WaFd, Inc. WAFD R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States

https://www.wafdbank.com

Company Profile ↓

$36.28

+20.78% 1Y

Mkt Cap$2.68B

P/E11.44

P/B1.01

Div. Yield2.88%

52W High$39.03

52W Low$26.96

Book Value$36.81

EPS (TTM)$3.17

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

Steady Revenue Expansion

Revenue has grown at a 74.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 11.4, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 33.7%.

Dividend Income

Offers a dividend yield of 2.88%.

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 +5.6%, earnings +15.1%.
5-Year Trend Long-term compounding — revenue CAGR 74.2%, profit CAGR 8.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:	74.24%
1 Year:	5.60%

Compounded Profit Growth

5 Years:	8.39%
1 Year:	15.10%

Stock Price Performance

1 Year:	+20.78%
6 Months:	+18.81%
3 Months:	+2.75%
1 Month:	-2.46%

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

Technical Snapshot Mixed

52-Week Range 77% of range

$26.96 $39.03

Trend Signals

Price vs 50-DMABelow
Price vs 200-DMAAbove
RSI (14)46.90 · Neutral

Price Performance

1M-2.46%

3M+2.75%

6M+18.81%

1Y+20.78%

Valuation vs Sector

P/E of 11.44 is below the sector median of 14.52 — relatively cheaper than peers.

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

Price Chart

Robinhood TradingView

Fundamental Growth Charts

Period: Metric:

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 33.7%.
Compounding revenue at 74.2% over 5 years.
Attractive dividend yield of 2.88%.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Valuation

Stock P/E

11.44

Industry PE

14.52

Forward P/E

10.79

PEG Ratio

1.85

Book Value

$36.81

Price to Book

1.01

P/S

3.61

EV/EBITDA

Dividend Yield

2.88%

Growth (CAGR)

Revenue 5Y

74.24%

Profit 5Y

8.39%

Revenue (YoY)

5.60%

Earnings (YoY)

15.10%

Profitability & Returns

ROCE

ROE

8.50%

ROA

0.94%

Profit Margin

33.70%

Op Margin

46.13%

Gross Margin

0.00%

EPS (Latest Qtr)

$0.84

EPS (TTM)

$3.17

Balance Sheet & Liquidity

Debt/Equity

0.60

Quick Ratio

Current Ratio

Debt

$3.36B

Total Assets

$27.60B

Current Assets

Working Capital

Ownership

Promoter Holding

1.73%

Chg in Prom Hold

-0.00%

FII / Inst Holding

87.39%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

$2.68B

Total Revenue (TTM)

$761.06M

EBITDA

Free Cash Flow

$208.25M

Operating Cash Flow

$267.51M

Shares Outstanding

73.95M

Gross Margin

0.00%

Payout Ratio

34.07%

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	WAFD WaFd, Inc. R2KR3KFINANCIAL	36.28	11.44	$2.68B	2.88%	-	8.50%	74.24%	8.39%
2	JPM JPMorgan Chase & Co. SPXR3KFINANCIAL	358.64	15.37	$953.34B	1.68%	-	17.79%	12.50%	14.83%
3	BRK-B Berkshire Hathaway Inc. SPXFINANCIAL	506.03	15.07	$707.59B	0.00%	-	10.50%	4.18%	9.44%
4	V Visa Inc. SPXR3KFINANCIAL	374.00	31.86	$637.34B	0.72%	37.15%	61.19%	14.33%	13.04%
5	MA Mastercard Incorporated SPXR3KFINANCIAL	579.21	31.82	$503.60B	0.60%	60.19%	-	12.29%	19.21%
6	BAC Bank of America Corporation SPXR3KFINANCIAL	62.68	14.48	$438.31B	2.03%	-	11.20%	3.14%	4.27%
7	BRK-A Berkshire Hathaway Inc. FINANCIAL	759,350.00	15.07	$384.00B	0.00%	-	10.50%	7.60%	10.02%
8	HSBC HSBC Holdings plc FINANCIAL	107.11	15.30	$367.34B	3.62%	-	13.10%	9.75%	12.72%
9	MS Morgan Stanley SPXR3KFINANCIAL	217.72	17.59	$342.26B	2.15%	-	17.97%	3.76%	9.66%

Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Dec 2021	Mar 2022	Jun 2022	Dec 2022	Mar 2023	Jun 2023	Dec 2023	Mar 2024	Jun 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.26M	-	6.26M	6.10M	5.48M	-	6.03M	5.96M	6.20M	6.44M	6.28M	6.61M	6.35M	6.19M	6.66M	6.80M	6.70M	6.96M	7.05M	179.59M	186.09M	187.62M	191.52M	197.66M	8.14M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	175.17M	163.73M	156.63M	151.38M	147.16M	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	72.01M	79.76M	77.62M	82.30M	83.81M	-
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.76M	17.81M	17.03M	18.11M	18.26M	-
Net Income	42.50M	35.10M	41.72M	43.00M	44.22M	41.25M	42.07M	44.11M	46.10M	51.67M	49.27M	51.39M	51.52M	52.94M	51.10M	53.85M	52.36M	67.87M	36.38M	34.85M	34.34M	38.95M	44.87M	47.42M	50.28M	49.36M	63.30M	79.51M	65.93M	61.77M	58.45M	15.89M	64.56M	47.27M	56.25M	61.95M	60.60M	64.20M	65.55M	66.13M
Diluted EPS	0.45	0.38	0.45	0.47	0.49	0.46	0.47	0.49	0.52	0.59	0.57	0.61	0.62	0.65	0.63	0.67	0.66	0.86	0.47	0.46	0.45	0.51	0.56	0.61	0.71	0.70	0.91	1.16	0.95	0.89	0.85	0.17	0.75	0.54	0.65	0.73	0.72	0.79	0.82	0.84

Profit & Loss (Annual)

Figures in USD.

Metric	Sep 2008	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Revenue	-	-	-	-	-	-	-	-	-	-	25.90M	24.88M	23.69M	-	661.61M	742.61M	721.83M	724.86M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	71.77M	352.72M	710.88M	685.21M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	300.04M	325.08M	256.06M	289.64M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.71M	67.65M	56.02M	63.57M
Net Income	62.33M	48.17M	118.65M	111.14M	138.18M	151.50M	157.36M	160.32M	164.05M	173.53M	203.85M	210.26M	173.44M	-	236.33M	257.43M	200.04M	226.07M
Diluted EPS	0.71	0.46	1.05	1.00	1.29	1.45	1.55	1.67	1.78	1.94	2.40	2.61	2.26	-	3.39	3.72	2.50	2.63

Balance Sheet (Annual)

Figures in USD.

Metric	Sep 2007	Sep 2008	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Total Assets	-	-	12.58B	13.49B	13.44B	12.47B	13.08B	14.76B	14.57B	14.89B	15.25B	15.87B	16.47B	18.79B	-	20.77B	22.47B	28.06B	26.70B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	61.38M	82.60M	498.39M	888.62M	816.00M	751.43M	203.56M	781.84M	284.05M	450.37M	313.07M	268.65M	419.16M	1.70B	-	683.97M	980.65M	2.38B	657.31M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.87M	87.00M	102.83M	98.59M
Total Liabilities	-	-	10.84B	11.65B	11.53B	10.57B	11.15B	12.78B	12.61B	12.91B	13.25B	13.87B	14.44B	16.78B	-	18.50B	20.05B	25.06B	23.66B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.12B	3.65B	3.32B	70.21M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.12B	3.65B	3.32B	1.82B
Total Equity	1.32B	1.33B	1.75B	1.84B	1.91B	1.90B	1.94B	1.97B	1.96B	1.98B	2.01B	2.00B	2.03B	2.01B	-	2.27B	2.43B	3.00B	3.04B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	136.27M	136.47M	154.01M	154.41M

Cash Flows (Annual)

Figures in USD.

Metric	Sep 2008	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Operating Cash Flow	162.23M	184.24M	250.88M	261.70M	174.96M	181.42M	173.72M	142.87M	221.72M	179.70M	190.70M	234.05M	166.60M	-	268.46M	213.96M	439.23M	236.95M
Investing Cash Flow	-634.76M	-456.51M	307.28M	-164.03M	1.05B	-391.89M	781.02M	-290.49M	-131.06M	-544.54M	-674.45M	-421.37M	-920.98M	-	-2.49B	-1.38B	3.29B	-318.41M
Financing Cash Flow	493.75M	688.05M	-167.93M	-170.28M	-1.29B	-337.39M	-376.46M	-350.18M	75.66M	227.54M	439.32M	337.83M	2.04B	-	817.86M	1.46B	-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	139.90M	178.97M	237.85M	251.16M	142.95M	152.18M	121.92M	96.43M	179.95M	164.24M	163.57M	198.52M	134.66M	-	256.68M	198.89M	414.55M	208.25M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.41B	296.68M	1.40B	-1.72B
Share Buybacks	-	0	0	59.68M	41.91M	110.24M	104.29M	126.73M	87.85M	98.37M	164.25M	123.85M	112.13M	348.65M	3.26M	30.46M	27.07M	101.93M

Ratios (Annual)

Figures in %.

Metric	Sep 2008	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 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

87.39%

Public Float

88.93%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.56%	10.77M	$388.84M
2	Dimensional Fund Advisors LP	6.71%	4.96M	$179.17M
3	Vanguard Portfolio Management LLC	6.43%	4.76M	$171.61M
4	State Street Corporation	5.87%	4.35M	$156.84M
5	Alliancebernstein L.P.	5.15%	3.81M	$137.41M
6	Vanguard Capital Management LLC	4.49%	3.32M	$119.98M
7	Fuller & Thaler Asset Management Inc.	4.25%	3.14M	$113.41M
8	American Century Companies Inc	3.27%	2.42M	$87.21M
9	Geode Capital Management, LLC	2.69%	1.99M	$71.73M
10	Systematic Financial Management, L.P.	2.11%	1.56M	$56.23M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for WAFD

Yahoo Finance Wed, 05 Aug 2026

WaFd Bank Donates $100,000 to American Red Cross to Support Spokane and Eastern Washington Wildfire Relief

SEATTLE, August 05, 2026--WaFd, Inc. (Nasdaq: WAFD) (the "Company"), the parent company of WaFd Bank, announced today a $100,000 donation to the American Red Cross of the Greater Inland Northwest to support disaster relief and recovery effo…

Yahoo Finance Wed, 22 Jul 2026

WaFd Inc (WAFD) Q3 2026 Earnings Call Highlights: Strong Loan Growth and Shareholder Returns ...

WaFd Inc (WAFD) reports robust loan originations and a 23% shareholder return, despite facing deposit declines and rising credit risks.

Yahoo Finance Mon, 20 Jul 2026

Does WaFd’s Buyback-Fueled EPS Growth Shift the Bull Case for WAFD?

WaFd, Inc. reported its third-quarter and nine-month results for the period ended June 30, 2026, showing year-over-year increases in net interest income to US$181.34 million for the quarter and US$530.02 million year-to-date, alongside high…

Yahoo Finance Sun, 19 Jul 2026

WaFd (WAFD) Could Be 2% Overvalued As Revenue Beat Meets Credit Cost Concerns

WaFd (WAFD) stock is back in focus after fiscal third quarter results combined stronger revenue and higher net interest income with a small earnings per share miss and higher provisions for credit losses. See our latest analysis for WaFd. W…

Yahoo Finance Fri, 17 Jul 2026

Why WaFd Bank (WAFD) Shares Are Trading Lower Today

Shares of regional banking company WaFd (NASDAQ:WAFD) fell 3.4% in the afternoon session after the company reported first-quarter results that surpassed Wall Street's expectations. The bank posted revenue of $197.4 million, a 10% increase y…

Yahoo Finance Fri, 17 Jul 2026

WaFd revenue tops forecasts as earnings come in slightly below expectations

WaFd, Inc. (NASDAQ:WAFD) reported fiscal third-quarter results on Friday, delivering revenue above Wall Street forecasts while earnings per share came in just below analyst expectations.

WAFD — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, WaFd, Inc. (WAFD) trades at $36.28 on NasdaqGS. Its 52-week range is $26.96 to $39.03.

What is the market capitalisation of WAFD?

WaFd, Inc. (WAFD) has a market capitalisation of $2.68B on NasdaqGS.

What is the P/E ratio of WAFD?

WAFD trades at a trailing price-to-earnings (P/E) ratio of 11.44. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.01.

Does WAFD pay a dividend?

WaFd, Inc. (WAFD) currently offers a dividend yield of 2.88%.

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

WAFD has a return on equity (ROE) of 8.50%.

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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WaFd, Inc. WAFD R2KR3KFINANCIAL

Company Overview

Why Investors Should Care

Recent Developments

Growth & Price Performance

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Price Chart

Technical Trend

Fundamental Growth Charts

PROS

CONS

Valuation

Growth (CAGR)

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

WaFd Bank Donates $100,000 to American Red Cross to Support Spokane and Eastern Washington Wildfire Relief

WaFd Inc (WAFD) Q3 2026 Earnings Call Highlights: Strong Loan Growth and Shareholder Returns ...

Does WaFd’s Buyback-Fueled EPS Growth Shift the Bull Case for WAFD?

WaFd (WAFD) Could Be 2% Overvalued As Revenue Beat Meets Credit Cost Concerns

Why WaFd Bank (WAFD) Shares Are Trading Lower Today

WaFd revenue tops forecasts as earnings come in slightly below expectations

WAFD — Frequently Asked Questions

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

What is the market capitalisation of WAFD?

What is the P/E ratio of WAFD?

Does WAFD pay a dividend?

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

Is WAFD a good stock to buy?

Explore More