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 organization) (I.R.S. Employer Identification No.) | | 11200 W Plank Ct, Wauwatosa, Wisconsin 53226 | | (A ...