What is the 13F Pro Quality Score for WSBF?

13F Pro ranks Waterstone Financial, Inc. (WSBF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View WSBF's current score at https://13fpro.ai/company/WSBF (free sign-up required for the full ranking).

Where does 13F Pro source WSBF data?

All Waterstone Financial, Inc. fundamentals and ownership data come directly from SEC EDGAR. Waterstone Financial, Inc. files with the SEC under CIK 1569994. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is WSBF in?

Waterstone Financial, Inc. (WSBF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is WSBF research updated on 13F Pro?

WSBF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Waterstone Financial, Inc.(WSBF)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaqsmall

Institutional-grade research for retail investors

SEC EDGAR: CIK 1569994 WSBF stock profile & AI dashboard →

13F Pro Quality Score

51.4/100

Rank #1,538 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

36.8/100

Profitability

83.5/100

Balance Sheet

47.7/100

Earnings Quality

67.4/100

Free Cash Flow

82.4/100

Institutional Flow

49.5/100

Revenue Scale

20.0/100

Dilution Risk

85.2/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why WSBF Scores 51/100

exact factor attribution · 2026-09-11

WSBF's composite is driven by profitability and free cash flow, held back by scale and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+6.7 pts

84th pct

Free cash flow

+4.9 pts

82th pct

Shareholder dilution

+2.4 pts

85th pct

Earnings growth

+2.2 pts

83th pct

Earnings quality

+1.7 pts

67th pct

Institutional flow

-0.0 pts

50th pct

Capital efficiency

-0.3 pts

48th pct

Revenue growth

-3.5 pts

37th pct

Scale

-6.0 pts

20th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

WSBF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Waterstone Financial, Inc. (WSBF), a Financials sector company. 13F Pro's AI-powered ranking engine scores WSBF at 51.4/100 on a 32-signal composite quality model, placing it at rank #1,538 of 2,962 stocks — the bottom half of the AI-ranked universe. WSBF scores in the top quartile across profitability (83.5), free cash flow (82.4). Areas of concern include revenue scale (20.0) and revenue growth (36.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Waterstone Financial, Inc. reports quarterly revenue of $40.3M, net income of $8.5M, an operating margin of 26.4%. Top institutional holders of WSBF by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, RENAISSANCE TECHNOLOGIES, based on the most recent SEC filings. WSBF trades on the Nasdaq exchange and files with the SEC under CIK 1569994. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate WSBF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Waterstone Financial, Inc. directly from SEC EDGAR. Waterstone Financial, Inc.'s 13F Pro composite quality score has ranged between 37 and 53 since 2026, currently 51.4 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

Revenue

Q2 2026

$40.3M

Net Income

Q2 2026

$8.5M

Free Cash Flow

Q2 2026

$9.4M

Operating Margin

Q2 2026

26.4%

ROIC

Q2 2026

5.6%

D/E Ratio

Q2 2026

1.17

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+4.8% YoY

$141.9MFY 2025

FY22 —FY23 —FY24 $135.5MFY25 $141.9M

Net Income

+41.3% YoY

$26.4MFY 2025

FY22 $19.5MFY23 $9.4MFY24 $18.7MFY25 $26.4M

EPS (Diluted)

+46.5% YoY

$1.48FY 2025

FY22 $0.89FY23 $0.46FY24 $1.01FY25 $1.48

Total Assets

+2.3% YoY

$2.26BFY 2025

FY22 $2.03BFY23 $2.21BFY24 $2.21BFY25 $2.26B

Total Debt

-7.7% YoY

$412.3MFY 2025

FY22 $387.9MFY23 $758.1MFY24 $446.5MFY25 $412.3M

Op. Cash Flow

-49.7% YoY

$24.2MFY 2025

FY22 $206.7MFY23 $-27.6MFY24 $48.1MFY25 $24.2M

Free Cash Flow

-51.0% YoY

$23.0MFY 2025

FY22 $206.0MFY23 $-28.3MFY24 $47.0MFY25 $23.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$141.9M +4.8%	$135.5M	—	—	$258.7M -13.0%	$297.5M
Net Income	$26.4M +41.3%	$18.7M +99.3%	$9.4M -51.9%	$19.5M -72.5%	$70.8M -12.8%	$81.1M
EPS (Diluted)	$1.48 +46.5%	$1.01 +119.6%	$0.46 -48.3%	$0.89 -69.9%	$2.96 -10.3%	$3.30
Total Assets	$2.26B +2.3%	$2.21B -0.2%	$2.21B +8.9%	$2.03B -8.3%	$2.22B +1.4%	$2.18B
Total Debt	$412.3M -7.7%	$446.5M -41.1%	$758.1M +95.5%	$387.9M -18.7%	$477.1M -11.2%	$537.1M
Operating Cash Flow	$24.2M -49.7%	$48.1M +274.3%	$-27.6M -113.3%	$206.7M +45.5%	$142.0M +251.7%	$-93.6M
Free Cash Flow	$23.0M -51.0%	$47.0M +266.1%	$-28.3M -113.7%	$206.0M +45.8%	$141.2M +249.0%	$-94.8M

Get alerted when WSBF's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for Waterstone Financial, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of WSBF

BlackRock, Inc.
$34.0M1,641,766 sh
DIMENSIONAL FUND ADVISORS LP
$29.4M1,417,945 sh
RENAISSANCE TECHNOLOGIES LLC
$21.8M1,051,571 sh
VANGUARD CAPITAL MANAGEMENT LLC
$13.3M641,005 sh
STATE STREET CORP
$8.3M398,372 sh
GEODE CAPITAL MANAGEMENT, LLC
$8.1M388,478 sh
AMERICAN CENTURY COMPANIES INC
$7.1M341,972 sh
AQR CAPITAL MANAGEMENT LLC
$5.4M259,089 sh
CSM Advisors, LLC
$4.6M221,070 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$4.4M211,375 sh

Fund	Value	Shares
BlackRock, Inc.	$34.0M	1,641,766
DIMENSIONAL FUND ADVISORS LP	$29.4M	1,417,945
RENAISSANCE TECHNOLOGIES LLC	$21.8M	1,051,571
VANGUARD CAPITAL MANAGEMENT LLC	$13.3M	641,005
STATE STREET CORP	$8.3M	398,372
GEODE CAPITAL MANAGEMENT, LLC	$8.1M	388,478
AMERICAN CENTURY COMPANIES INC	$7.1M	341,972
AQR CAPITAL MANAGEMENT LLC	$5.4M	259,089
CSM Advisors, LLC	$4.6M	221,070
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$4.4M	211,375

Companies Similar to WSBF

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

ATLO

AMES NATIONAL CORP

AI score

Very similar · 3 shared holders

Fourthstone LLC Hillsdale Investment Management Inc.MARTINGALE ASSET MANAGEMENT L P

BOTJ

BANK OF THE JAMES FINANCIAL GROUP INC

AI score

Very similar · 2 shared holders

Fourthstone LLC Hillsdale Investment Management Inc.

FMNB

FARMERS NATIONAL BANC CORP /OH/

AI score

Similar quality profile · 7 shared holders

Teton Advisors, LLC BAILARD, INC.Odyssean, LLC

VABK

Virginia National Bankshares Corp

AI score

Similar quality profile · 1 shared holders

Fourthstone LLC

THFF

FIRST FINANCIAL CORP /IN/

AI score

Similar quality profile · 6 shared holders

CSM Advisors, LLC MARTINGALE ASSET MANAGEMENT L P BAILARD, INC.

UFCS

UNITED FIRE GROUP INC

AI score

Similar quality profile · 7 shared holders

CSM Advisors, LLC MARTINGALE ASSET MANAGEMENT L P BAILARD, INC.

TCBS

Texas Community Bancshares, Inc.

AI score

Shared smart-money ownership · 1 shared holders

Fourthstone LLC

BPRN

Princeton Bancorp, Inc.

AI score

Similar quality profile · 1 shared holders

Fourthstone LLC

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AAC

Ares Acquisition Corp III

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put WSBF on your watchlist

Track score changes the day Waterstone Financial, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is WSBF a good stock to buy?

13F Pro's AI-powered analysis of Waterstone Financial, Inc. (WSBF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for WSBF are available on the WSBF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. WSBF is classified as a small company.

Which hedge funds own WSBF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling WSBF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Waterstone Financial, Inc.'s investment landscape.