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WaFd, Inc. WAFD R2K

Financial Services · Banks - Regional · United States
https://www.wafdbank.com
Company Profile ↓
$38.39
+28.09% 1Y
Mkt Cap$2.84B
P/E12.59
P/B1.07
Div. Yield2.82%
52W High$39.04
52W Low$27.16
Book Value$35.70
EPS (TTM)$3.05

Company Overview

WaFd, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company provides deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It offers single-family residential, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. Additionally, it provides technology and data services; and personalized financial guidance and investment services. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc. in September 2023. WaFd, Inc. was founded in 1917 and is headquartered in Seattle, Washington.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 12.6, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 33.6%.

Dividend Income

Offers a dividend yield of 2.82%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Sep 2025 Revenue of $724.86M (+0.4% YoY); net profit $226.07M.
  • Trailing 12 Months Year-on-year growth — revenue +9.2%, earnings +26.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.1%, profit CAGR -1.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.09%
1 Year:9.20%

Compounded Profit Growth

5 Years:-1.47%
1 Year:26.40%

Stock Price Performance

1 Year:+28.09%
6 Months:+19.40%
3 Months:+18.27%
1 Month:+3.56%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 95% of range
$27.16 $39.04
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.85 · Neutral
Price Performance
1M+3.56%
3M+18.27%
6M+19.40%
1Y+28.09%
Valuation vs Sector

P/E of 12.59 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 33.6%.
  • Attractive dividend yield of 2.82%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -1.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.59
Industry PE
13.52
Forward P/E
11.27
PEG Ratio
1.85
Book Value
$35.70
Price to Book
1.07
P/S
3.75
EV/EBITDA
-
Dividend Yield
2.82%

Growth (CAGR)

Revenue 5Y
3.09%
Profit 5Y
-1.47%
Revenue (YoY)
9.20%
Earnings (YoY)
26.40%

Profitability & Returns

ROCE
-
ROE
8.39%
ROA
0.91%
Profit Margin
33.60%
Op Margin
45.80%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.82
EPS (TTM)
$3.05

Balance Sheet & Liquidity

Debt/Equity
0.60
Quick Ratio
-
Current Ratio
-
Debt
$3.17B
Total Assets
$27.57B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.73%
Chg in Prom Hold
-
FII / Inst Holding
85.67%
Chg in FII Hold
0.29%

Financial Snapshot

Enterprise Value
$2.84B
Total Revenue (TTM)
$750.81M
EBITDA
-
Free Cash Flow
$208.25M
Operating Cash Flow
$255.24M
Shares Outstanding
73.89M
Gross Margin
0.00%
Payout Ratio
35.41%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 WAFD WaFd, Inc. R2K 38.39 12.59 $2.84B 2.82% - 8.39% 3.09% -1.47%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Dec 2021Mar 2022Jun 2022Dec 2022Mar 2023Jun 2023Dec 2023Mar 2024Jun 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----------------6.26M-6.26M6.10M5.48M-6.03M5.96M6.20M6.44M6.28M6.61M6.35M6.19M6.66M6.80M6.70M6.96M7.05M179.59M186.09M187.62M191.52M197.66M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------175.17M163.73M156.63M151.38M147.16M
Pretax Income -----------------------------------72.01M79.76M77.62M82.30M83.81M
Tax Provision -----------------------------------15.76M17.81M17.03M18.11M18.26M
Net Income 39.05M42.50M35.10M41.72M43.00M44.22M41.25M42.07M44.11M46.10M51.67M49.27M51.39M51.52M52.94M51.10M53.85M52.36M67.87M36.38M34.85M34.34M38.95M44.87M47.42M50.28M49.36M63.30M79.51M65.93M61.77M58.45M15.89M64.56M47.27M56.25M61.95M60.60M64.20M65.55M
Diluted EPS 0.410.450.380.450.470.490.460.470.490.520.590.570.610.620.650.630.670.660.860.470.460.450.510.560.610.710.700.911.160.950.890.850.170.750.540.650.730.720.790.82

Profit & Loss (Annual)

Figures in USD.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Revenue ----------25.90M24.88M23.69M-661.61M742.61M721.83M724.86M
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income ------------------
EBITDA ------------------
Interest Expense --------------71.77M352.72M710.88M685.21M
Pretax Income --------------300.04M325.08M256.06M289.64M
Tax Provision --------------63.71M67.65M56.02M63.57M
Net Income 62.33M48.17M118.65M111.14M138.18M151.50M157.36M160.32M164.05M173.53M203.85M210.26M173.44M-236.33M257.43M200.04M226.07M
Diluted EPS 0.710.461.051.001.291.451.551.671.781.942.402.612.26-3.393.722.502.63

Balance Sheet (Annual)

Figures in USD.

Metric Sep 2007Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Total Assets --12.58B13.49B13.44B12.47B13.08B14.76B14.57B14.89B15.25B15.87B16.47B18.79B-20.77B22.47B28.06B26.70B
Current Assets -------------------
Cash & Equivalents 61.38M82.60M498.39M888.62M816.00M751.43M203.56M781.84M284.05M450.37M313.07M268.65M419.16M1.70B-683.97M980.65M2.38B657.31M
Inventory -------------------
Receivables ---------------63.87M87.00M102.83M98.59M
Total Liabilities --10.84B11.65B11.53B10.57B11.15B12.78B12.61B12.91B13.25B13.87B14.44B16.78B-18.50B20.05B25.06B23.66B
Current Liabilities -------------------
Long Term Debt ---------------2.12B3.65B3.32B70.21M
Total Debt ---------------2.12B3.65B3.32B1.82B
Total Equity 1.32B1.33B1.75B1.84B1.91B1.90B1.94B1.97B1.96B1.98B2.01B2.00B2.03B2.01B-2.27B2.43B3.00B3.04B
Shares Outstanding ---------------136.27M136.47M154.01M154.41M

Cash Flows (Annual)

Figures in USD.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Operating Cash Flow 162.23M184.24M250.88M261.70M174.96M181.42M173.72M142.87M221.72M179.70M190.70M234.05M166.60M-268.46M213.96M439.23M236.95M
Investing Cash Flow -634.76M-456.51M307.28M-164.03M1.05B-391.89M781.02M-290.49M-131.06M-544.54M-674.45M-421.37M-920.98M--2.49B-1.38B3.29B-318.41M
Financing Cash Flow 493.75M688.05M-167.93M-170.28M-1.29B-337.39M-376.46M-350.18M75.66M227.54M439.32M337.83M2.04B-817.86M1.46B-2.33B-1.64B
Capital Expenditure -22.33M-5.27M-13.03M-10.54M-32.01M-29.25M-51.79M-46.44M-41.77M-15.46M-27.13M-35.53M-31.94M--11.79M-15.06M-24.68M-28.71M
Free Cash Flow 139.90M178.97M237.85M251.16M142.95M152.18M121.92M96.43M179.95M164.24M163.57M198.52M134.66M-256.68M198.89M414.55M208.25M
Net Change in Cash ---------------1.41B296.68M1.40B-1.72B
Share Buybacks -0059.68M41.91M110.24M104.29M126.73M87.85M98.37M164.25M123.85M112.13M348.65M3.26M30.46M27.07M101.93M

Ratios (Annual)

Figures in %.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ----------786.9%845.0%732.1%-35.7%34.7%27.7%31.2%
ROE % 4.7%2.8%6.4%5.8%7.3%7.8%8.0%8.2%8.3%8.7%10.2%10.3%8.6%-10.4%10.6%6.7%7.4%
ROCE % ------------------

Shareholding Pattern

Insiders
1.73%
Institutions
85.67%
Public Float
87.18%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.95% 11.04M $423.77M
2 Dimensional Fund Advisors LP 6.69% 4.95M $189.76M
3 Vanguard Portfolio Management LLC 6.52% 4.82M $184.96M
4 State Street Corporation 5.71% 4.22M $161.75M
5 Alliancebernstein L.P. 4.84% 3.57M $137.16M
6 Vanguard Capital Management LLC 4.64% 3.43M $131.50M
7 Fuller & Thaler Asset Management Inc. 4.40% 3.25M $124.88M
8 American Century Companies Inc 2.99% 2.21M $84.81M
9 Geode Capital Management, LLC 2.64% 1.95M $74.91M
10 Systematic Financial Management, L.P. 2.08% 1.54M $59.03M

Analyst View

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Latest News

Recent headlines for WAFD

Google News Mon, 13 Jul 2026

Has WaFd (WAFD) Run Ahead Of Its Fair Value Narrative? - simplywall.st

<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxQcHVXMVhORWJOM3d2aTlkakRlQUE0U1pENjFVUDhoWUtqNWhHVmpwZGladUVDWWR2VXlGNEFXbDVpeVFqMFR1M1BGem5PZTgyUm1sNFQyUHl2aXg2X1lPd0VBNWNsb2JVTlhZTmNkZjBaX3JENGx1WExkZjQydnZlcDJLWHJBckRHdnFYVl…

Google News Sat, 11 Jul 2026

New York State Teachers Retirement System Decreases Stock Position in WaFd, Inc. $WAFD - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxQaXRtQjQ3dHdtdUMxcUNjTFV2ZVc5RjhEWG1yRll6elRUQkNxZXdLRW1TV0NhRElHcHdjbHZodTlhU0V2SXVhSmxCTzVwNnEtREh5bFRPa0JRMHpCNnJWbS1WaHlkV2NYelRvMWp3TzhfaEJqNlVPWlc5OEtuTjhURU9Sdk1nVkJtMzByQ3…

Google News Mon, 29 Jun 2026

A Look Back at Thrifts & Mortgage Finance Stocks’ Q1 Earnings: WaFd Bank (NASDAQ:WAFD) Vs The Rest Of The Pack - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxNRE9vRjZzcXllNFpPeHFmTFpHLWV5a0ZPNVRTb3ZKZFU1Z2t4SkhvNmxUYmIxRzdpbmU5U3NlZGVXMGpjdVlJa2FqS3BLYWpTT0hCWnRLRzVJdVVNa2Jxc1YyYjNCWG9ReERpYkVCS25Hb1d6cnBfU2ExUHkzTFN5R3ZfLVhwcW1ONHY1U1…

Google News Wed, 29 Apr 2026

3 Reasons WAFD is Risky and 1 Stock to Buy Instead - StockStory

<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxPMG1YYmZnZktGZ3I5cENTRktWczNhdi04QnNjSERyQVBvN0MyX3hQeFNzWm1fbFNrWld0YWxkTkowRnZtaWVlYUxQNFdVOHJ2VFBHLTVtaTB2MEFoUjV4d2x6UGJDbXRkLXlSQk9vdmhLWkVRZ0FhZEtrdzZ5TTEyWDdjS2ZBcTkyRlFfZU…

Google News Mon, 06 Jul 2026

WaFd (WAFD) schedules Q3 2026 earnings release and investor conference call - Stock Titan

<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxQVkpSSDdPcl9WR0s4M19fT1NJVmREX2dmQWJuY0k5bF9oR1phb3BRek1CSnFnOFNXMGJwUHdVRFNwOV9YMnpPWUZuS0NvRktERlFxWHZrdUl1ekE5ajRYTVp5NTVyaTdib0Q0SS16WkZJcWN5S19nRG1hTWl2clFRc1dYY25qaFpNNDdQSW…

Google News Mon, 27 Apr 2026

Insider Sale: EVP & Chief Operations Officer of $WAFD Sells 22,000 Shares - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxOdG5NZDhrV3lrYWotYjZtQUxrZnBkbXh0dWF4Z3lSdklaZTV3dWVmWXUyV1BtcF92a1BVRy1yUXBFV1NrSzBmMEdZVW8zdXFXUmt4S0NPaGVyU0JIcUo1b3lBWngzYnFlcm5sLXp2WXh1cWhUVlpZMWJkR3VTNzg4bmZXT3loY01lNnFVaW…

WAFD — Frequently Asked Questions

What is the current share price of WaFd, Inc. (WAFD)?

As of 2026-07-15 16:51 PDT, WaFd, Inc. (WAFD) trades at $38.39 on NasdaqGS. Its 52-week range is $27.16 to $39.04.

What is the market capitalisation of WAFD?

WaFd, Inc. (WAFD) has a market capitalisation of $2.84B on NasdaqGS.

What is the P/E ratio of WAFD?

WAFD trades at a trailing price-to-earnings (P/E) ratio of 12.59. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.07.

Does WAFD pay a dividend?

WaFd, Inc. (WAFD) currently offers a dividend yield of 2.82%.

What is the return on equity (ROE) of WAFD?

WAFD has a return on equity (ROE) of 8.39%.

Is WAFD a good stock to buy?

This page provides a data-driven analysis of WaFd, Inc. (WAFD), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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