Profitability
Weight: 25%
F
20
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 77.5%
- Efficiency Ratio Trend +0.61 pp/yr
WSBF
Waterstone Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
66
- 5yr Avg ROE 7.5%
- 5yr Share-Count CAGR -6.2%
Growth Quality
Weight: 15%
F
24
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR -8.7%
- Efficiency Ratio Trend (growth quality check) +0.61 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
24
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.08
Balance Sheet
Weight: 20%
A+
96
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 15.5%
Stability
Weight: 10%
D+
42
- EPS Volatility (σ/μ) 0.68
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed.
- Holders
- 1
- Avg Δ position
- -16.7%
- New buys
- 0
- Full exits
- 0
- Cooperman decreased -17%