Waterstone Financial, Inc.(WSBF)Stock Analysis
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This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
WSBF Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Waterstone Financial, Inc. (WSBF), a Financials sector company. WSBF is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q4 2025), Waterstone Financial, Inc. reports quarterly revenue of $37.2M, net income of $7.7M, an operating margin of 27.0%. 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.
Revenue
Q4 2025
$37.2M
Net Income
Q4 2025
$7.7M
Free Cash Flow
Q4 2025
$2.6M
Operating Margin
Q4 2025
27.0%
D/E Ratio
Q4 2025
1.18
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+41.3% YoYEPS (Diluted)
+46.5% YoYTotal Assets
+2.3% YoYTotal Debt
-7.7% YoYOp. Cash Flow
-49.7% YoY| Metric | FY 2025 | FY 2024 | FY 2022 | FY 2021 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Net Income | $26.4M +41.3% | $18.7M -4.1% | $19.5M -72.5% | $70.8M +130.2% | $30.8M +18.4% | $26.0M |
| EPS (Diluted) | $1.48 +46.5% | $1.01 +13.5% | $0.89 -69.9% | $2.96 +166.7% | $1.11 +19.4% | $0.93 |
| Total Assets | $2.26B +2.3% | $2.21B +8.8% | $2.03B -8.3% | $2.22B +15.7% | $1.92B +6.0% | $1.81B |
| Total Debt | $412.3M -7.7% | $446.5M +15.1% | $387.9M -18.7% | $477.1M +9.7% | $435.0M +12.6% | $386.3M |
| Operating Cash Flow | $24.2M -49.7% | $48.1M -76.7% | $206.7M +45.5% | $142.0M +242.2% | $41.5M -61.2% | $107.1M |
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Top Institutional Holders of WSBF
BlackRock, Inc.
$27.2M1,505,989 shDIMENSIONAL FUND ADVISORS LP
$25.5M1,413,502 shRENAISSANCE TECHNOLOGIES LLC
$19.7M1,094,471 shVANGUARD CAPITAL MANAGEMENT LLC
$12.6M700,237 shSTATE STREET CORP
$7.1M394,515 shGEODE CAPITAL MANAGEMENT, LLC
$6.6M366,680 shFourthstone LLC
$5.3M291,191 shGOLDMAN SACHS GROUP INC
$4.6M254,464 shAMERICAN CENTURY COMPANIES INC
$4.5M250,085 shAQR CAPITAL MANAGEMENT LLC
$4.1M224,794 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $27.2M | 1,505,989 |
| DIMENSIONAL FUND ADVISORS LP | $25.5M | 1,413,502 |
| RENAISSANCE TECHNOLOGIES LLC | $19.7M | 1,094,471 |
| VANGUARD CAPITAL MANAGEMENT LLC | $12.6M | 700,237 |
| STATE STREET CORP | $7.1M | 394,515 |
| GEODE CAPITAL MANAGEMENT, LLC | $6.6M | 366,680 |
| Fourthstone LLC | $5.3M | 291,191 |
| GOLDMAN SACHS GROUP INC | $4.6M | 254,464 |
| AMERICAN CENTURY COMPANIES INC | $4.5M | 250,085 |
| AQR CAPITAL MANAGEMENT LLC | $4.1M | 224,794 |
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Popular Research
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.
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.