Waterstone Financial Company Top Insiders
| WSBF Stock | USD 17.80 -0.04 -0.22% |
Waterstone Financial's insiders are aggressively selling. The analysis of insider sentiment suggests that almost all Waterstone Financial insiders are, at present, panicking. Waterstone Financial employs about 593 people. The company is managed by 9 executives with a total tenure of roughly 30 years, averaging almost 3.0 years of service per executive, having 65.89 employees per reported executive.
| Douglas Gordon CEO CEO and President Director, CEO of Waterstone Bank and President of Waterstone Bank |
| Mark Gerke President Principal Accounting Officer, Vice President Controller |
Insider Sentiment
Mostly Selling
Selling | Buying |
Latest Trades
| 2026-02-18 | Douglas S Gordon | Disposed 2880 @ 18.11 | View | ||
| 2026-02-05 | Douglas S Gordon | Disposed 18716 @ 18.25 | View | ||
| 2026-02-04 | Patrick S Lawton | Disposed 19255 @ 18.64 | View | ||
| 2026-02-03 | Patrick S Lawton | Disposed 30000 @ 18.53 | View | ||
| 2026-02-02 | Julie Ann Glynn | Disposed 20929 @ 18.19 | View | ||
| 2025-10-27 | Michael L Hansen | Disposed 1541 @ 15.16 | View | ||
| 2025-08-13 | Michael L Hansen | Disposed 109527 @ 14.05 | View | ||
| 2025-08-12 | Michael L Hansen | Disposed 35290 @ 13.92 | View | ||
| 2025-08-11 | Michael L Hansen | Disposed 2757 @ 13.8 | View | ||
| 2025-07-25 | Michael L Hansen | Disposed 961 @ 13.81 | View | ||
| 2025-07-24 | Michael L Hansen | Disposed 36465 @ 13.83 | View |
Tracking insider sentiment in Waterstone Financial can help investors see whether internal behavior is reinforcing or weakening the broader investment thesis. Used properly, insider trading analysis complements fundamental analysis and technical analysis rather than replacing either one.
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Waterstone Financial's Workforce Through the Years
Employee-history analysis for Waterstone Financial can help investors see whether the business is expanding capacity, defending margins, or adjusting to softer demand. The present forecast points to approximately roughly 850 employees by April 2026, adding another checkpoint for evaluating operating execution.Macro event markers
Management Team Effectiveness
The company has return on total asset (ROA) of 1.06 % meaning that the return on assets reflects $1.06 earned per $100 deployed. This is under-performing relative to the sector. Similarly, it shows a return on stockholder's equity (ROE) of 6.95 %, meaning that stockholder capital produced $6.95 on every $100 invested.This year, Common Stock Shares Outstanding is expected to increase toward approximately 24.5 M. Also, Net Income Applicable To Common Shares is expected to increase toward approximately 26 M.
Stock Institutional Investors
About 49.91% of Waterstone Financial is held by institutions, with insiders at 19.57%. Current market capitalization is about 285.9 Million. This helps separate index flows from active bets. The business currently sits in the Financial Services sector and the Financial Services industry. Watching turnover and volume trends alongside ownership data adds depth to the picture.
| Shares | Arrowstreet Capital Limited Partnership | 2025-12-31 | 188.5 K | The Goldman Sachs Group Inc | 2025-09-30 | 171.3 K | Morgan Stanley - Brokerage Accounts | 2025-09-30 | 168 K | Northern Trust Corp | 2025-09-30 | 142.4 K | Charles Schwab Investment Management Inc | 2025-12-31 | 132.3 K | Donald Smith & Co Inc | 2025-12-31 | 127.8 K | Quantinno Capital Management Lp | 2025-09-30 | 111.9 K | Jpmorgan Chase & Co | 2025-09-30 | 103.8 K | Empowered Funds, Llc | 2025-09-30 | 98.7 K | Blackrock Inc | 2025-09-30 | 1.6 M | Dimensional Fund Advisors, Inc. | 2025-12-31 | 1.4 M |
Insider Trading Activities
Reviewing insider trades in Waterstone Financial shows whether management is acting in line with the public story on growth and strategy. It trades on NASDAQ in US. The business currently sits in the Financial Services sector and the Banks—Regional industry.
Outstanding Bonds
Corporate bonds issued by Waterstone Financial matter because they shape interest expense, maturity risk, and the flexibility management has during tighter credit conditions. Current market capitalization is about 285.9 Million. Bond investors and equity investors often care about the same cash flows, but they rank the risks differently.
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Corporate Filings
8K | 17th of March 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 26th of February 2026 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
F4 | 20th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 10th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 6th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 5th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 4th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 28th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Shares in Circulation | First Issued 2004-09-30 | Previous Quarter 18 M | Current Value 17.9 M | Average Shares Outstanding 28.9 M | Quarterly Volatility 5.9 M |
Macro event markers
Holders Distribution
For Waterstone Financial, institutional participation can be supportive or destabilizing depending on whether large holders are building conviction or reducing exposure. Used correctly, the ownership map shows where professional sponsorship may be strong and where exit risk could still be significant.
Market Cap and Value
Workforce Comparison
Waterstone Financial holds the top spot in number of employees across its competitive set. The total workforce of Financials industry is at this time estimated at about 3,617. Waterstone Financial retains roughly 593 in number of employees claiming about 16% of equities under Financials sector.
Profit Margins
The company has Profit Margin (PM) of 17.0 %, which indicates that the company has room to navigate competitive or macro headwinds. This ranks above peers on this metric. Similarly, it shows Operating Margin (OM) of 26.0 %, which implies that the business converts $26.0 of every $100 in sales to operating income.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.46 | 0.7124 |
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Insider Trading History
The buy-sell ratio in Waterstone Financial's insider history separates pay-related activity from trades based on conviction. Sustained buying at different price levels is a stronger signal than routine scheduled sales under 10b5-1 plans.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2026-03-01 | 0.1111 | 1 | 9 | 20,000 | 133,545 |
| 2025-03-01 | 0.5 | 13 | 26 | 163,132 | 264,399 |
| 2024-12-01 | 0.0613 | 13 | 212 | 79,368 | 158,031 |
| 2024-09-01 | 0.1458 | 7 | 48 | 37,500 | 75,000 |
| 2024-03-01 | 1.25 | 5 | 4 | 12,012 | 5,058 |
| 2021-12-01 | 0.0588 | 3 | 51 | 20,781 | 66,562 |
| 2021-06-01 | 0.0938 | 3 | 32 | 30,000 | 60,000 |
| 2021-03-01 | 0.0274 | 4 | 146 | 92,500 | 191,000 |
| 2020-12-01 | 0.2857 | 4 | 14 | 62,215 | 326,599 |
| 2020-09-01 | 0.3333 | 1 | 3 | 62,500 | 284,068 |
| 2020-03-01 | 0.0833 | 1 | 12 | 3,292 | 56,693 |
| 2018-12-01 | 0.05 | 1 | 20 | 6.00 | 16,638 |
| 2018-09-01 | 0.3125 | 5 | 16 | 40,000 | 86,776 |
| 2018-03-01 | 0.25 | 1 | 4 | 7,843 | 26,289 |
| 2017-12-01 | 0.1429 | 1 | 7 | 6,000 | 12,000 |
| 2017-06-01 | 0.3333 | 2 | 6 | 42,795 | 129,564 |
| 2017-03-01 | 0.2222 | 2 | 9 | 26,659 | 41,195 |
| 2016-12-01 | 0.8571 | 6 | 7 | 260,748 | 191,336 |
| 2016-09-01 | 0.0625 | 7 | 112 | 446,233 | 874,533 |
| 2016-06-01 | 0.2857 | 2 | 7 | 30,000 | 4,018 |
| 2016-03-01 | 0.2143 | 3 | 14 | 20,848 | 81,864 |
| 2015-06-01 | 0.75 | 3 | 4 | 9,894 | 20,275 |
| 2015-03-01 | 26.0 | 26 | 1 | 1,543,514 | 16,641 |
| 2014-06-01 | 0.75 | 6 | 8 | 23,096 | 32,982 |
| 2014-03-01 | 2.9286 | 41 | 14 | 1,800,634 | 24,688 |
| 2013-12-01 | 1.0 | 1 | 1 | 2,915 | 2,341 |
| 2012-03-01 | 4.0 | 4 | 1 | 115,000 | 1,000.00 |
| 2010-12-01 | 0.6 | 3 | 5 | 54,797 | 5,000 |
| 2008-12-01 | 3.0 | 3 | 1 | 7,494 | 0.00 |
Notable Stakeholders
Stakeholder analysis for Waterstone Financial is useful because companies often face trade-offs among groups that want very different outcomes from the same business. The stronger interpretation comes from connecting stakeholder presence with management behavior, governance patterns, and changes in the operating story.
| Douglas Gordon | CEO and President Director, CEO of Waterstone Bank and President of Waterstone Bank | Profile | |
| William JD | President CEO | Profile | |
| Mark Gerke | Principal Accounting Officer, Vice President Controller | Profile | |
| Julie Glynn | Executive President | Profile | |
| Jeffrey McGuiness | President Corporation | Profile | |
| Ryan Gordon | Executive President | Profile | |
| Mark CPA | CFO VP | Profile | |
| William Bruss | COO, Executive VP, General Counsel, Secretary, Executive VP of Waterstone Bank, General Counsel of Waterstone Bank and Secretary of Waterstone Bank | Profile | |
| Kyle Mertz | Controller | Profile |
Management Information & Data Sources
Waterstone Financial is a micro-cap company in Commercial & Residential Mortgage Finance, Financial Services, NASDAQ Composite. Executive review focuses on insiders, senior management, and employee signals. Executive turnover can affect operating consistency and long-range planning. CEO is Douglas Gordon with 593 employees and 9 reported executives.
Data shown for Waterstone Financial is aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Professional analyst research is incorporated when coverage is available. Source publication cadence can introduce delays. Insider and management fields are mapped from published filings and company disclosures.
This content is curated and reviewed by:
Vlad Skutelnik - Macroaxis ContributorWorkforce Efficiency and Productivity
Workforce metrics tied to Waterstone Financial offer a useful way to test whether headcount and economic output are moving in a productive direction. The stronger interpretation compares these measures with sector norms because labor intensity varies meaningfully across industries.
Waterstone Financial Manpower Efficiency
Return on Waterstone Financial Manpower
| Revenue Per Employee | 340K | |
| Revenue Per Executive | 22.4M | |
| Net Income Per Employee | 44.5K | |
| Net Income Per Executive | 2.9M |
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