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~~March 2817, 2026

Waterstone Financial, Inc.

(Exact name of registrant as specified in its charter)

Maryland	001-36271	90-1026709
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

11200 W Plank Ct, Wauwatosa, Wisconsin 53226

(Address of principal executive offices)

414-761-1000

Registrant’s telephone number, including area code:

Not Applicable

Former name or former address, if changed since last report

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which registered
Common Stock, $0.01 Par Value		WSBF		The NASDAQ Stock Market, LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities and Exchange Act of 1934.

☐	Emerging growth company

☐	If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 28.02 01 Results of Operations and Financial Condition.

On ~~January 28~~March 17, 2026, the Board of Directors of Waterstone Financial, Inc. ~~issued~~(the a"Company") ~~press~~declared ~~release~~a ~~announcing~~regular ~~its~~quarterly ~~financial~~dividend ~~results~~on ~~for~~ the ~~quarter~~Company's ~~and~~outstanding ~~year~~shares ~~ended~~of ~~December~~common ~~31, 2025~~stock. AThe ~~copy~~news ofrelease ~~the~~containing ~~press~~this ~~release~~information is ~~being~~attached ~~furnished to the Securities and Exchange Commission~~ as Exhibit 99.1 ~~attached~~hereto ~~to this report~~ and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

Exhibit No.	Description
99.1	Press release of Waterstone Financial, Inc. issued ~~January~~March 2817, 2026.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		Waterstone Financial, Inc.
Date: January 28, 2026		/s/ Mark R. Gerke
Date: March 17, 2026		/s/ William F. Bruss
		Name: Mark R. Gerke
		Name: William F. Bruss
		Title: Chief Financial Officer
		Title: Chief Executive Officer

EXHIBIT INDEX

Exhibit No.	Description
99.1	Press release of Waterstone Financial, Inc. issued ~~January~~March 2817, 2026.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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