WAFD
WaFd, Inc.
Banks - Regional
Market Cap$2.72B
5Y Perf.+37.8%
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Stock Comparison
WAFD vs HOMB
Revenue, margins, valuation, and 5-year total return — side by side.
HOMB
Home Bancshares, Inc.
Banks - Regional
Market Cap$5.32B
5Y Perf.+86.8%
WAFD vs HOMB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | WAFD | HOMB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.72B | $5.32B |
| Revenue (TTM) | $1.41B | $1.45B |
| Net Income (TTM) | $243M | $458M |
| Gross Margin | 50.9% | 65.6% |
| Operating Margin | 20.5% | 36.0% |
| Forward P/E | 10.9x | 10.9x |
| Total Debt | $1.82B | $1.20B |
| Cash & Equiv. | $657M | $910M |
WAFD vs HOMB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
WAFD
HOMB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| WaFd, Inc. (WAFD) | 100 | 137.8 | +37.8% |
| Home Bancshares, In… (HOMB) | 100 | 186.8 | +86.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: WAFD vs HOMB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: WAFD leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. Home Bancshares, Inc. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
WAFD
WaFd, Inc.
The Banking Pick
WAFD carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 7 yrs, beta 0.81, yield 3.0%
- 84.0% 10Y total return vs HOMB's 58.1%
- Lower volatility, beta 0.81, Low D/E 59.8%, current ratio 0.00x
Best for: income & stability and long-term compounding
HOMB
Home Bancshares, Inc.
The Banking Pick
HOMB is the clearest fit if your priority is growth exposure and bank quality.
- Rev growth 9.5%, EPS growth 3.6%
- NIM 3.8% vs WAFD's 2.5%
- 9.5% NII/revenue growth vs WAFD's -1.6%
Best for: growth exposure and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HOMB | 9.5% NII/revenue growth vs WAFD's -1.6% |
| Value | WAFD | PEG 3.55 vs 3.57 |
| Quality / Margins | HOMB | Efficiency ratio 0.3% vs WAFD's 0.3% (lower = leaner) |
| Stability / Safety | WAFD | Beta 0.81 vs HOMB's 0.82 |
| Dividends | WAFD | 3.0% yield, 7-year raise streak, vs HOMB's 2.8% |
| Momentum (1Y) | WAFD | +29.3% vs HOMB's -1.3% |
| Efficiency (ROA) | HOMB | Efficiency ratio 0.3% vs WAFD's 0.3% |
WAFD vs HOMB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
WAFD vs HOMB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHOMBLAGGINGWAFD
WAFDWaFd, Inc.
2leads
HOMBHome Bancshares, Inc.
3leads
6 Total Categories
CATEGORYLEADERvs WAFDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HOMB4/5
Valuation MetricsMultiples, price ratios, and targets
HOMB4/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HOMB8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
WAFD6/6
Risk & VolatilityBeta, volatility, and downside exposure
WAFD2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
HOMB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HOMB and WAFD operate at a comparable scale, with $1.5B and $1.4B in trailing revenue. HOMB is the more profitable business, keeping 27.7% of every revenue dollar as net income compared to WAFD's 16.0%.
| Metric | WAFDWaFd, Inc. | HOMBHome Bancshares, … |
|---|---|---|
| RevenueTrailing 12 months | $1.4B | $1.5B |
| EBITDAEarnings before interest/tax | $277M | $601M |
| Net IncomeAfter-tax profit | $243M | $458M |
| Free Cash FlowCash after capex | $226M | $354M |
| Gross MarginGross profit ÷ Revenue | +50.9% | +65.6% |
| Operating MarginEBIT ÷ Revenue | +20.5% | +36.0% |
| Net MarginNet income ÷ Revenue | +16.0% | +27.7% |
| FCF MarginFCF ÷ Revenue | +14.8% | +29.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +46.3% | +26.0% |
HOMB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
HOMB leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 13.4x trailing earnings, HOMB trades at a 1% valuation discount to WAFD's 13.6x P/E. Adjusting for growth (PEG ratio), WAFD offers better value at 4.40x vs HOMB's 4.42x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | WAFDWaFd, Inc. | HOMBHome Bancshares, … |
|---|---|---|
| Market CapShares × price | $2.7B | $5.3B |
| Enterprise ValueMkt cap + debt − cash | $3.9B | $5.6B |
| Trailing P/EPrice ÷ TTM EPS | 13.55x | 13.45x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.92x | 10.89x |
| PEG RatioP/E ÷ EPS growth rate | 4.40x | 4.42x |
| EV / EBITDAEnterprise value multiple | 12.98x | 10.18x |
| Price / SalesMarket cap ÷ Revenue | 1.93x | 3.67x |
| Price / BookPrice ÷ Book value/share | 0.94x | 1.37x |
| Price / FCFMarket cap ÷ FCF | 13.08x | 12.61x |
HOMB leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
HOMB leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
HOMB delivers a 10.9% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $8 for WAFD. HOMB carries lower financial leverage with a 0.30x debt-to-equity ratio, signaling a more conservative balance sheet compared to WAFD's 0.60x.
| Metric | WAFDWaFd, Inc. | HOMBHome Bancshares, … |
|---|---|---|
| ROE (TTM)Return on equity | +8.0% | +10.9% |
| ROA (TTM)Return on assets | +1.0% | +2.0% |
| ROICReturn on invested capital | +3.9% | +7.2% |
| ROCEReturn on capital employed | +5.7% | +9.8% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.60x | 0.30x |
| Net DebtTotal debt minus cash | $1.2B | $292M |
| Cash & Equiv.Liquid assets | $657M | $910M |
| Total DebtShort + long-term debt | $1.8B | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.48x | 1.44x |
HOMB leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
WAFD leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in WAFD five years ago would be worth $12,231 today (with dividends reinvested), compared to $10,758 for HOMB. Over the past 12 months, WAFD leads with a +29.3% total return vs HOMB's -1.3%. The 3-year compound annual growth rate (CAGR) favors WAFD at 14.8% vs HOMB's 12.6% — a key indicator of consistent wealth creation.
| Metric | WAFDWaFd, Inc. | HOMBHome Bancshares, … |
|---|---|---|
| YTD ReturnYear-to-date | +11.8% | -2.4% |
| 1-Year ReturnPast 12 months | +29.3% | -1.3% |
| 3-Year ReturnCumulative with dividends | +51.5% | +42.8% |
| 5-Year ReturnCumulative with dividends | +22.3% | +7.6% |
| 10-Year ReturnCumulative with dividends | +84.0% | +58.1% |
| CAGR (3Y)Annualised 3-year return | +14.8% | +12.6% |
WAFD leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
WAFD leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
WAFD is the less volatile stock with a 0.81 beta — it tends to amplify market swings less than HOMB's 0.82 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. WAFD currently trades 99.0% from its 52-week high vs HOMB's 87.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | WAFDWaFd, Inc. | HOMBHome Bancshares, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.81x | 0.82x |
| 52-Week HighHighest price in past year | $36.02 | $30.83 |
| 52-Week LowLowest price in past year | $26.31 | $25.68 |
| % of 52W HighCurrent price vs 52-week peak | +99.0% | +87.7% |
| RSI (14)Momentum oscillator 0–100 | 67.3 | 45.9 |
| Avg Volume (50D)Average daily shares traded | 660K | 1.5M |
WAFD leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — WAFD and HOMB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates WAFD as "Hold" and HOMB as "Hold". Consensus price targets imply 18.4% upside for HOMB (target: $32) vs -1.8% for WAFD (target: $35). For income investors, WAFD offers the higher dividend yield at 2.96% vs HOMB's 2.77%.
| Metric | WAFDWaFd, Inc. | HOMBHome Bancshares, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $35.00 | $32.00 |
| # AnalystsCovering analysts | 11 | 19 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +2.8% |
| Dividend StreakConsecutive years of raises | 7 | 21 |
| Dividend / ShareAnnual DPS | $1.05 | $0.75 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.7% | +1.6% |
Evenly matched — WAFD and HOMB each lead in 1 of 2 comparable metrics.
Key Takeaway
HOMB leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). WAFD leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallHome Bancshares, Inc. (HOMB)Leads 3 of 6 categories
Loading custom metrics...
WAFD vs HOMB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is WAFD or HOMB a better buy right now?
For growth investors, Home Bancshares, Inc.
(HOMB) is the stronger pick with 9. 5% revenue growth year-over-year, versus -1. 6% for WaFd, Inc. (WAFD). Home Bancshares, Inc. (HOMB) offers the better valuation at 13. 4x trailing P/E (10. 9x forward), making it the more compelling value choice. Analysts rate WaFd, Inc. (WAFD) a "Hold" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — WAFD or HOMB?
On trailing P/E, Home Bancshares, Inc.
(HOMB) is the cheapest at 13. 4x versus WaFd, Inc. at 13. 6x. On forward P/E, Home Bancshares, Inc. is actually cheaper at 10. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: WaFd, Inc. wins at 3. 55x versus Home Bancshares, Inc. 's 3. 57x.
03Which is the better long-term investment — WAFD or HOMB?
Over the past 5 years, WaFd, Inc.
(WAFD) delivered a total return of +22. 3%, compared to +7. 6% for Home Bancshares, Inc. (HOMB). Over 10 years, the gap is even starker: WAFD returned +84. 0% versus HOMB's +58. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — WAFD or HOMB?
By beta (market sensitivity over 5 years), WaFd, Inc.
(WAFD) is the lower-risk stock at 0. 81β versus Home Bancshares, Inc. 's 0. 82β — meaning HOMB is approximately 1% more volatile than WAFD relative to the S&P 500. On balance sheet safety, Home Bancshares, Inc. (HOMB) carries a lower debt/equity ratio of 30% versus 60% for WaFd, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — WAFD or HOMB?
By revenue growth (latest reported year), Home Bancshares, Inc.
(HOMB) is pulling ahead at 9. 5% versus -1. 6% for WaFd, Inc. (WAFD). On earnings-per-share growth, the picture is similar: WaFd, Inc. grew EPS 5. 2% year-over-year, compared to 3. 6% for Home Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — WAFD or HOMB?
Home Bancshares, Inc.
(HOMB) is the more profitable company, earning 27. 7% net margin versus 16. 0% for WaFd, Inc. — meaning it keeps 27. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HOMB leads at 36. 0% versus 20. 5% for WAFD. At the gross margin level — before operating expenses — HOMB leads at 65. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is WAFD or HOMB more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, WaFd, Inc. (WAFD) is the more undervalued stock at a PEG of 3. 55x versus Home Bancshares, Inc. 's 3. 57x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Home Bancshares, Inc. (HOMB) trades at 10. 9x forward P/E versus 10. 9x for WaFd, Inc. — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOMB: 18. 4% to $32. 00.
08Which pays a better dividend — WAFD or HOMB?
All stocks in this comparison pay dividends.
WaFd, Inc. (WAFD) offers the highest yield at 3. 0%, versus 2. 8% for Home Bancshares, Inc. (HOMB).
09Is WAFD or HOMB better for a retirement portfolio?
For long-horizon retirement investors, WaFd, Inc.
(WAFD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 81), 3. 0% yield). Both have compounded well over 10 years (WAFD: +84. 0%, HOMB: +58. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between WAFD and HOMB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(WAFD: -1.6% · HOMB: 9.5%)Net Margin>
%
(WAFD: 16.0% · HOMB: 27.7%)P/E Ratio<
x
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