WaFd, Inc. (WAFD)
Fair ValueFundamental
76
Price
$29.47
Market Cap
$2.10B
Part 1 · What the company is worth
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$783M
Trailing 12 months (through 6/30/2026)
Net Income
$256M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$208M
Total Equity
$3.04B
Total Liabilities
$23.66B
Current Ratio
-
Interest Coverage
0.47
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$31.04
Current Price
$29.47
Margin of Safety
+5.1%
Fair Value Range
$27.63 - $34.45
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
9.33
ROE
7.4%
P/B Ratio
0.72
P/FCF
9.61
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
12.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 8.01%
- P/FCF 9.61
- P/B ratio 0.72
- Operating margin 41.9%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Undervalued)
- ROE 8.5%
- Revenue growth 5Y 11.4%
- PEG ratio 1.38
- Earnings quality (operating cash flow / net income) 1.04
- Net margin trend 32.8% vs 31.2%
- Piotroski F-Score 6/9
Failed (6)
- Price CAGR -1.12%
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- Earnings surprise, average -4.0%
- Share dilution 7.4%
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Brent J. Beardall CPA | President, CEO & Vice Chairman | 54 |
| Ms. Kelli J. Holz CPA | Executive VP & CFO | 56 |
| Ms. Kim E. Robison | Executive VP & COO | 55 |
| Mr. Ryan M. Mauer | Executive VP & Chief Credit Officer | 54 |
| Ms. Cathy E. Cooper | Executive VP, Chief Experience Officer & Corporate Secretary | 59 |
| Ms. Blayne A. Sanden | Senior VP & Principal Accounting Officer | 48 |
| Mr. Brad Goode | Chief of Communications, Marketing & Community Relations and Senior VP | - |
| Lisa M. King | Senior Vice President of Human Resources | - |
| Mr. Keith D. Taylor | Senior Vice President of Corporate Real Estate and Treasurer | - |
| Mr. Robert C. Zirk | Senior VP & Controller | - |
Audit Risk
2
Board Risk
2
Compensation Risk
5
Shareholder Rights Risk
4
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2025-11-18
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-04
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-16
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much WAFD moves, measured on its daily prices.
More volatile than 14% of the tracked stocks (90-day volatility).
- Volatility 30d
- 24.1%
- Volatility 90d
- 22.8%
- Beta vs S&P 500 (1y)
- 0.46Correlation 0.24
- Max drawdown (12m)
- -27.9%
- ATR (14d, % of price)
- 2.53%
Earnings reactions
How WAFD moved around its past quarterly results.
Next earnings release
Jan 14, 2027 · In 82 days · Time not known
EPS estimate: 0.79Revenue estimate: $204M
What usually happens
- Over the last 12 releases the stock moved a median of 2.2% the next day, up or down.
- Next-day moves: up 3, down 9 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 16, 2026 | After the close | 0.86 | 0.76 | -11.6% | -0.5% | -2.5% | +1.1% |
| Jul 17, 2026 | After the close | 0.83 | 0.84 | +1.1% | -0.2% | -3.4% | -3.6% |
| Apr 17, 2026 | After the close | 0.77 | 0.82 | +7.0% | -0.4% | -0.1% | -0.1% |
| Jan 16, 2026 | After the close | 0.77 | 0.79 | +2.9% | -0.8% | -2.9% | -1.8% |
| Oct 28, 2025 | After the close | 0.79 | 0.72 | -8.4% | -0.8% | -2.1% | +0.5% |
| Jul 18, 2025 | After the close | n/a | n/a | n/a | +1.0% | +0.6% | 0.0% |
| Apr 15, 2025 | After the close | n/a | n/a | n/a | -0.6% | +0.6% | +3.8% |
| Jan 21, 2025 | After the close | n/a | n/a | n/a | -1.0% | -2.3% | -0.9% |
| Oct 18, 2024 | After the close | n/a | n/a | n/a | -2.8% | -6.0% | -6.7% |
| Jul 17, 2024 | After the close | n/a | n/a | n/a | -1.2% | -1.1% | +1.6% |
| Apr 23, 2024 | After the close | n/a | n/a | n/a | -1.9% | -0.7% | -5.2% |
| Jan 18, 2024 | After the close | n/a | n/a | n/a | +0.7% | +2.4% | +4.3% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on WAFD and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for WAFD.