<p>Waterstone Financial, Inc. 是 WaterStone Bank 的储蓄和贷款控股公司，WaterStone Bank 是一家以社区为中心的金融机构，提供广泛的个人和商业银行产品，并在威斯康星州东南部运营，在全国抵押贷款领域具有强大的影响力。</p>
<p>Waterstone Financial 最近公布了 2025 年第三季度的财务业绩，与去年同期相比，净收入和每股收益显著改善。公司报告的净收入为 790 万美元，或每稀释股 0.45 美元，较 2024 年第三季度的 470 万美元，或每稀释股 0.26 美元大幅增长。</p>
<p>公司的社区银行业务部门的净利息收入显著增长 19.3%，这得益于贷款收益率的提高和融资成本的降低。此外，抵押贷款银行业务部门实现了连续第二个季度的税前收入，得益于有效的费用管理和改善的利润率。Waterstone Financial 还通过强劲的收益、股票回购和有利的投资证券估值，在本季度将每股账面价值提高了 0.61 美元。</p>
<p>Waterstone Financial 的综合平均资产回报率和股本回报率也显著改善，反映了公司的强健财务状况。本季度的平均资产回报率为 1.42%，平均股本回报率为 9.14%。公司宣布每股季度分红为 0.15 美元，并回购了约 270,000 股，进一步提升了股东价值。</p>
<p>展望未来，Waterstone Financial 仍然专注于维持其财务业绩，并利用社区和抵押贷款银行业务部门的增长机会。管理层继续强调强大的资产质量和战略财务管理，以应对不断变化的市场环境。</p>

WSBF

<p>Waterstone Financial, Inc. 报告了 2025 年第三季度强劲的收益，净收入从 2024 年的 470 万美元（每股摊薄收益 0.26 美元）上升至 790 万美元（每股摊薄收益 0.45 美元）。社区银行业务部门的净利息收入增长了 19.3%，而抵押贷款银行业务部门连续第二个季度实现了税前收入。公司每股账面价值提高了 0.61 美元，并宣布季度股息为 0.15 美元。Waterstone Financial 旨在维持其业绩并探索银行业务部门的增长机会</p>

<p>Waterstone Financial, Inc. is a savings and loan holding company for WaterStone Bank, a community-focused financial institution that offers a wide range of personal and business banking products and operates across southeastern Wisconsin, with a strong presence in the mortgage lending sector nationwide.</p>
<div class="lb-trans"><p>Waterstone Financial, Inc. 是 WaterStone Bank 的储蓄和贷款控股公司，WaterStone Bank 是一家以社区为中心的金融机构，提供广泛的个人和商业银行产品，并在威斯康星州东南部运营，在全国抵押贷款领域具有强大的影响力。</p>
</div><p>Waterstone Financial recently announced its financial results for the third quarter of 2025, showcasing a significant improvement in net income and earnings per share compared to the same period last year. The company reported a net income of $7.9 million, or $0.45 per diluted share, marking a substantial increase from $4.7 million, or $0.26 per diluted share, in the third quarter of 2024.</p>
<div class="lb-trans"><p>Waterstone Financial 最近公布了 2025 年第三季度的财务业绩，与去年同期相比，净收入和每股收益显著改善。公司报告的净收入为 790 万美元，或每稀释股 0.45 美元，较 2024 年第三季度的 470 万美元，或每稀释股 0.26 美元大幅增长。</p>
</div><p>The company’s Community Banking segment saw a notable rise in net interest income by 19.3%, driven by higher yields on loans and reduced funding costs. Additionally, the Mortgage Banking segment achieved a second consecutive quarter of pre-tax income, aided by effective expense management and improved margins. Waterstone Financial also enhanced its book value per share by $0.61 during the quarter through strong earnings, share repurchases, and favorable investment security valuations.</p>
<div class="lb-trans"><p>公司的社区银行业务部门的净利息收入显著增长 19.3%，这得益于贷款收益率的提高和融资成本的降低。此外，抵押贷款银行业务部门实现了连续第二个季度的税前收入，得益于有效的费用管理和改善的利润率。Waterstone Financial 还通过强劲的收益、股票回购和有利的投资证券估值，在本季度将每股账面价值提高了 0.61 美元。</p>
</div><p>Waterstone Financial’s consolidated return on average assets and equity also improved significantly, reflecting the company’s robust financial health. The return on average assets was 1.42%, and the return on average equity was 9.14% for the quarter. The company declared a quarterly dividend of $0.15 per share and repurchased approximately 270,000 shares, further boosting shareholder value.</p>
<div class="lb-trans"><p>Waterstone Financial 的综合平均资产回报率和股本回报率也显著改善，反映了公司的强健财务状况。本季度的平均资产回报率为 1.42%，平均股本回报率为 9.14%。公司宣布每股季度分红为 0.15 美元，并回购了约 270,000 股，进一步提升了股东价值。</p>
</div><p>Looking ahead, Waterstone Financial remains focused on sustaining its financial performance and capitalizing on growth opportunities within its Community and Mortgage Banking segments. The management continues to emphasize strong asset quality and strategic financial management to navigate the evolving market landscape.</p>
<div class="lb-trans"><p>展望未来，Waterstone Financial 仍然专注于维持其财务业绩，并利用社区和抵押贷款银行业务部门的增长机会。管理层继续强调强大的资产质量和战略财务管理，以应对不断变化的市场环境。</p>
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Waterstone Financial 公布强劲的第三季度财报