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    <div style="TEXT-ALIGN: center">&#160;</div>
    <div style="TEXT-ALIGN: center">UNITED STATES</div>
    <div style="color: #000000; text-align: center;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="font-weight: bold; color: #000000; text-align: center;">WASHINGTON, D.C. 20549</div>
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    <div style="font-size: 14pt; font-weight: bold; color: #000000; text-align: center;">FORM 8-K</div>
    <div style="color: #000000; text-align: center;">CURRENT REPORT</div>
    <div style="color: #000000; text-align: center;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>
    <div><br>
    </div>
    <div style="color: #000000; text-align: center;">Date of Report (Date of earliest event reported):&#160; <u>December 18</u><u>, 2019</u></div>
    <div style="color: #000000; text-align: center;">&#160;</div>
    <div style="font-weight: bold; color: #000000; text-align: center;"><u>WATERSTONE FINANCIAL, INC.</u></div>
    <div style="color: #000000; text-align: center;">(Exact name of Registrant as specified in its charter)</div>
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            <div style="color: #000000; text-align: center;">Maryland</div>
            <div style="color: #000000; text-align: center;">(State or Other Jurisdiction</div>
            <div style="color: #000000; text-align: center;">of Incorporation)</div>
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            <div style="color: #000000; text-align: center;">001-36271</div>
            <div style="color: #000000; text-align: center;">(Commission File Number)</div>
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            <div style="color: #000000; text-align: center;">90-1026709</div>
            <div style="color: #000000; text-align: center;">(I.R.S. Employer Identification No.)</div>
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    <div style="color: #000000; text-align: center;"><u>11200 W. Plank Ct, Wauwatosa, Wisconsin 53226</u></div>
    <div style="color: #000000; text-align: center;">(Address of principal executive offices)</div>
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    <div style="color: #000000; text-align: center;"><u>(414) 761-1000</u></div>
    <div style="color: #000000; text-align: center;">Registrant's telephone number, including area code</div>
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    <div style="color: #000000; text-align: center;"><u>Not Applicable</u></div>
    <div style="color: #000000; text-align: center;">(Former Name or former address, if changed since last report)</div>
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            <div style="color: #000000; text-align: left;">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:</div>
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            <div style="color: #000000; text-align: left;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
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            <div style="color: #000000; text-align: left;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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            <div style="color: #000000; text-align: center;">[ ]</div>
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            <div style="color: #000000; text-align: left;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</div>
            <div style="color: #000000; text-align: left;">(17 CFR 240.14d-2(b))</div>
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            <div style="color: #000000; text-align: left;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act</div>
            <div style="color: #000000; text-align: left;">(17 CFR 240.13e-4(c))</div>
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      <div>Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities and Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>
      <div><font style="font-family: Wingdings;">&#168; </font>Emerging growth company</div>
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      <div style="margin-left: 22.6pt; margin-right: 0.1pt; text-indent: -22.5pt;"><font style="font-family: Wingdings;">&#168; </font>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.</div>
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    <div style="margin-bottom: 3pt; margin-top: 3pt; font-weight: bold; color: #000000;">Item 8.01. Other Events.</div>
    <div style="margin-bottom: 3pt; margin-top: 3pt; color: #000000;">On December 18, 2019, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The
      news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.</div>
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    <div style="margin-bottom: 3pt; margin-top: 3pt; font-weight: bold; color: #000000;">Item 9.01. Financial Statements and Exhibits.</div>
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    <div style="margin-bottom: 3pt; margin-top: 3pt; color: #000000;">(d) Exhibits</div>
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    <div style="margin-bottom: 3pt; margin-top: 3pt; color: #000000;"><!--Anchor--><a href="ex991.htm">99.1&#160;&#160; Press Release dated December 18, 2019</a></div>
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    <div style="margin-bottom: 3pt; margin-top: 3pt; font-weight: bold; color: #000000; text-align: center;">SIGNATURES</div>
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    <div style="margin-bottom: 3pt; margin-top: 3pt; color: #000000;">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.</div>
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            <div style="color: #000000; text-align: left;">Waterstone Financial, Inc.</div>
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            <div style="color: #000000; text-align: left;">Date:&#160; December 18, 2019</div>
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            <div style="color: #000000; font-style: italic; text-align: left;">/s/ William F. Bruss</div>
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            <div style="color: #000000; text-align: left;">Name: William F. Bruss</div>
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            <div style="color: #000000; text-align: left;">Title: Chief Operating Officer</div>
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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):
December 18
, 2019
WATERSTONE FINANCIAL, INC.
(Exact name of Registrant as specified in its charter)
Maryland
(State or Other Jurisdiction
of Incorporation)
001-36271
(Commission File Number)
90-1026709
(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)
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 (§230.405 of this chapter) or Rule 12b-2 of the Securities and Exchange Act of 1934 (§240.12b-2 of this chapter).
¨
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 8.01. Other Events.
On December 18, 2019, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The
      news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits
99.1   Press Release dated December 18, 2019
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:  December 18, 2019
/s/ William F. Bruss
Name: William F. Bruss
Title: Chief Operating Officer