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WAFDWaFd, Inc.
$29.43$2.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
WAFD logo

WaFd, Inc.

WAFD
NASDAQ · Regional Banks
$29.43
At close - Nov 6, 4:00 PM EST - USD
Market Cap$2.17B
P/E8.5x
52W High$39.49
Volume574.63K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Sub-1% NIM Caps Earnings Recovery Potential

WaFd's earnings have recovered from the $15.9M Luther Burbank merger-quarter trough in 2024Q2 to $66.1M in 2026Q3, with EPS growth of 21.9% year-over-year and a fee income mix that has doubled from 7.1% to 11.8% of revenue, suggesting integration efficiencies are being realized through a 53.6% efficiency ratio, down…

GrowthMixed
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

WAFD price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

-30% Peers

P/E is 30% below peer median

03

Market leadership

RS 37 · Lag

Laggard (Underperforming 63% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 15

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
WAFD-5.88%
S&P 500 (^GSPC)+7.63%
1-Year Return
WAFD+1.73%
S&P 500 (^GSPC)+9.69%
3-Year Return
WAFD+22.27%
S&P 500 (^GSPC)+68.49%
5-Year Return
WAFD-4.53%
S&P 500 (^GSPC)+56.55%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
8.5x
Forward P/E
8.9x
EV/EBITDA40th %ile
11.7x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
8.5x
9.3x
20th· Low
EV/EBITDA
11.7x
12.0x
40th· Fair
Price/FCF
N/A
8.4x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$20.84-29.2%
Base (Fair)$40.64+38.1%
Bull$66.39+125.6%
$20.84 Bear$40.64 Base$66.39 Bull
Current Market Price: $29.43
Trades at a 27.6% discount to Base DCF ($40.64)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY26
$813M+12.2% YoY
Net income FY26
$256M+13.2% YoY
Free cash flow FY26
-
Operating margin FY26
40.3%+0.3 pts YoY
ROIC (FY26)4.7%
Avg ROIC 5Y4.4%
ROE (TTM)8.5%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 15, 2026
$0.85+0.8%
vs $0.84
$220M+8.2%
vs $204M
Q3 2026
Jul 16, 2026
$0.81-0.6%
vs $0.81
$206M+3.0%
vs $200M
Q2 2026
Apr 16, 2026
$0.83+10.7%
vs $0.75
$197M+3.7%
vs $190M
Q1 2026
Jan 15, 2026
$0.75-1.3%
vs $0.76
$191M-0.8%
vs $193M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·Oct 26, 2026
WAFD Stock Alert: Halper Sadeh LLC is Investigating Whether WaFd, Inc. is Obtaining a Fair Price for its Shareholders

NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating the merger of WaFd, Inc. (NASDAQ: WAFD) and EverBank Financial Corp. Upon closing of the proposed transaction, WaFd shareholders are expected to own 40.8% of the combined company.Halper Sadeh encourages WaFd shareholders to click here to learn more about their rights and options or contact Daniel Sadeh or Zachary Halper free of charge at (212) 763-0060 or [email protected] or [email protected].

Defense World·Oct 19, 2026
Head to Head Review: WaFd (NASDAQ:WAFD) and S&T Bancorp (NASDAQ:STBA)

WaFd (NASDAQ: WAFD - Get Free Report) and S&T Bancorp (NASDAQ: STBA - Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, dividends, analyst recommendations, valuation, profitability, risk and institutional ownership. Valuation and Earnings This table compares WaFd and S&T

Defense World·Oct 18, 2026
What WaFd (WAFD) Said on Its Q4 Earnings Call

WaFd (NASDAQ: WAFD) reported fourth-quarter fiscal 2026 net income available to common shareholders of $56.3 million, or $0.76 per diluted share, as loan-sale gains and modest net interest income growth were offset by higher credit provisions and merger-related expenses. For the full fiscal year ended Sept. 30, the bank earned $241.2 million, or $3.21 per diluted

Seeking Alpha·Oct 16, 2026
WaFd, Inc. (WAFD) Q4 2026 Earnings Call Transcript

WaFd, Inc. ( WAFD ) Q4 2026 Earnings Call October 16, 2026 10:00 AM EDT Company Participants Brad Goode - Chief of Communications, Marketing & Community Relations and Senior VP Brent Beardall - President, CEO & Vice Chairman Kelli Holz - Executive VP & CFO Ryan Mauer - Executive VP & Chief Credit Officer Conference Call Participants Jeff Rulis - D.A. Davidson & Co., Research Division Matthew Clark - Piper Sandler & Co., Research Division Andrew Terrell - Stephens Inc., Research Division Kelly Motta - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Good day, and thank you for standing by.

Filtered for WaFd, Inc.More Headlines
04

Compare before deciding

Benchmark WAFD against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for WaFd, Inc. (WAFD)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
WAFD logoWAFDWaFd, Inc.Current
$29.43$2.17B8.5312.22%31.45%8.5%—
COLB logoCOLBColumbia Banking System, Inc.
$30.48$8.62B10.2319.28%30.19%11.08%3.7%
BANR logoBANRBanner Corporation
$70.09$2.38B12.12-0.08%38.63%10.07%2.8%
HOMB logoHOMBHome Bancshares, Inc.
$29.86$6.01B12.16-3.54%43.71%10.95%2.69%
GBCI logoGBCIGlacier Bancorp, Inc.
$48.16$6.27B18.0325.77%28.57%8.14%2.6%
CVBF logoCVBFCVB Financial Corp.
$22.74$3.26B17.147.23%36.65%8.52%3.59%

Compare WAFD vs Peers

WaFd, Inc. (WAFD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs COLB

Most directly comparable listed peer for WAFD.

Scale Benchmark

vs ICE

Larger-name benchmark to compare WAFD against a more recognizable public peer.

Peer Set

Compare Top 5

vs COLB, BANR, HOMB, GBCI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

WAFD SEC Filings & Documents

WaFd, Inc. (WAFD) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 5, 2026·SEC

Material company update

Jul 17, 2026·SEC

Material company update

Jul 6, 2026·SEC

10-K Annual Reports

2
FY 2025

Nov 18, 2025·SEC

FY 2024

Nov 20, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2026

Feb 4, 2026·SEC

FY 2025

Aug 5, 2025·SEC

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WAFD Frequently Asked Questions

WaFd, Inc. (WAFD) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is WaFd, Inc. growing?

WaFd, Inc. (WAFD) grew revenue by 12.2% over the trailing twelve months, compared with the twelve months before.

Is WAFD profitable?

Yes. WaFd, Inc. (WAFD) earned $255.9M in net income over the trailing twelve months (a 31.5% net margin).

Dividend & Returns
What is WAFD's return on equity?

WaFd, Inc. (WAFD) had a return on equity (ROE) of 8.5% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics
What is WaFd, Inc.'s net interest margin?

WaFd, Inc. (WAFD) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

What is WaFd, Inc.'s efficiency ratio?

WaFd, Inc. (WAFD) has an efficiency ratio of 55.0%. This is reasonable for a bank.

What if you invested $1,000 in WAFD back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

See returns →