Financial Statements — WSBF
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.36 | 0.23 | 0.20 |
| Net Loans & Leases | 1.67 | 1.67 | 1.70 | 1.65 | 1.65 | 1.68 | 1.66 | 1.65 | 1.63 | 1.60 | 1.53 | 1.34 | 1.26 | 1.19 | 0.00 | 0.00 | 0.00 |
| Total Assets | 2.25 | 2.25 | 2.27 | 2.26 | 2.18 | 2.24 | 2.29 | 2.23 | 2.22 | 2.23 | 2.11 | 1.98 | 1.94 | 2.00 | 2.23 | 2.20 | 2.20 |
| Total Deposits | 1.42 | 1.44 | 1.39 | 1.38 | 1.38 | 1.26 | 1.22 | 1.20 | 1.21 | 1.19 | 1.18 | 1.19 | 1.21 | 1.21 | 1.25 | 1.23 | 1.22 |
| Long-term Debt | 0.41 | 0.41 | 0.47 | 0.47 | 0.40 | 0.56 | 0.66 | 0.63 | 0.59 | 0.61 | 0.50 | 0.32 | 0.28 | 0.33 | 0.48 | 0.48 | 0.49 |
| Total Liabilities | 1.90 | 1.90 | 1.92 | 1.92 | 1.83 | 1.90 | 1.95 | 1.90 | 1.88 | 1.87 | 1.75 | 1.60 | 1.55 | 1.59 | 1.79 | 1.77 | 1.77 |
| Retained Earnings | 0.30 | 0.30 | 0.29 | 0.28 | 0.28 | 0.27 | 0.27 | 0.27 | 0.27 | 0.27 | 0.27 | 0.28 | 0.28 | 0.27 | 0.28 | 0.26 | 0.26 |
| Total Stockholder Equity | 0.35 | 0.35 | 0.35 | 0.34 | 0.34 | 0.34 | 0.33 | 0.34 | 0.35 | 0.36 | 0.37 | 0.38 | 0.39 | 0.41 | 0.44 | 0.43 | 0.43 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 29.59 | 29.02 | 30.11 | 29.56 | 28.69 | 27.76 | 29.05 | 29.19 | 28.02 | 26.91 | 26.69 | 26.38 | 24.25 | 21.89 | 20.67 | 18.13 | 16.42 | 15.03 | 16.58 | 17.51 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 15.77 | 14.94 | 14.39 | 11.57 | 8.10 | 5.06 | 2.73 | 2.34 | 3.17 | 3.41 | 3.39 |
| Net Interest Income | 16.01 | 15.46 | 15.71 | 14.74 | 13.71 | 12.58 | 12.84 | 11.52 | 10.68 | 11.14 | 11.76 | 11.99 | 12.68 | 13.80 | 15.61 | 15.40 | 14.08 | 11.86 | 13.17 | 14.11 |
| Provision for Credit Losses | 0.24 | 0.26 | (0.56) | (0.27) | (0.01) | (0.56) | 0.37 | (0.38) | (0.22) | 0.07 | (0.43) | 0.45 | 0.19 | 0.46 | 0.66 | 0.33 | 0.05 | (0.08) | (1.47) | (0.70) |
| Non-interest Income | 24.24 | 20.23 | 21.46 | 22.30 | 24.33 | 17.10 | 19.01 | 22.55 | 26.50 | 21.25 | 16.88 | 22.23 | 23.53 | 18.55 | 17.10 | 27.40 | 31.24 | 29.82 | 42.02 | 52.94 |
| Non-interest Expense | 29.38 | 27.88 | 27.68 | 27.47 | 28.38 | 26.35 | 25.27 | 28.56 | 30.26 | 27.55 | 29.66 | 30.02 | 30.92 | 29.11 | 31.38 | 35.69 | 35.05 | 34.94 | 40.97 | 43.32 |
| Pretax Income | 10.64 | 7.55 | 10.05 | 9.84 | 9.67 | 3.88 | 6.21 | 5.89 | 7.14 | 4.77 | (0.59) | 3.75 | 5.09 | 2.78 | 0.66 | 6.78 | 10.22 | 6.82 | 15.68 | 24.43 |
| Tax Provision | 2.17 | 1.56 | 2.34 | 1.92 | 1.94 | 0.85 | 1.00 | 1.16 | 1.43 | 1.73 | (0.56) | 0.50 | 1.09 | 0.63 | (0.28) | 1.51 | 2.23 | 1.53 | 3.13 | 5.43 |
| Net Income | 8.46 | 6.00 | 7.71 | 7.93 | 7.73 | 3.04 | 5.21 | 4.73 | 5.71 | 3.04 | (0.04) | 3.25 | 4.01 | 2.15 | 0.94 | 5.27 | 7.99 | 5.29 | 12.55 | 19.00 |
| Basic EPS | 0.49 | 0.35 | 0.43 | 0.45 | 0.43 | 0.17 | 0.28 | 0.26 | 0.31 | 0.16 | 0.01 | 0.16 | 0.20 | 0.10 | 0.05 | 0.25 | 0.36 | 0.23 | 0.53 | 0.80 |
| Diluted EPS | 0.49 | 0.34 | 0.43 | 0.45 | 0.43 | 0.17 | 0.28 | 0.26 | 0.31 | 0.16 | 0.00 | 0.16 | 0.20 | 0.10 | 0.05 | 0.25 | 0.36 | 0.23 | 0.54 | 0.79 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 9.50 | (0.65) | 3.17 | 32.72 | (38.45) | 26.74 | 23.43 | 74.09 | (39.52) | (9.94) | (1.00) | 44.89 | (40.08) | (31.38) | 71.47 | 17.03 | (24.44) | 142.60 | 30.78 | 46.76 |
| Capital Expenditures | 0.14 | 0.99 | 0.55 | 0.30 | 0.06 | 0.27 | 0.35 | 0.19 | 0.16 | 0.39 | 0.42 | 0.13 | 0.10 | 0.05 | 0.06 | 0.19 | 0.33 | 0.12 | 0.12 | 0.02 |
| Free Cash Flow* | 9.37 | (1.64) | 2.63 | 32.42 | (38.51) | 26.48 | 23.08 | 73.90 | (39.68) | (10.33) | (1.42) | 44.76 | (40.18) | (31.44) | 71.41 | 16.84 | (24.77) | 142.48 | 30.66 | 46.74 |
| Investing Cash Flow | 1.46 | (15.95) | 36.86 | (56.04) | (6.42) | 16.86 | 7.31 | (17.04) | (14.08) | (0.15) | (14.44) | (32.04) | (66.21) | (46.54) | (159.97) | (75.02) | (67.08) | (33.67) | 15.32 | 68.19 |
| Financing Cash Flow | (17.42) | (9.86) | (22.69) | 6.17 | 72.50 | (40.07) | (32.38) | (56.95) | 49.20 | 19.38 | (10.43) | (11.75) | 113.29 | 85.48 | 62.21 | 8.73 | (64.81) | (207.13) | (28.00) | 14.93 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.17 | 0.17 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.70 | 0.20 |
