | $1.7m | $2.0m | $2.6m | — | |
| Gain (Loss) on Sales of Loans, Net | — | — | — | — | — | — | $76.2m | $71.4m | $83.8m | $80.7m | — | |
| Proceeds from Stock Options Exercised | — | $1.1m | $1.3m | $659k | $3.7m | $2.3m | $564k | $820k | $1.7m | $2.4m | — | |
| Parent Company | — | $27.0m | $27.1m | $26.0m | $31.5m | $30.4m | $30.3m | $15.4m | $11.3m | $10.8m | — | |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | — | $16.4m | $19.0m | $27.4m | $25.4m | $14.5m | $12.9m | $47.7m | $66.3m | $59.2m | — | |
| Income Taxes Paid, Net | $14.4m | $17.1m | $10.2m | $10.7m | $29.5m | $22.7m | $4.1m | $1.2m | ($881k) | $5.0m | — | |
| Additional Financial Items | ||||||||||||
| Gain (Loss) on Sales of Mortgage Backed Securities (MBS) | — | — | — | — | — | — | — | $583k | $152k | — | — | |
| Gain (Loss) Related to Litigation Settlement | — | — | — | — | — | — | $0 | $0 | — | — | — | |
| Income Tax Expense (Benefit) | $16.5m | $18.5m | $9.5m | $11.7m | $27.0m | $21.3m | $5.0m | $1.7m | $5.3m | $7.0m | — | |
| Financing Receivable, Credit Loss, Expense (Reversal) | — | — | — | — | — | — | $1.0m | $927k | ($342k) | ($891k) | — |