Julie Ann Glynn - 02 Feb 2026 Form 4 Insider Report for Waterstone Financial, Inc. (WSBF)

Role: EVP/Chief Retail Officer
Signature: /s/ William F. Bruss, Attorney-in-fact
Issuer symbol: WSBF
Transactions as of: 02 Feb 2026
Net transactions value: -$33,774
Form type: 4
Filing time: 04 Feb 2026, 09:25:12 UTC
Previous filing: 08 Mar 2024
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Glynn Julie Ann	EVP/Chief Retail Officer	11200 WEST PLANK CT., WAUWATOSA	/s/ William F. Bruss, Attorney-in-fact	04 Feb 2026	0001770992

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	WSBF	Common Stock	Options Exercise	$347,000	+20,000	+200%	$17.35	30,000	02 Feb 2026	Direct
transaction	WSBF	Common Stock	Sale	$363,412	-20,000	-67%	$18.17	10,000	02 Feb 2026	Direct	F1
transaction	WSBF	Common Stock	Sale	$17,362	-929	-9.3%	$18.69	9,071	02 Feb 2026	Direct

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	WSBF	Stock Option	Options Exercise	$0	-20,000	-100%	$0.000000	0	02 Feb 2026	Common Stock	20,000	$17.35	Direct

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $17.78 to $18.71, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4."

Content

The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $17.78 to $18.71, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4."