WSBF / Waterstone Financial, Inc. - Документы SEC, Годовой отчет, Доверенное заявление

Уотерстоун Финансовый, Инк.
US ˙ NasdaqGS ˙ US94188P1012

Основная статистика
LEI 5493002KM21XRC2DCQ02
CIK 1569994
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Waterstone Financial, Inc.
SEC Filings (Chronological Order)
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August 7, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 ☐ Transition report pursuant to S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name

July 22, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 22, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

July 22, 2025 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2025. WAUWATOSA, WI – 7/22/25– Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $7.7 million, or $0.43 per diluted share, for the quarter ended June 30, 2025 compared to $5.7 million, or $0.31 per diluted share, for the quarter

July 9, 2025 EX-99.1

Waterstone Financial Announces Election of New Board Members

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE Waterstone Financial Announces Election of New Board Members Wauwatosa, Wis. — July 9, 2025 — Waterstone Financial, Inc. (NASDAQ: WSBF) announced today that its Board of Directors has elected Molly M

July 9, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 8, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

June 17, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 17, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

June 17, 2025 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 6/17/2025 — On June 17, 2025, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular qu

June 6, 2025 11-K

WATERSTONE BANK SSB 401(K) PLAN Wauwatosa, Wisconsin Financial Statements and Supplemental Information As of December 31, 2024 and 2023 and for the Year Ended December 31, 2024 Table of Contents

WATERSTONE BANK SSB 401(K) PLAN Wauwatosa, Wisconsin Financial Statements and Supplemental Information As of December 31, 2024 and 2023 and for the Year Ended December 31, 2024 Table of Contents Report of Independent Registered Public Accounting Firm 3 Financial Statements Statements of Net Assets Available for Benefits 4 Statement of Changes in Net Assets Available for Benefits 5 Notes to Financi

May 20, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 20, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

May 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 ☐ Transition report pursuant to

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact nam

April 22, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 22, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 22, 2025 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

EX-99.1 2 ex785229.htm EXHIBIT 99.1 Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2025. WAUWATOSA, WI – 4/22/25– Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.0 million, or $0.17 per diluted share, for the quarter ended March 31, 2025 compared to $3.0 million, or $0.16 per diluted

April 17, 2025 EX-99.1

WATERSTONE FINANCIAL ANNOUNCES DIRECTOR RETIREMENT

Exhibit 99.1 Contact: WATERSTONE FINANCIAL, INC. Mark R. Gerke WATERSTONE BANK Chief Financial Officer 11200 W. PLANK CT. 414.459.4012 WAUWATOSA, WI 53226 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL ANNOUNCES DIRECTOR RETIREMENT Wauwatosa, Wis. — 4/17/2025 — Waterstone Financial, Inc. (the “Company”), announced today that Michael Hansen has decided to retire as a Director of

April 17, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 17, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 10, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to Section 240.

March 20, 2025 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 20, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

March 20, 2025 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 3/20/2025 — On March 20, 2025, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular q

February 28, 2025 EX-97.2

Clawback Policy Amendment

Exhibit 97.2 WATERSTONE FINANCIAL, INC. CLAWBACK POLICY AMENDMENT The Board of Directors (the “Board”) of Waterstone Financial, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of Erroneously Awarded Compensation in the event the Company is required to prepare an Account

February 28, 2025 EX-97.1

Clawback Policy

Exhibit 97.1 Waterstone Financial, Inc. Compensation Clawback Policy Overview and Purpose The Compensation Committee of the Board of Directors (the “Compensation Committee”) of Waterstone Financial, Inc. (the “Company”) believes it to be in the best interests of the Company and its stockholders to keep current with “best practices” in compensation matters and risk management. The Committee, theref

February 28, 2025 EX-19.1

Insider Trader Policy

Exhibit 19.1 Policy for Disclosure of Inside Information and Trading In the Securities of Waterstone Financial, Inc., Including Hedging and Pledging Introduction In view of the responsibilities and potential liabilities arising under the federal and state securities laws with respect to the use and disclosure of confidential information, the Board of Directors of Waterstone Financial, Inc. (the “C

February 28, 2025 EX-21.1

List of Subsidiaries

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2024. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

February 28, 2025 10-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as specified in i

February 28, 2025 EX-10.3

Employment Agreement By and Between Waterstone Mortgage Corporation and Jeff McGuiness †

EXHIBIT 10.3 WATERSTONE MORTGAGE CORPORATION EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (“Agreement”) dated this 24th day of April, 2024, by and between Waterstone Mortgage Corporation, a Wisconsin corporation (“Company”), Waterstone Financial, Inc. (“WSBF” solely for purposes of its obligations pursuant to Sections 3(a) through 3(c), below) and Jeffrey McGuiness (“Executive”). WHEREAS, Compan

January 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 28, 2025 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

January 28, 2025 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2024. WAUWATOSA, WI – 1/28/25– Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $5.2 million, or $0.28 per diluted share, for the quarter ended December 31, 2024 compared to net loss of $40,000, or less than $0.01 per diluted shar

December 19, 2024 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 12/19/2024 — On December 19, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regul

December 19, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 19, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commi

November 4, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 ☐ Transition report pursuant

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact

October 22, 2024 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2024. WAUWATOSA, WI – 10/22/2024 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $4.7 million, or $0.26 per diluted share, for the quarter ended September 30, 2024 compared to net income of $3.3 million, or $0.16 per di

October 22, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 22, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

September 24, 2024 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 9/24/2024 — On September 24, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regul

September 24, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): September 24, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Comm

August 6, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2024 ☐ Transition report pursuant to S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2024 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name

July 25, 2024 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2024. WAUWATOSA, WI – 7/25/2024 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $5.7 million, or $0.31 per diluted share, for the quarter ended June 30, 2024 compared to net income of $4.0 million, or $0.20 per diluted share

July 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 25, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

June 18, 2024 11-K

WATERSTONE BANK SSB 401(K) PLAN Wauwatosa, Wisconsin Financial Statements and Supplemental Information As of December 31, 2023 and 2022 and for the Year Ended December 31, 2023 Table of Contents

WATERSTONE BANK SSB 401(K) PLAN Wauwatosa, Wisconsin Financial Statements and Supplemental Information As of December 31, 2023 and 2022 and for the Year Ended December 31, 2023 Table of Contents Report of Independent Registered Public Accounting Firm 2 Financial Statements Statements of Net Assets Available for Benefits 3 Statement of Changes in Net Assets Available for Benefits 4 Notes to Financi

June 18, 2024 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 6/18/2024 — On June 18, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular qu

June 18, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 18, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

May 21, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 21, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

May 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 ☐ Transition report pursuant to

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact nam

April 30, 2024 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2024. WAUWATOSA, WI – 4/30/2024 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.0 million, or $0.16 per diluted share, for the quarter ended March 31, 2024 compared to net income of $2.2 million, or $0.10 per diluted share for the quart

April 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 30, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 25, 2024 EX-10.1

Employment Agreement between Waterstone Mortgage Corporation and Jeffrey McGuiness

Exhibit 10.1 WATERSTONE MORTGAGE CORPORATION EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (“Agreement”) dated this 24th day of April, 2024, by and between Waterstone Mortgage Corporation, a Wisconsin corporation (“Company”), Waterstone Financial, Inc. (“WSBF” solely for purposes of its obligations pursuant to Sections 3(a) through 3(c), below) and Jeffrey McGuiness (“Executive”). WHEREAS, Compan

April 25, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 24, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 23, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 23, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 23, 2024 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCES EXPANSION OF SHARE REPURCHASE PROGRAM

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCES EXPANSION OF SHARE REPURCHASE PROGRAM Wauwatosa, Wis. — 4/23/2024 — Waterstone Financial, Inc. (NASDAQ: WSBF) (the "Company") announced that on April 23, 2023, it

April 11, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 14A (RULE 14a-101) PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Definitive Additional Materials ☐ Soliciting Material Pursuant to Section 240.

March 22, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 21, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

March 22, 2024 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 3/22/2024 — On March 21, 2024, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular q

March 6, 2024 10-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as specified in i

March 6, 2024 EX-97

Clawback Policy, Effective December 1, 2023

Exhibit 97 WATERSTONE FINANCIAL, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of Waterstone Financial, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of Erroneously Awarded Compensation in the event the Company is required to prepare an Accounting Restatem

March 6, 2024 EX-21.1

List of Subsidiaries (5)

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2023. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

February 12, 2024 SC 13G/A

WSBF / Waterstone Financial, Inc. / PRINCIPAL FINANCIAL GROUP INC - 13G/A WATERSTONE FINANCIAL, INC. - AMDT 8 123123 Passive Investment

SC 13G/A 1 a13gawaterstonefinancialin.htm 13G/A WATERSTONE FINANCIAL, INC. - AMDT 8 123123 CUSIP No. 94188P101 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 8) * Waterstone Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 94188P1

February 9, 2024 SC 13G/A

WSBF / Waterstone Financial, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 7 )* Waterstone Financial Inc (Name of Issuer) Common Stock (Title of Class of Securities) 94188P101 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th

January 30, 2024 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2023. WAUWATOSA, WI – 1/30/2024 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported a net loss of $40,000, or less than $0.01 per diluted share, for the quarter ended December 31, 2023 compared to net income of $935,000, or $0.04 per diluted sha

January 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 30, 2024 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

December 21, 2023 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 12/21/2023 — On December 21, 2023, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regul

December 21, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 21, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commi

November 2, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 ☐ Transition report pursuant

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact

October 24, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 24, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

October 24, 2023 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2023. WAUWATOSA, WI – 10/24/2023 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $3.3 million, or $0.16 per diluted share for the quarter ended September 30, 2023 compared to $5.3 million, or $0.25 per diluted share for

September 26, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): September 26, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Comm

September 26, 2023 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 09/26/2023 — Waterstone Financial, Inc. (Waterstone) today announced a strategic decision to reduce its dividend payout

August 2, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 ☐ Transition report pursuant to S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name

July 25, 2023 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2023. WAUWATOSA, WI – 7/25/2023 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $4.0 million, or $0.20 per diluted share for the quarter ended June 30, 2023 compared to $8.0 million, or $0.36 per diluted share for the quarter

July 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 25, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

July 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 25, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

July 25, 2023 EX-99.1

WATERSTONE FINANCIAL ANNOUNCES PLANNED RETIREMENT OF DOUGLAS S. GORDON AND ELECTION OF WILLIAM F. BRUSS AS NEXT CEO

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: William F. Bruss President 414.761.4100 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL ANNOUNCES PLANNED RETIREMENT OF DOUGLAS S. GORDON AND ELECTION OF WILLIAM F. BRUSS AS NEXT CEO Wauwatosa, Wis. — 07/25/2023 — Waterstone Financial, Inc. (NASDAQ: WSBF), announced today t

June 29, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 29, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

June 29, 2023 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 06/29/2023 — On June 29, 2023, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular q

June 1, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36271 (Waterstone Financial, Inc.) A. Full t

May 24, 2023 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM Wauwatosa, Wis. — 05/24/2023 — Waterstone Financial, Inc. (NASDAQ: WSBF) (the "Company") announced that on May 24, 2023, its Board of Dir

May 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 24, 2023 Waterstone Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 24, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

May 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 16, 2023 Waterstone Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 16, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

May 2, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 ☐ Transition report pursuant to

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact nam

April 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 25, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 25, 2023 EX-99

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2023. WAUWATOSA, WI – 4/25/2023 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $2.2 million, or $0.10 per diluted share for the quarter ended March 31, 2023 compared to $5.3 million, or $0.23 per diluted share for the quarter ended March

April 11, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a‑6(e)(2)) ☐ Definitive Proxy State

April 6, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6l(2)) ☒ Definitive Proxy Stateme

March 22, 2023 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 03/22/2023 — On March 22, 2023, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular

March 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 22, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

March 3, 2023 EX-16

Letter regarding change in certifying accountant.

EXHIBIT 16 CliftonLarsonAllen LLP CLAconnect.com March 3, 2023 Securities and Exchange Commission Washington, D.C. 20549 We have read the statements made by Waterstone Financial, Inc. pursuant to Item 4.01(a) of the Current Report on Form 8-K/A dated March 3, 2023, which we understand will be filed with the Securities and Exchange Commission. We agree with the statements concerning our firm in suc

March 3, 2023 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K/A Amendment No. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 17, 202

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K/A Amendment No. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 17, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of inco

February 28, 2023 EX-21.1

List of Subsidiaries (6)

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2022. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

February 28, 2023 10-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant

February 10, 2023 SC 13G/A

WSBF / Waterstone Financial Inc / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 6 )* Waterstone Financial Inc (Name of Issuer) Common Stock (Title of Class of Securities) 94188P101 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate b

February 7, 2023 SC 13G/A

WSBF / Waterstone Financial Inc / PRINCIPAL FINANCIAL GROUP INC - SC13G/A WATERSTONE FINANCIAL, INC. AMDT 7 Passive Investment

SC 13G/A 1 f24214d1.htm SC13G/A WATERSTONE FINANCIAL, INC. AMDT 7 CUSIP No. 94188P101 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 7)* Waterstone Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 94188P101 (CUSIP Number) December

January 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 26, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

January 26, 2023 EX-99

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Year Ended December 31, 2022. WAUWATOSA, WI – 1/26/2023 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $935,000, or $0.04 per diluted share for the quarter ended December 31, 2022 compared to $12.6 million, or $0.53 per diluted share for the quarter ended Decemb

January 17, 2023 EX-16

Letter regarding change in certifying accountant

EXHIBIT 16 CliftonLarsonAllen LLP CLAconnect.com January 17, 2023 Securities and Exchange Commission Washington, D.C. 20549 We have read the statements made by Waterstone Financial, Inc. pursuant to Item 4.01(a) of the Current Report on Form 8-K dated January 17, 2023, which we understand will be filed with the Securities and Exchange Commission. We agree with the statements concerning our firm in

January 17, 2023 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 17, 2023 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

December 15, 2022 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. ? 12/15/2022 ? On December 15, 2022, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regul

December 15, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 15, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commi

November 2, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 ☐ Transition report pursuant

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact

October 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 26, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commis

October 26, 2022 EX-99

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2022. WAUWATOSA, WI ? 10/26/2022 ? Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $5.3 million, or $0.25 per diluted share for the quarter ended September 30, 2022 compared to $19.0 million, or $0.79 per diluted share fo

September 27, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): September 27, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Comm

September 27, 2022 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. ? 9/27/2022 ? On September 27, 2022, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regul

August 3, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2022 ☐ Transition report pursuant to S

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2022 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name

July 21, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 21, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

July 21, 2022 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2022. WAUWATOSA, WI ? 7/21/2022 ? Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $8.0 million, or $0.36 per diluted share for the quarter ended June 30, 2022 compared to $17.9 million, or $0.74 per diluted share for the quarte

June 23, 2022 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. ? 6/23/2022 ? On June 23, 2022, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular qu

June 23, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 23, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissio

June 9, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K

11-K 1 wsbf2022052011k.htm FORM 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36271 (Wa

May 19, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 17, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

May 6, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2022 ☐ Transition report pursuant to

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2022 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact nam

April 21, 2022 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2022. WAUWATOSA, WI ? 4/21/2022 ? Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $5.3 million, or $0.23 per diluted share for the quarter ended March 31, 2022 compared to $21.3 million, or $0.89 per diluted share for the quarter ended March

April 21, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 21, 2022 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commissi

April 7, 2022 DEF 14A

WATERSTONE FINANCIAL, INC. 11200 W. Plank Ct. Wauwatosa, Wisconsin 53226 (414) 761-1000 NOTICE OF ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON MAY 17, 2022

April 7, 2022 Dear Fellow Shareholder, We invite you to attend the virtual Waterstone Financial, Inc.

March 15, 2022 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. ? 3/15/2022 ? On March 15, 2022, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular q

March 15, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 15, 2022 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Num

February 28, 2022 10-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Commission file number: 001-36271 WATERSTONE F

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as specified in its charter) Maryland 90-1026709 (State or other jurisdiction of incorporation or organizatio

February 28, 2022 EX-21.1

You’ve Exceeded the SEC’s Traffic Limit

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2021. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

February 8, 2022 SC 13G/A

WSBF / Waterstone Financial Inc / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5 )* Waterstone Financial Inc (Name of Issuer) Common Stock (Title of Class of Securities) 94188P101 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate b

February 7, 2022 SC 13G/A

WSBF / Waterstone Financial Inc / PRINCIPAL FINANCIAL GROUP INC - 13G/A WATERSTONE FINANCIAL, INC. AMDT 6 123121 Passive Investment

SC 13G/A 1 f10911d1.htm 13G/A WATERSTONE FINANCIAL, INC. AMDT 6 123121 CUSIP No. 94188P101 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 6)* Waterstone Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 94188P101 (CUSIP Number) Dec

January 27, 2022 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2021. Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $12.6 million, or $0.53 per dilut

January 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

January 25, 2022 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCEMENTS APPOINTMENT OF NEW PRESIDENT AND OFFICERS

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCEMENTS APPOINTMENT OF NEW PRESIDENT AND OFFICERS Wauwatosa, Wis. ? 01/25/22 ? Waterstone Financial, Inc. (NASDAQ: WSBF) announced that on January 24, 2022, William B

January 25, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2022 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

December 15, 2021 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY AND SPECIAL CASH DIVIDENDS

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY AND SPECIAL CASH DIVIDENDS Wauwatosa, Wis. ? 12/15/2021 ? On December 15, 2021, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) dec

December 15, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 15, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

December 10, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

December 10, 2021 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark Gerke Chief Financial Officer 414.459.4012 FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM Wauwatosa, WI - Waterstone Financial, Inc. (NASDAQ: WSBF) (the "Company") announced that on December 10, 2021, its Board of Directors authorized a share repurchase

November 9, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2021 ☐ Transition report pursuant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2021 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registran

October 19, 2021 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2021. Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $19.0 million, or $0.79 p

October 19, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 19, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

September 21, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 21, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

September 21, 2021 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. ? 09/21/2021 ? On September 21, 2021, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regu

August 3, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2021 ☐ Transition report pursuant to S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2021 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as

July 20, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 20, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Numb

July 20, 2021 EX-99.1

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2021. WAUWATOSA, WI ? 07/20/2021 ? Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $1

June 15, 2021 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. ? 06/15/2021 ? On June 15, 2021, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular q

June 15, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 15, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Numb

June 3, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36271 (Waterstone Financial, Inc.) A. Full t

June 2, 2021 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 27, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Numbe

June 2, 2021 EX-16.1

Letter regarding change in certifying accountant

Exhibit 16 June 2, 2021 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read Waterstone Financial Inc.?s statements included under Item 4.01(a) of its Form 8-K filed on June 2, 2021 and we agree with such statements concerning our firm.

June 2, 2021 EX-16

EX-16

30 South Wacker Dr., Ste. 3300 Chicago, IL 60606-7481 O +1 312 634 3400 F +1 312 634 5529 www.rsmus.com June 2, 2021 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read Waterstone Financial Inc.’s statements included under Item 4.01(a) of its Form 8-K filed on June 2, 2021 and we agree with such statements concerning our firm.

June 1, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Numbe

June 1, 2021 EX-99.1

WATERSTONE FINANCIAL DECLARES SPECIAL CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES SPECIAL CASH DIVIDEND Wauwatosa, Wis. ? 06/01/2021 ? On May 28, 2021 the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a special dividend of $

May 20, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Numbe

May 5, 2021 10-Q

Quarterly Report -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2021 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as

April 26, 2021 EX-99.1

- 5 -

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2021. WAUWATOSA, WI ? 04/26/2021 ? Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $21.3 million, o

April 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Num

April 8, 2021 DEF 14A

-

UNITED STATES SECURITIES AND EXCHANGE COMMISSSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defi

March 16, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 16, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Num

March 16, 2021 EX-99.1

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 03/16/2021 — On March 16, 2021, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a regular

March 2, 2021 10-K

Annual Report -

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as specified in its charter) Maryland 90-1026709 (State or other jurisdiction of incorporation or organizatio

March 2, 2021 EX-21.1

List of Subsidiaries (7)

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2020. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

February 12, 2021 SC 13G/A

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Waterstone Financial Inc (Name of Issuer) Common Stock (Title of Class of Securities) 94188P101 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th

February 11, 2021 SC 13G/A

(Name of Issuer)

CUSIP No. 94188P101 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 5) * Waterstone Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 94188P101 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement)

February 10, 2021 EX-99.1

Waterstone Financial Announces Election of New Board Member Derek L. Tyus

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Amy Kutka Community Relations Coordinator 414-459-4183 [email protected] FOR IMMEDIATE RELEASE Waterstone Financial Announces Election of New Board Member Derek L. Tyus WAUWATOSA, Wis. – 2/10/2021 – Waterstone Financial, Inc. (NASDAQ: WSBF) announced today that on February 8, 2021, its Boar

February 10, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

January 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2021 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

January 28, 2021 EX-99.1

- 5 -

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2020. WAUWATOSA, WI – 01/28/2021 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $27.

December 18, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 17, 2020 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

December 18, 2020 EX-99.1

WATERSTONE FINANCIAL DECLARES FIRST QUARTER 2021 DIVIDEND; BOARD APPROVES 66% PAYMENT INCREASE

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES FIRST QUARTER 2021 DIVIDEND; BOARD APPROVES 66% PAYMENT INCREASE Wauwatosa, Wis. — 12/17/2020 — On December 17, 2020, the Board of Directors of Waterstone Financial, Inc

November 19, 2020 EX-99.1

WATERSTONE FINANCIAL DECLARES SPECIAL DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES SPECIAL DIVIDEND Wauwatosa, Wis. ? 11/19/2020 ? On November 17, 2020 the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a special dividend of $

November 19, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 19, 2020 Waterstone Financial, Inc. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

November 4, 2020 10-Q

Quarterly Report -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2020 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registran

November 3, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 3, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

October 26, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

October 26, 2020 EX-99.1

WATERSTONE FINANCIAL, INC.

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2020. WAUWATOSA, WI – 10/26/2020 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for

October 1, 2020 EX-10.5

Form of Performance Based Restricted Stock Unit Agreement

EXHIBIT 10.5 PERFORMANCE AWARD RESTRICTED STOCK UNITS Granted by WATERSTONE FINANCIAL, INC. under the WATERSTONE FINANCIAL, INC. 2020 OMNIBUS INCENTIVE PLAN This Performance Award Agreement for Restricted Stock Units (“Performance Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Omnibus Incentive Plan (the “Plan”) of Waterstone Financial, Inc. (the “Comp

October 1, 2020 EX-10.2

Form of Incentive Stock Option Agreement

EXHIBIT 10.2 Incentive Stock Option Granted by Waterstone Financial, Inc. under the Waterstone Financial, Inc. 2020 Omnibus Incentive Plan This incentive stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Omnibus Incentive Plan (the “Plan”) of Waterstone Financial, Inc. (the “Company”) which are incorporated herein by reference an

October 1, 2020 EX-10.6

Form of Performance Based Restricted Stock Award Agreement

EXHIBIT 10.6 PERFORMANCE AWARD RESTRICTED STOCK AWARD Granted by WATERSTONE FINANCIAL, INC. under the WATERSTONE FINANCIAL, INC. 2020 OMNIBUS INCENTIVE PLAN This Performance Award Agreement for Restricted Stock (“Performance Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Omnibus Incentive Plan (the “Plan”) of Waterstone Financial, Inc. (the “Company”)

October 1, 2020 EX-10.3

Form of Non-Qualified Stock Option Agreement

EXHIBIT 10.3 Non-Qualified Stock Option Granted by Waterstone Financial, Inc. under the Waterstone Financial, Inc. 2020 Omnibus Incentive Plan This non-qualified stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Omnibus Incentive Plan (the “Plan”) of Waterstone Financial, Inc. (the “Company”) which are incorporated herein by refe

October 1, 2020 EX-10.4

Form of Restricted Stock Award Agreement

EXHIBIT 10.4 Restricted Stock Award Agreement Granted by Waterstone Financial, Inc. under the Waterstone Financial, INC. 2020 Omnibus Incentive Plan This restricted stock award agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Omnibus Incentive Plan (the “Plan”) of Waterstone Financial, Inc. (the “Company”) which are incorpora

October 1, 2020 S-8

- WATERSTONE FINANCIAL, INC. FORM S-8 OCTOBER 1, 2020

Registration No. 333- As filed with the Securities and Exchange Commission on October 1, 2020 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Waterstone Financial Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 90-1026709 (State or Other Jurisdiction of (I.R.S. Employer Identification No.)

September 22, 2020 8-K

Financial Statements and Exhibits, Other Events -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 22, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

September 22, 2020 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 9/22/2020 — On September 22, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on

EX-99 2 ex991.htm Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 9/22/2020 — On September 22, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF

August 6, 2020 10-Q

Quarterly Report -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2020 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as

July 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Com

July 27, 2020 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2020. WAUWATOSA, WI – 07/27/2020 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for Water

July 21, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-3

July 21, 2020 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM

EX-99.1 2 exhibit991.htm EXHIBIT 99.1 Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark Gerke Chief Financial Officer 414.459.4012 FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM Wauwatosa, WI - Waterstone Financial, Inc. (NASDAQ: WSBF) (the "Company") announced that on July 21, 2020, its Board of Direct

July 6, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 6, 2020 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

June 29, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 29, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Com

June 29, 2020 EX-99.1

Waterstone Mortgage Announces Resignation of Andy Peach, President & CEO

Exhibit 99.1 FOR IMMEDIATE RELEASE Doug Gordon 414.459.4100 [email protected] Waterstone Mortgage Announces Resignation of Andy Peach, President & CEO Pewaukee, Wisc. (June 29, 2020) – National mortgage lender Waterstone Mortgage Corporation today announced the resignation of Andy Peach from his position as President and Chief Executive Officer. Doug Gordon, WaterStone Bank President & C

June 16, 2020 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 6/16/2020 — On June 16, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on Augu

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 6/16/2020 — On June 16, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly

June 16, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 16, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Com

June 4, 2020 11-K

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36271 (Waterstone Financial, Inc.) A. Full t

May 20, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Comm

May 13, 2020 10-Q

Quarterly Report -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q T Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2020 OR ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as

May 13, 2020 8-K

Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review

8-K 1 wsbf-05122020.htm FORM 4.02 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 12, 2020 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdic

May 11, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 11, 2020 Waterstone Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 001-36271 90-1026709 (State or other jurisdiction of incorporation) (Commission

May 11, 2020 NT 10-Q

- FORM 12B-25

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check one): ◻Form 10-K ◻Form 20-F ◻Form 11-K TForm 10-Q ◻Form 10-D ◻Form N-CEN ◻Form N-CSR For Period Ended: March 31, 2020 Transition Report on Form 10-K Transition Report on Form 20-F Transition Report on Form 11-K Transition Report on Form 10-Q For the Transition Period Ended: If the

May 1, 2020 DEFA14A

- ADDITIONAL DEFINITIVE PROXY SOLICITING MATERIALS AND RULE 14(A)(12) MATERIAL

DEFA14A 1 defa14a05012020a.htm ADDITIONAL DEFINITIVE PROXY SOLICITING MATERIALS AND RULE 14(A)(12) MATERIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Prelimin

May 1, 2020 DEFA14A

- ADDITIONAL DEFINITIVE PROXY SOLICITING MATERIALS AND RULE 14(A)(12) MATERIAL

DEFA14A 1 defa14a05012020b.htm ADDITIONAL DEFINITIVE PROXY SOLICITING MATERIALS AND RULE 14(A)(12) MATERIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Prelimin

April 28, 2020 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2020. WAUWATOSA, WI – 04/28/2020 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, re

April 28, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Co

April 27, 2020 EX-99.1

Waterstone Financial, Inc. Announces Change to a Virtual-Only Format for 2020 Annual Meeting of Shareholders.

Exhibit 99.1 Waterstone Financial, Inc. Announces Change to a Virtual-Only Format for 2020 Annual Meeting of Shareholders. WAUWATOSA, WI – 04/27/2020 – Waterstone Financial, Inc. (NASDAQ: WSBF), announced today a change in the location of its 2020 Annual Meeting of Shareholders (the “2020 Annual Meeting”). In the interest of the health and safety of our shareholders, employees, and communities, an

April 27, 2020 DEF 14A

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UNITED STATES SECURITIES AND EXCHANGE COMMISSSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ◻ Defi

April 27, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Num

April 9, 2020 DEF 14A

Waterstone Financial, Inc. 2020 Omnibus Incentive Plan

UNITED STATES SECURITIES AND EXCHANGE COMMISSSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) þ Defi

March 24, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 24, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Co

March 24, 2020 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 3/24/2020 — On March 24, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on May

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 3/24/2020 — On March 24, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly

March 13, 2020 10-K

WSBF / Waterstone Financial, Inc. 10-K - Annual Report -

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 1 0 - K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as specified in its charter) Maryland 90-1026709 (State or other jurisdiction of incorporation or organiza

March 13, 2020 EX-21.1

List of Subsidiaries

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2019. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

March 13, 2020 EX-4.2

Description of Registrant Securities (4)

Exhibit 4.2 Description of Registrant’s Securities Unless otherwise indicated or the context otherwise requires, references in this Exhibit 4.2 to “we, “us” and “our” refer collectively to Waterstone Financial, Inc. and WaterStone Bank SSB or to any of those entities, depending on the context. In addition, we may refer to Waterstone Financial, Inc. as “Waterstone Financial” and we may refer to Wat

February 25, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 25, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271

February 25, 2020 EX-99

WATERSTONE FINANCIAL DECLARES SPECIAL DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES SPECIAL DIVIDEND Wauwatosa, Wis. — 2/25/2020 — On February 25, 2020 the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a special dividend of $0

February 12, 2020 SC 13G/A

WSBF / Waterstone Financial, Inc. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* WATERSTONE FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) 94188P101 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

February 11, 2020 SC 13G/A

WSBF / Waterstone Financial, Inc. / PRINCIPAL FINANCIAL GROUP INC - 13G/A WATERSTONE FINANCIAL, INC. - AMDT 4 123119 Passive Investment

CUSIP No. 94188P101 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 4) * Waterstone Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 94188P101 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement)

January 30, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File N

January 30, 2020 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2019. WAUWATOSA, WI – 01/30/2020 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterSt

January 14, 2020 8-K

Regulation FD Disclosure

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 14, 2020 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (

January 14, 2020 EX-99.1

Waterstone Mortgage Reaches Nearly $3 Billion in Loan Origination for 2019 Mortgage lender sets all-time company record for annual origination

EX-99.1 2 exhibit99.htm Exhibit 99.1 Waterstone Mortgage Reaches Nearly $3 Billion in Loan Origination for 2019 Mortgage lender sets all-time company record for annual origination Pewaukee, Wisc. (January 14, 2020) – National mortgage lender Waterstone Mortgage Corporation achieved just short of $3 billion in loan originations for 2019. The accomplishment marks a 15 percent increase in sales over

December 18, 2019 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —12/18/2019 — On December 18, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —12/18/2019 — On December 18, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarte

December 18, 2019 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 18, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271

November 1, 2019 10-Q

WSBF / Waterstone Financial, Inc. 10-Q - Quarterly Report -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q T Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2019 OR □ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registran

October 23, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (

October 23, 2019 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2019. WAUWATOSA, WI – 10/23/2019 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone B

September 19, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 17, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File

September 17, 2019 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —09/17/2019 — On September 17, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —09/17/2019 — On September 17, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quart

September 17, 2019 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 17, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271

August 28, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (C

August 28, 2019 EX-99.1

Waterstone Mortgage Names Andy Peach as President & CEO

EX-99.1 2 exhibit991.htm Exhibit 99.1 FOR IMMEDIATE RELEASE Doug Gordon 414.459.4100 [email protected] Waterstone Mortgage Names Andy Peach as President & CEO Pewaukee, Wisc. (August 28, 2019) – National mortgage lender Waterstone Mortgage Corporation has named Andy Peach as the company’s new President & CEO. Peach has more than 30 years of experience in the mortgage lending industry, in

July 31, 2019 10-Q

WSBF / Waterstone Financial, Inc. 10-Q - Quarterly Report -

10-Q 1 form10q.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q T Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2019 OR □ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact nam

July 24, 2019 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2019. WAUWATOSA, WI – 07/24/2019 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, r

July 24, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Com

June 18, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 18, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Numb

June 18, 2019 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —06/18/2019 — On June 18, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on Augu

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —06/18/2019 — On June 18, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly

June 14, 2019 8-K

Regulation FD Disclosure

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 14, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Com

June 4, 2019 11-K

WSBF / Waterstone Financial, Inc. 11-K - -

11-K 1 form11k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36271 (Waterstone Financi

May 31, 2019 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 30, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36

May 31, 2019 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark Gerke Chief Financial Officer 414.459.4012 FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCES SHARE REPURCHASE PROGRAM Wauwatosa, WI - Waterstone Financial, Inc. (NASDAQ: WSBF) (the "Company") announced that on May 30, 2019, its Board of Directors authorized a share repurchase progr

May 21, 2019 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Comm

May 3, 2019 10-Q

WSBF / Waterstone Financial, Inc. 10-Q Quarterly Report

10-Q 1 form10q.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q T Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2019 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-36271 WATERSTONE FINANCIAL, INC. (Exact na

April 23, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Co

April 23, 2019 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2019. WAUWATOSA, WI – 04/23/2019 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net in

April 11, 2019 DEF 14A

WSBF / Waterstone Financial, Inc.

DEF 14A 1 formdef14a.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by

April 4, 2019 EX-10.1

Modification Agreement between Waterstone Mortgage Corporation and Eric J. Egenhoefer and

Exhibit 10.1 THIS AGREEMENT is made effective the last date entered opposite the Parties’ signatures, below (the “Effective Date”) by and among Alterra Group, LLC, a/k/a Panorama Mortgage Group, LLC, on behalf of itself and each business entity in which it has a majority ownership interest or otherwise controls (collectively, “Alterra”), Eric Egenhoefer (“EE”) and Waterstone Mortgage Corporation a

April 4, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Num

March 26, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 26, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Co

March 26, 2019 EX-99.1

WATERSTONE FINANCIAL, INC. ANNOUNCES DEPARTURE OF WATERSTONE MORTGAGE CORPORATION PRESIDENT AND CHIEF EXECUTIVE OFFICER A.W. PICKEL III

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Douglas Gordon President and CEO 414.459.4100 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL, INC. ANNOUNCES DEPARTURE OF WATERSTONE MORTGAGE CORPORATION PRESIDENT AND CHIEF EXECUTIVE OFFICER A.W. PICKEL III WAUWATOSA, WI (March 26, 2019) — Waterstone Financial, Inc. (NAS

March 25, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 25, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Co

March 25, 2019 EX-99.1

WATERSTONE FINANCIAL, INC. INCENTIVE PLAN

Exhibit 10.1 WATERSTONE FINANCIAL, INC. INCENTIVE PLAN Section 1. Purpose This Incentive Plan (this “Plan”) is intended to provide an incentive for superior work and to motivate eligible employees of Waterstone Financial, Inc. (the “Company”) and its subsidiaries toward even higher achievement and business results, to tie their goals and interests to those of the Company and its stockholders, and

March 25, 2019 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 9Date of Report (Date of earliest event reported): March 25, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (C

March 25, 2019 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —03/25/2019 — On March 25, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on May

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. —03/25/2019 — On March 25, 2019, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly

March 11, 2019 EX-99

WATERSTONE FINANCIAL DECLARES SPECIAL DIVIDEND

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES SPECIAL DIVIDEND Wauwatosa, Wis. — 3/11/2019 — On March 11, 2019 the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a special dividend of $0.50

March 11, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 11, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Num

March 6, 2019 10-K

WSBF / Waterstone Financial, Inc. (Annual Report)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 1 0 - K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 Commission file number: 001-36271 WATERSTONE FINANCIAL, INC. (Exact name of registrant as specified in its charter) Maryland 90-1026709 (State or other jurisdiction of incorporation or organiza

March 6, 2019 EX-21.1

List of Subsidiaries

Exhibit 21.1 The following table sets forth the name and jurisdiction of incorporation/charter of the Company's subsidiaries as of December 31, 2018. Inactive subsidiaries are not listed. All of the subsidiaries are 100% owned. Name of Subsidiary Jurisdiction of Incorporation/Charter WaterStone Bank, SSB (1) Wisconsin Wauwatosa Investments, Inc. (2) Nevada Waterstone Mortgage Corporation (2) Wisco

March 6, 2019 EX-10.6

Change in Control Agreement Between WaterStone Bank SSB and Julie Glynn †

Exhibit 10.6 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (this “Agreement”) is made effective as of April 17, 2018 (the “Effective Date”), by and between Waterstone Bank SSB, a Wisconsin-chartered savings bank (the “Bank”) and Julie Glynn (“Officer”). Any reference to the “Company” shall mean Waterstone Financial, Inc., the stock holding company of the Bank, or any successor there

February 8, 2019 SC 13G/A

WSBF / Waterstone Financial, Inc. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* WATERSTONE FINANCIAL INC (Name of Issuer) Common Stock (Title of Class of Securities) 94188P101 (CUSIP Number) December 31, 2018 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

February 7, 2019 SC 13G/A

WSBF / Waterstone Financial, Inc. / PRINCIPAL FINANCIAL GROUP INC - 13G/A WATERSTONE FINANCIAL AMDT 3 123118 Passive Investment

SC 13G/A 1 a13gawaterstonefinancialin.htm 13G/A WATERSTONE FINANCIAL AMDT 3 123118 CUSIP No. 94188P101 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 3) * Waterstone Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 94188P101 (CUSI

January 30, 2019 EX-99.1

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Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Year Ended December 31, 2018. WAUWATOSA, WI – 01/30/2019 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, rep

January 30, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2019 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (

December 21, 2018 8-K

Financial Statements and Exhibits, Other Events

8-K 1 form8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 20, 2018 WATERSTONE FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-36271

December 21, 2018 EX-99

WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 12/21/2018 — On December 20, 2018, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on

Exhibit 99.1 WATERSTONE FINANCIAL, INC. WATERSTONE BANK 11200 W. PLANK CT. WAUWATOSA, WI 53226 Contact: Mark R. Gerke Chief Financial Officer 414.459.4012 [email protected] FOR IMMEDIATE RELEASE WATERSTONE FINANCIAL DECLARES REGULAR QUARTERLY CASH DIVIDEND Wauwatosa, Wis. — 12/21/2018 — On December 20, 2018, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quart

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