WaFd, Inc. (WAFD)
NEUTRALFundamental
59
Price
$36.20
Market Cap
$2.69B
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
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
$33.36
Current Price
$36.20
Margin of Safety
-8.5%
Fair Value Range
$28.74 - $37.98
Estimation Methods
Valuation Metrics
P/E Ratio
11.48
ROE
7.4%
P/B Ratio
0.89
P/FCF
11.83
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
12.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- EPS CAGR 8.01%
- P/FCF 11.83
- P/B Ratio 0.89
- Operating Margin 41.9%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 8.5%
- Revenue Growth 5Y 11.4%
- Earnings Quality (OCF/NI) 1.04
- Net Margin Trend 32.8% vs 31.2%
- Piotroski F-Score 6/9
Failed (9)
- Price CAGR 0.58%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Analyst Consensus 0% Buy
- Earnings Surprise avg 0.6%
- PEG Ratio 2.42
- Share Dilution 7.4%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- 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
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
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for WAFD, sourced from Markets Gazette.