Waterstone Financial (WSBF)
Waterstone Financial on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on Nasdaq, classified by the SEC as savings institution, federally chartered.
375K
Short interest
settlement 2026-09-30
4.1
Days to cover
+0.2 days vs prior
54.3%
Short share of volume
2026-10-09
12
Fails to deliver
settlement 2026-09-10
Thu 22 Oct
Next earnings
estimated date
-$172K
Insider flow, 90 days
0 buys, 3 sells
As of 2026-10-09.
Short interest
FINRA, twice a month. The newest 24 settlements in the table, 48 in the chart. JSONAs of 30 September 2026, short interest in WSBF is 375,057 shares, down 57,127 shares over the last month. Over the last 48 readings it ranged from 70,738 shares (28 February 2025) to 432,184 shares (31 August 2026). At the reported average volume of 91K shares a day that is 4.1 days to cover.
Embed this chart.The embed keeps its attribution line.
<iframe src="https://xoomar.com/embed/stocks/wsbf" width="100%" height="440" style="border:0;max-width:100%" loading="lazy" title="XOOMAR chart"></iframe>
| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-09-30 | 375,057 | -10.8% | 90,932 | 4.12 |
| 2026-09-15 | 420,725 | -2.6% | 107,650 | 3.91 |
| 2026-08-31 | 432,184 | +9.1% | 63,209 | 6.84 |
| 2026-08-14 | 396,115 | +21.2% | 51,604 | 7.68 |
| 2026-07-31 | 326,899 | +3.1% | 66,116 | 4.94 |
| 2026-07-15 | 317,146 | -4.8% | 82,499 | 3.84 |
| 2026-06-30 | 333,190 | +13.1% | 113,820 | 2.93 |
| 2026-06-15 | 294,485 | +24.1% | 53,128 | 5.54 |
| 2026-05-29 | 237,358 | +26.2% | 48,815 | 4.86 |
| 2026-05-15 | 188,145 | +8.1% | 58,496 | 3.22 |
| 2026-04-30 | 174,000 | +5.6% | 65,920 | 2.64 |
| 2026-04-15 | 164,840 | -8.5% | 82,477 | 2.00 |
| 2026-03-31 | 180,081 | +31.2% | 81,510 | 2.21 |
| 2026-03-13 | 137,212 | +11.2% | 58,311 | 2.35 |
| 2026-02-27 | 123,393 | +3.0% | 37,392 | 3.30 |
| 2026-02-13 | 119,841 | -7.5% | 54,463 | 2.20 |
| 2026-01-30 | 129,576 | -11.1% | 36,435 | 3.56 |
| 2026-01-15 | 145,693 | +10.8% | 48,724 | 2.99 |
| 2025-12-31 | 131,437 | -19.2% | 56,490 | 2.33 |
| 2025-12-15 | 162,603 | +14.4% | 36,784 | 4.42 |
| 2025-11-28 | 142,188 | +13.6% | 43,429 | 3.27 |
| 2025-11-14 | 125,223 | +5.7% | 37,853 | 3.31 |
| 2025-10-31 | 118,508 | +10.4% | 59,791 | 1.98 |
| 2025-10-15 | 107,307 | +1.7% | 50,101 | 2.14 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 9 October 2026, the short share of WSBF volume is 54.3%, up 32.9 points over the last five sessions. Over the last 30 readings it ranged from 14.8% (9 September 2026) to 81.5% (23 September 2026). The latest reading is 8.3 points above the 30-session average of 46.0%, on 26K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-09 | 14K | 26K | 54.3% | 0 |
| 2026-10-08 | 7K | 14K | 51.1% | 0 |
| 2026-10-07 | 9K | 16K | 55.2% | 0 |
| 2026-10-06 | 13K | 19K | 64.6% | 0 |
| 2026-10-05 | 7K | 16K | 41.8% | 0 |
| 2026-10-02 | 12K | 57K | 21.4% | 0 |
| 2026-10-01 | 10K | 18K | 54.8% | 0 |
| 2026-09-30 | 9K | 16K | 56.0% | 0 |
| 2026-09-29 | 8K | 16K | 51.1% | 0 |
| 2026-09-28 | 9K | 14K | 62.4% | 0 |
| 2026-09-25 | 11K | 24K | 47.4% | 0 |
| 2026-09-24 | 16K | 56K | 28.4% | 1 |
| 2026-09-23 | 15K | 19K | 81.5% | 0 |
| 2026-09-22 | 13K | 24K | 56.9% | 0 |
| 2026-09-21 | 12K | 19K | 59.5% | 0 |
| 2026-09-18 | 16K | 26K | 62.1% | 0 |
| 2026-09-17 | 12K | 20K | 60.0% | 100 |
| 2026-09-16 | 14K | 32K | 43.1% | 0 |
| 2026-09-15 | 11K | 41K | 26.4% | 0 |
| 2026-09-14 | 8K | 27K | 29.5% | 0 |
| 2026-09-11 | 7K | 41K | 17.7% | 0 |
| 2026-09-10 | 6K | 33K | 18.1% | 0 |
| 2026-09-09 | 12K | 79K | 14.8% | 0 |
| 2026-09-08 | 10K | 19K | 53.0% | 0 |
| 2026-09-04 | 9K | 23K | 37.3% | 0 |
| 2026-09-03 | 4K | 23K | 15.6% | 0 |
| 2026-09-02 | 15K | 31K | 47.8% | 0 |
| 2026-09-01 | 13K | 29K | 46.1% | 0 |
| 2026-08-31 | 9K | 16K | 60.5% | 0 |
| 2026-08-28 | 7K | 11K | 61.2% | 0 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 10 September 2026, the fails-to-deliver balance in WSBF is 12 shares, down 3,763 shares over the last settlement date. Over the last 30 readings it ranged from 2 shares (10 July 2025) to 5,260 shares (7 April 2025). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-10 | 12 | $21.26 | $255 |
| 2026-08-14 | 3,775 | $21.41 | $81K |
| 2026-08-13 | 65 | $21.00 | $1K |
| 2026-08-03 | 91 | $20.52 | $2K |
| 2026-07-15 | 158 | $19.52 | $3K |
| 2026-06-30 | 251 | $20.60 | $5K |
| 2026-06-10 | 76 | $18.97 | $1K |
| 2026-05-13 | 399 | $18.27 | $7K |
| 2026-05-04 | 211 | $18.10 | $4K |
| 2026-03-31 | 521 | $18.20 | $9K |
| 2026-03-09 | 1,168 | $17.46 | $20K |
| 2026-02-24 | 16 | $17.60 | $282 |
| 2026-01-21 | 51 | $17.42 | $888 |
| 2026-01-06 | 1,000 | $16.69 | $17K |
| 2025-12-22 | 65 | $16.70 | $1K |
| 2025-12-16 | 814 | $17.09 | $14K |
| 2025-11-25 | 796 | $15.52 | $12K |
| 2025-10-21 | 1,274 | $14.80 | $19K |
| 2025-08-18 | 263 | $14.08 | $4K |
| 2025-08-15 | 10 | $14.37 | $144 |
| 2025-07-31 | 37 | $13.41 | $496 |
| 2025-07-28 | 122 | $13.73 | $2K |
| 2025-07-10 | 2 | $13.83 | $28 |
| 2025-05-12 | 500 | $12.38 | $6K |
| 2025-05-09 | 4 | $12.42 | $50 |
| 2025-04-07 | 5,260 | $12.71 | $67K |
| 2025-03-18 | 489 | $13.79 | $7K |
| 2025-03-05 | 186 | $13.96 | $3K |
| 2025-03-04 | 104 | $14.02 | $1K |
| 2025-02-19 | 299 | $14.75 | $4K |
Insider trades
SEC Form 4, newest first, 50 of 100 shown. JSONInsiders at WSBF reported 3 open-market sells worth $172K in the last 90 days and no open-market buys. Latest filing: Gordon Ryan J (EVP/Chief Credit Officer) on 2026-08-13.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-08-13 | Gordon Ryan J | EVP/Chief Credit Officer | Sell | 6K | $21.14 | $132K | 12K |
| 2026-08-13 | Gordon Ryan J | EVP/Chief Credit Officer | Sell | 1K | $21.11 | $27K | 18K |
| 2026-08-13 | Gordon Ryan J | EVP/Chief Credit Officer | Sell | 620 | $21.10 | $13K | 19K |
| 2026-08-13 | Gordon Ryan J | EVP/Chief Credit Officer | Option exercise | 10K | $17.20 | $172K | 20K |
| 2026-05-21 | Gerke Mark Raymond | EVP/Chief Financial Officer | Sell | 10K | $18.34 | $183K | 30K |
| 2026-05-21 | Gerke Mark Raymond | EVP/Chief Financial Officer | Option exercise | 10K | $14.98 | $150K | 40K |
| 2026-02-18 | Gordon Douglas S | Director | Sell | 3K | $18.11 | $52K | 557K |
| 2026-02-06 | Gordon Douglas S | Director | Sell | 7K | $18.27 | $124K | 560K |
| 2026-02-05 | Gordon Douglas S | Director | Sell | 19K | $18.25 | $342K | 566K |
| 2026-02-04 | Lawton Patrick S | Director | Sell | 19K | $18.64 | $359K | 0 |
| 2026-02-04 | Gordon Douglas S | Director | Sell | 15K | $18.55 | $278K | 585K |
| 2026-02-03 | Lawton Patrick S | Director | Sell | 30K | $18.53 | $556K | 19K |
| 2026-02-02 | Glynn Julie Ann | EVP/Chief Retail Officer | Sell | 929 | $18.69 | $17K | 9K |
| 2026-02-02 | Glynn Julie Ann | EVP/Chief Retail Officer | Sell | 20K | $18.17 | $363K | 10K |
| 2026-02-02 | Glynn Julie Ann | EVP/Chief Retail Officer | Option exercise | 20K | $17.35 | $347K | 30K |
| 2025-10-27 | Hansen Michael L | Director | Sell | 80K | $15.16 | $1.2M | 0 |
| 2025-10-27 | Hansen Michael L | Director | Sell | 2K | $15.16 | $23K | 0 |
| 2025-08-13 | Hansen Michael L | Director | Sell | 110K | $14.05 | $1.5M | 2K |
| 2025-08-12 | Hansen Michael L | Director | Sell | 35K | $13.92 | $491K | 111K |
| 2025-08-11 | Hansen Michael L | Director | Sell | 3K | $13.80 | $38K | 146K |
| 2025-07-25 | Hansen Michael L | Director | Sell | 100 | $13.82 | $1K | 149K |
| 2025-07-25 | Hansen Michael L | Director | Sell | 761 | $13.81 | $11K | 149K |
| 2025-07-25 | Hansen Michael L | Director | Sell | 100 | $13.80 | $1K | 150K |
| 2025-07-24 | Hansen Michael L | Director | Sell | 36K | $13.83 | $504K | 150K |
| 2025-02-28 | Lawton Patrick S | Director | Option exercise | 38K | $12.75 | $478K | 87K |
| 2025-02-28 | Lawton Patrick S | Director | Sell | 38K | $14.03 | $526K | 49K |
| 2025-02-28 | Gerke Mark Raymond | EVP/Chief Financial Officer | Sell | 3K | $14.15 | $39K | 30K |
| 2025-02-28 | Gerke Mark Raymond | EVP/Chief Financial Officer | Option exercise | 5K | $12.75 | $64K | 33K |
| 2025-02-13 | RAPPE KRISTINE A | Director | Sell | 22K | $14.25 | $316K | 27K |
| 2025-02-13 | RAPPE KRISTINE A | Director | Option exercise | 22K | $12.75 | $283K | 50K |
| 2025-02-11 | Schmidt Stephen J | Director | Sell | 6K | $13.79 | $86K | 70K |
| 2025-02-11 | Schmidt Stephen J | Director | Option exercise | 6K | $12.75 | $79K | 76K |
| 2025-02-06 | Schmidt Stephen J | Director | Option exercise | 3K | $12.75 | $39K | 73K |
| 2025-02-06 | Schmidt Stephen J | Director | Sell | 3K | $13.75 | $43K | 70K |
| 2025-02-05 | RAPPE KRISTINE A | Director | Option exercise | 10K | $12.75 | $131K | 38K |
| 2025-02-05 | RAPPE KRISTINE A | Director | Sell | 10K | $13.75 | $141K | 27K |
| 2025-02-05 | Schmidt Stephen J | Director | Option exercise | 11K | $12.75 | $139K | 81K |
| 2025-02-05 | Schmidt Stephen J | Director | Sell | 11K | $13.76 | $150K | 70K |
| 2025-02-04 | RAPPE KRISTINE A | Director | Sell | 5K | $13.77 | $66K | 27K |
| 2025-02-04 | RAPPE KRISTINE A | Director | Option exercise | 5K | $12.75 | $61K | 32K |
| 2025-02-04 | Schmidt Stephen J | Director | Sell | 2K | $13.76 | $30K | 70K |
| 2025-02-04 | Schmidt Stephen J | Director | Option exercise | 2K | $12.75 | $28K | 72K |
| 2025-01-31 | Schmidt Stephen J | Director | Sell | 15K | $13.80 | $206K | 70K |
| 2025-01-31 | Schmidt Stephen J | Director | Option exercise | 15K | $12.75 | $190K | 85K |
| 2025-01-31 | RAPPE KRISTINE A | Director | Option exercise | 20K | $12.75 | $253K | 47K |
| 2025-01-31 | RAPPE KRISTINE A | Director | Sell | 20K | $13.76 | $274K | 27K |
| 2025-01-30 | Schmidt Stephen J | Director | Option exercise | 12K | $12.75 | $157K | 82K |
| 2025-01-30 | Schmidt Stephen J | Director | Sell | 12K | $13.94 | $171K | 70K |
| 2025-01-30 | RAPPE KRISTINE A | Director | Sell | 14K | $13.89 | $194K | 27K |
| 2025-01-30 | RAPPE KRISTINE A | Director | Option exercise | 14K | $12.75 | $178K | 41K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Planned sales (Form 144)
Newest first. JSON6 Form 144 notices on file for WSBF worth $4.2M at the prices reported; 1 in the last 90 days worth $172K. Latest: Ryan Gordon filed on 2026-08-14 to sell 8,157 shares ($172K) from 2026-08-13.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-08-14 | Ryan GordonOfficer | 8K | $172K | 0.045% | 2026-08-13 | UBS Financial Services Inc |
| 2026-05-21 | Mark GerkeOfficer | 10K | $185K | 0.055% | 2026-05-21 | UBS Financial Services Inc |
| 2026-02-04 | Gordon Douglas SDirector | 72K | $1.3M | 0.388% | 2026-02-04 | Fidelity Brokerage Services LLC |
| 2026-02-03 | Julie GlynnOfficer | 21K | $381K | 0.113% | 2026-02-02 | UBS Financial Services Inc |
| 2026-02-02 | Lawton, Patrick S. (WSBF)Director | 49K | $887K | 0.267% | 2026-02-03 | Robert W. Baird & Co. Incorporated |
| 2025-10-23 | Hansen, Michael L.Director | 81K | $1.2M | 0.440% | 2025-10-27 | Robert W. Baird & Co. Incorporated |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON1 holder reports 5% or more of WSBF in its latest filing, on Schedule 13G (passive). The holder is BlackRock, Inc. at 7.1% of the class (1,306,996 shares), filed 2026-01-21 for an event on 2025-12-31.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-01-21 | 13G/Ano. 7 | BlackRock, Inc.parent holding company | 1.3M | 7.1% | 2025-12-31 |
13F holders
Tracked managers holding WSBF at their latest 13F. JSON5 of the 30 tracked managers held WSBF at their latest 13F, $29.8M in total at quarter-end prices. Renaissance Technologies is the largest at $21.8M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 1 added shares and 4 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| Renaissance Technologies | 2026-06-30 | 1.1M | $21.8M | 0.03% | -43K |
| AQR Capital Management | 2026-06-30 | 259K | $5.4M | 0.00% | +34K |
| Two Sigma Investments | 2026-06-30 | 65K | $1.3M | 0.00% | -21K |
| D. E. Shaw & Co. | 2026-06-30 | 34K | $703K | 0.00% | -7K |
| Citadel Advisors | 2026-06-30 | 27K | $562K | 0.00% | -12K |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn FY 2025 it generated $24.2M of operating cash flow and spent $16.2M on buybacks and $10.8M on dividends.
- Debt
- $412.0M
- Equity
- $351.1M
- Total assets
- $2.25B
- Shares outstanding
- 17,977,028
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | n/a | $8.5M | n/a | 0.49 |
| Q1 FY 2026 | 2026-03-31 | n/a | $6.0M | n/a | 0.34 |
| Q4 FY 2025derived | 2025-12-31 | n/a | $7.7M | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | $7.9M | n/a | 0.45 |
| Q2 FY 2025 | 2025-06-30 | n/a | $7.7M | n/a | 0.43 |
| Q1 FY 2025 | 2025-03-31 | n/a | $3.0M | n/a | 0.17 |
| Q4 FY 2024derived | 2024-12-31 | n/a | $5.2M | n/a | n/a |
| Q3 FY 2024 | 2024-09-30 | n/a | $4.7M | n/a | 0.26 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | n/a | $26.4M | $24.2M | $1.2M | $16.2M | $10.8M |
| FY 2024 | 2024-12-31 | n/a | $18.7M | $48.1M | $1.1M | $14.9M | $11.3M |
| FY 2023 | 2023-12-31 | n/a | $9.4M | -$27.6M | $700K | $26.0M | $15.4M |
| FY 2022 | 2022-12-31 | n/a | $19.5M | $206.7M | $701K | $47.8M | $30.3M |
| FY 2021 | 2021-12-31 | n/a | $70.8M | $142.0M | $778K | $10.2M | $30.4M |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-31 from the cover page.
What this page is
Waterstone Financial in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Waterstone Financial (WSBF), SEC CIK 1569994, listed on Nasdaq, classified by the SEC as savings institution, federally chartered. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-09-30.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-09.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-10.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-08-14.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-01-21.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-07-23.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-08-13.JSON and CSV
- Company record
- EDGAR filing index for CIK 1569994Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
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Other company pages
Datasets
Frequently Asked Questions
How much of WSBF is sold short?
What is WSBF's daily short volume?
Does WSBF have fails to deliver?
Are WSBF insiders buying or selling?
Have WSBF insiders filed to sell?
Who owns 5% or more of WSBF?
What did WSBF report last quarter?
Which tracked 13F managers own WSBF?
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.