What SEC filings does Waterstone Financial, Inc. submit to the SEC?

Waterstone Financial, Inc. (WSBF) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about WSBF?

A Form 4 for WSBF discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from Waterstone Financial, Inc.?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for WSBF?

The 10-K is Waterstone Financial, Inc.'s annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all WSBF SEC filings directly on EDGAR?

You can view all historical Waterstone Financial, Inc. filings on the SEC EDGAR company page for WSBF. Each filing card on this page links directly to the original SEC document.

How often does Waterstone Financial, Inc. file with the SEC?

Waterstone Financial, Inc. files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling WSBF shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

WSBF SEC Filing News — Waterstone Financial, Inc.

Latest SEC filings for Waterstone Financial, Inc. (WSBF) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-10-16.

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; …

Sector: Financial Services Industry: Banks - Regional Market Cap: $358.1M CIK: 1569994

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

Rule-based classifications for WSBF currently lean bearish. Of the 20 filing records displayed, 6 carry bearish classifications (such as insider sales or negative 8-K disclosures) versus 0 bullish. This does not necessarily signal fundamental deterioration — insiders sell for many reasons — but it is worth monitoring alongside the company's core financial metrics.

WSBF Filing Activity Snapshot 2026-02-04 — 2026-10-16

Insider Transactions (Form 4)

0 buys vs 6 sells

Net insider selling in this period — insiders sell for many reasons beyond conviction.

Largest Form 144 Filing

$1.32M

Gordon Douglas S · 2026-02-04

71,555 shares · Form 144

Form 144 Notices

Proposed insider sales filed — Form 144 is a notice of intent, not a confirmed transaction. Actual sales are confirmed via Form 4.

Insider Transactions 6 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 6 filings in this group are Form 4s for Waterstone Financial, Inc.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 6 insider filings shown, the breakdown is 6 open-market sale. 6 of them involved a discretionary open-market trade; the rest are compensation and administrative mechanics.

What each transaction type means

Open-market sale ×6: The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Form 4 Open-market sale Insider Selling 2026-08-17

WSBF insider Gordon Ryan J (EVP/Chief Credit Officer) sold 8,157 shares (~$172.4K)

Gordon Ryan J, listed as EVP/Chief Credit Officer at Waterstone Financial, Inc., reported an open-market sale of 8,157 WSBF shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`M`	Option exercise	10,000	$17.20	$172.0K
`S`	Open-market sale	620	$21.10	$13.1K
`S`	Open-market sale	1,300	$21.11	$27.4K
`S`	Open-market sale	6,237	$21.14	$131.9K
`M`	Option exercise derivative · Stock Option	10,000	$17.20	$172.0K

Filing: Form 4 (Insider Transaction) Insider: Gordon Ryan J (EVP/Chief Credit Officer) Shares: 8,157 Est. Value: $172.4K

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market sale Insider Selling 2026-05-22

WSBF insider Gerke Mark Raymond (EVP/Chief Financial Officer) sold 10,000 shares (~$183.4K)

Gerke Mark Raymond, listed as EVP/Chief Financial Officer at Waterstone Financial, Inc., reported an open-market sale of 10,000 WSBF shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`M`	Option exercise	10,000	$14.98	$149.8K
`S`	Open-market sale	10,000	$18.34	$183.4K
`M`	Option exercise derivative · Stock Option	10,000	—	—

Filing: Form 4 (Insider Transaction) Insider: Gerke Mark Raymond (EVP/Chief Financial Officer) Shares: 10,000 Est. Value: $183.4K

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market sale Insider Selling 2026-02-20

WSBF insider Gordon Douglas S (Director) sold 2,880 shares (~$52.2K)

Gordon Douglas S, listed as Director at Waterstone Financial, Inc., reported an open-market sale of 2,880 WSBF shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`S`	Open-market sale	2,880	$18.11	$52.2K

Filing: Form 4 (Insider Transaction) Insider: Gordon Douglas S (Director) Shares: 2,880 Est. Value: $52.2K

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market sale Insider Selling 2026-02-10

WSBF insider Gordon Douglas S (Director) sold 6,765 shares (~$123.6K)

Gordon Douglas S, listed as Director at Waterstone Financial, Inc., reported an open-market sale of 6,765 WSBF shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`S`	Open-market sale	6,765	$18.27	$123.6K

Filing: Form 4 (Insider Transaction) Insider: Gordon Douglas S (Director) Shares: 6,765 Est. Value: $123.6K

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market sale Insider Selling 2026-02-06

WSBF insider Gordon Douglas S (Director) sold 33,716 shares (~$619.8K)

Gordon Douglas S, listed as Director at Waterstone Financial, Inc., reported an open-market sale of 33,716 WSBF shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`S`	Open-market sale	15,000	$18.55	$278.3K
`S`	Open-market sale	18,716	$18.25	$341.6K

Filing: Form 4 (Insider Transaction) Insider: Gordon Douglas S (Director) Shares: 33,716 Est. Value: $619.8K

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market sale Insider Selling 2026-02-05

WSBF insider Lawton Patrick S (Director) sold 49,255 shares (~$914.8K)

Lawton Patrick S, listed as Director at Waterstone Financial, Inc., reported an open-market sale of 49,255 WSBF shares in a Form 4 filing. This is a confirmed insider sale, not just a proposed sale notice.

The insider sold shares on the open market. Sales may be discretionary or executed automatically under a pre-arranged Rule 10b5-1 trading plan, and a Form 4 does not always make clear which applies.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`S`	Open-market sale	30,000	$18.53	$555.9K
`S`	Open-market sale	19,255	$18.64	$358.9K

Filing: Form 4 (Insider Transaction) Insider: Lawton Patrick S (Director) Shares: 49,255 Est. Value: $914.8K

View on SEC EDGAR → Open Filing Document →

Proposed Insider Sales 3 · Form 144

A Form 144 is a notice of intent to sell restricted or control securities. It is not a record that anything was sold. Waterstone Financial, Inc. has 3 such notices in this period.

The distinction matters because a Form 144 is frequently reported as though it were a completed insider sale. The filer may sell all of the shares covered, some of them, or none at all, and there is no obligation to update the notice either way. A sale that is actually executed by an officer or director shows up separately on a Form 4, which is the filing to check before treating a proposed sale as a real one.

Form 144 Proposed Insider Sale 2026-08-14

WSBF Form 144 filed for proposed insider sale by Ryan Gordon (8,157 shares) ~$172.4K

Ryan Gordon filed a Form 144 with the SEC indicating intent to sell WSBF (Waterstone Financial, Inc.) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4.

Filing: Form 144 (Proposed Sale Notice) Insider: Ryan Gordon Shares: 8,157 Est. Value: $172.4K

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-05-21

WSBF Form 144 filed for proposed insider sale by Mark Gerke (10,000 shares) ~$185.0K

Mark Gerke filed a Form 144 with the SEC indicating intent to sell WSBF (Waterstone Financial, Inc.) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4.

Filing: Form 144 (Proposed Sale Notice) Insider: Mark Gerke Shares: 10,000 Est. Value: $185.0K

View on SEC EDGAR → Open Filing Document →

Form 144 Proposed Insider Sale 2026-02-04

WSBF Form 144 filed for proposed insider sale by Gordon Douglas S (71,555 shares) ~$1.32M

Gordon Douglas S filed a Form 144 with the SEC indicating intent to sell WSBF (Waterstone Financial, Inc.) shares. Form 144 reflects a proposed sale, not a completed transaction. The actual execution, if any, would typically appear later in a Form 4.

Filing: Form 144 (Proposed Sale Notice) Insider: Gordon Douglas S Shares: 71,555 Est. Value: $1.32M

View on SEC EDGAR → Open Filing Document →

Material Events 8 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There are 8 in this period for Waterstone Financial, Inc. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-10-16