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WAFDWaFd, Inc.
$30.70$2.3B
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
$30.70
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$2.27B
P/E11.7x
52W High$39.49
Volume1.43M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Post-Merger Integration Stabilizes Operational Efficiency Metrics

WaFd is currently navigating a transition phase following the Luther Burbank Savings acquisition, characterized by a recovery in net interest income to $177.6 million as of 2026Q2. While the bank maintains a solid capital cushion with an equity-to-assets ratio...

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

6/12 Beats

EPS beat 6 of last 12 quarters

02

Valuation risk

-19% Peers

P/E is 19% below peer median

03

Market leadership

RS 39 · Lag

Laggard (Underperforming 61% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 16

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
WAFD-1.93%
S&P 500 (^GSPC)+12.39%
1-Year Return
WAFD+2.71%
S&P 500 (^GSPC)+15.77%
3-Year Return
WAFD+31.98%
S&P 500 (^GSPC)+71.35%
5-Year Return
WAFD+8.91%
S&P 500 (^GSPC)+67.36%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
11.7x
Forward P/EExpansion
9.3x
EV/EBITDA60th %ile
11.5x
FCF YieldCash Flow
9.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.7x
11.5x
60th· Fair
EV/EBITDA
11.5x
9.3x
60th· Fair
Price/FCF
10.9x
8.4x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$19.15-37.6%
Base (Fair)$37.50+15.8%
Bull$61.27+99.6%
$19.15 Bear$37.50 Base$61.27 Bull
Current Market Price: $30.70
Trades at a 18.1% discount to Base DCF ($37.50)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$725M+0.4% YoY
Net income
$226M+13.0% YoY
Free cash flow
$208M-49.8% YoY
Operating margin
20.5%+2.7 pts YoY
ROIC (TTM)3.9%
Avg ROIC 5Y-
ROE (TTM)7.5%
Piotroski Score7 / 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 Rate6/12 (50%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
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
Q4 2025
Oct 16, 2025
$0.72-5.9%
vs $0.77
$188M-1.5%
vs $191M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 16, 2026
Reviewing WaFd (NASDAQ:WAFD) & Community West Bancshares (NASDAQ:CWBC)

Community West Bancshares (NASDAQ: CWBC - Get Free Report) and WaFd (NASDAQ: WAFD - Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, profitability, dividends, valuation, analyst recommendations, risk and earnings. Risk and Volatility Community West Bancshares has a

GlobeNewsWire·Sep 14, 2026
Halper Sadeh LLC is Investigating Whether WAFD and DSGR are Obtaining Fair Deals for their Shareholders

Insiders may stand to receive substantial financial benefits not available to ordinary shareholders. The proposed transactions may contain terms that could limit superior competing offers.

GuruFocus·Sep 11, 2026
Are WAFD, ACVA, CBAN, ROKU Obtaining Fair Deals for their Shareholders?

Are WAFD, ACVA, CBAN, ROKU Obtaining Fair Deals for their Shareholders?PR NewswireNEW YORK, Sept. 11, 2026Insiders may stand to receive substantial financial be

PRNewsWire·Sep 11, 2026
Are WAFD, ACVA, CBAN, ROKU Obtaining Fair Deals for their Shareholders?

/PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws

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
$30.70$2.27B11.670.42%16.03%7.49%3.44%
COLB logoCOLBColumbia Banking System, Inc.
$28.85$8.16B12.5419.28%19.96%9.22%—
BANR logoBANRBanner Corporation
$68.07$2.31B12.07-0.08%31.24%10.65%—
HOMB logoHOMBHome Bancshares, Inc.
$28.84$5.81B11.97-3.54%34.84%11.29%—
GBCI logoGBCIGlacier Bancorp, Inc.
$44.13$5.74B22.1825.77%20.25%7.61%—
CVBF logoCVBFCVB Financial Corp.
$22.01$3.16B14.487.23%29.31%8.22%—

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

Jul 17, 2026·SEC

Material company update

Jul 6, 2026·SEC

Material company update

May 12, 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 0.4% over the past year. Growth has been modest.

Is WAFD profitable?

Yes, WaFd, Inc. (WAFD) is profitable, generating $252.3M in net income for fiscal year 2025 (16.0% net margin).

Dividend & Returns
Does WAFD pay dividends?

Yes, WaFd, Inc. (WAFD) pays a dividend with a yield of 3.44%. This makes it attractive for income-focused investors.

What is WAFD's return on equity?

WaFd, Inc. (WAFD) has a return on equity (ROE) of 7.5%. This is below average, suggesting room for improvement.

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

WaFd, Inc. (WAFD) has a net interest margin (NIM) of 2.5%. 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 30.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WAFD back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →