WaFd, Inc. WAFD R2K

Financial Services · Banks - Regional · United States

https://www.wafdbank.com

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.

Market & Price

Market Cap

$2.63B

Current Price

$35.56

High / Low (52W)

$35.96 / $26.72

Beta

0.85

Valuation

Stock P/E

11.66

Industry PE

12.01

Forward P/E

10.36

PEG Ratio

1.85

Book Value

$35.70

Price to Book

1.00

P/S

3.50

EV/EBITDA

Dividend Yield

3.04%

Profitability & Returns

ROCE

ROE

8.39%

ROA

0.91%

Profit Margin

33.60%

Op Margin

45.80%

EPS (Latest Qtr)

$0.82

EPS (TTM)

$3.05

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$3.17B

Total Assets

$26.70B

Current Assets

Working Capital

Ownership

Promoter Holding

1.72%

Chg in Prom Hold

FII / Inst Holding

85.38%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$5.41B

Total Revenue (TTM)

$750.81M

EBITDA

Free Cash Flow

Operating Cash Flow

$255.24M

Shares Outstanding

73.89M

Gross Margin

0.00%

Payout Ratio

35.41%

Growth (CAGR)

Revenue 5Y

3.09%

Profit 5Y

-1.47%

Revenue (YoY)

9.20%

Earnings (YoY)

26.40%

PROS

Excellent profit margin of 33.6%.
Attractive dividend yield of 3.04%.
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.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	35.56	11.66	$2.63B	3.04%	-	8.39%	3.09%	-1.47%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	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
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
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	39.05M	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
Diluted EPS	0.41	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

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

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:	+29.38%
6 Months:	+11.24%
3 Months:	+15.00%
1 Month:	+2.20%

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

1.72%

Institutions

85.38%

Public Float

86.88%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.95%	11.04M	$392.73M
2	Dimensional Fund Advisors LP	6.69%	4.95M	$175.86M
3	Vanguard Portfolio Management LLC	6.52%	4.82M	$171.42M
4	State Street Corporation	5.71%	4.22M	$149.91M
5	Alliancebernstein L.P.	4.84%	3.57M	$127.11M
6	Vanguard Capital Management LLC	4.64%	3.43M	$121.87M
7	Fuller & Thaler Asset Management Inc.	4.40%	3.25M	$115.73M
8	American Century Companies Inc	2.99%	2.21M	$78.60M
9	Geode Capital Management, LLC	2.64%	1.95M	$69.42M
10	Systematic Financial Management, L.P.	2.08%	1.54M	$54.70M

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WAFD · Financial Services

WaFd, Inc.

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	2,070
Website	https://www.wafdbank.com

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WaFd, Inc. WAFD R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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