# Waterstone Financial, Inc. (WSBF) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from Waterstone Financial, Inc.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/WSBF/mda/fy2025/): filed 2026-02-26; accession 0001437749-26-005853 (https://www.sec.gov/Archives/edgar/data/1569994/000143774926005853/wsbf20251231_10k.htm); latest 10-K
- [FY 2024 MD&A](/company/WSBF/mda/fy2024/): filed 2025-02-28; accession 0001437749-25-005687 (https://www.sec.gov/Archives/edgar/data/1569994/000143774925005687/wsbf20241231_10k.htm)
- [FY 2023 MD&A](/company/WSBF/mda/fy2023/): filed 2024-03-06; accession 0001437749-24-006779 (https://www.sec.gov/Archives/edgar/data/1569994/000143774924006779/wsbf20231231_10k.htm)
- [FY 2022 MD&A](/company/WSBF/mda/fy2022/): filed 2023-02-28; accession 0001437749-23-004917 (https://www.sec.gov/Archives/edgar/data/1569994/000143774923004917/wsbf20220421_10k.htm)
- [FY 2021 MD&A](/company/WSBF/mda/fy2021/): filed 2022-02-28; accession 0001569994-22-000010 (https://www.sec.gov/Archives/edgar/data/1569994/000156999422000010/form10k.htm)

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