WaFd, Inc. (WAFD) Earnings History
Steady Earner38 years of earnings data (1989–2026) · Positive but moderate multi-year EPS trajectory
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WaFd, Inc. (WAFD) Earnings Overview
As of November 8, 2026, WaFd, Inc. (WAFD) reported trailing twelve-month net income of $256M, reflecting +22.1% year-over-year growth. The company earned $3.45 per diluted share over the past four quarters, with a net profit margin of 31.5%.
Looking at the long-term picture, WAFD's 5-year EPS compound annual growth rate (CAGR) stands at +6.1%, showing solid earnings momentum. The company achieved its highest annual net income of $257M in fiscal 2023.
WaFd, Inc. maintains industry-leading profitability with a gross margin of 95.3%, operating margin of 40.3%, and net margin of 31.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including COLB ($835M net income, 23.9% margin), BANR ($203M net income, 32.4% margin), HOMB ($485M net income, 49.2% margin), WAFD has outperformed on profitability metrics. Compare WAFD vs COLB →
WAFD Earnings vs Peers
Earnings metrics vs comparable public companies
WAFD Historical Earnings Data (1989–2026)
38 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2026 | $256M | +13.2% | $328M | $3.21 | 31.5% | 40.3% |
| 2025 | $226M | +13.0% | $290M | $2.63 | 31.2% | 40.0% |
| 2024 | $200M | -22.3% | $256M | $2.50 | 27.7% | 35.5% |
| 2023 | $257M | +8.9% | $325M | $3.72 | 34.7% | 43.8% |
| 2022 | $236M | +28.7% | $300M | $3.39 | 35.7% | 45.3% |
| 2021 | $184M | +5.9% | $233M | $2.39 | 32.4% | 41.2% |
| 2020 | $173M | -17.5% | $219M | $2.26 | 31.2% | 39.4% |
| 2019 | $210M | +3.1% | $263M | $2.61 | 38.6% | 48.3% |
| 2018 | $204M | +17.5% | $257M | $2.40 | 39.5% | 49.8% |
| 2017 | $174M | +5.8% | $256M | $1.94 | 35.7% | 52.8% |
| 2016 | $164M | +2.3% | $248M | $1.78 | 34.4% | 52.0% |
| 2015 | $160M | +1.9% | $250M | $1.67 | 34.6% | 53.9% |
| 2014 | $157M | +3.9% | $245M | $1.55 | 36.3% | 56.5% |
| 2013 | $152M | +9.6% | $235M | $1.45 | 37.7% | 58.4% |
| 2012 | $138M | +24.3% | $216M | $1.29 | 33.4% | 52.2% |
| 2011 | $111M | -6.3% | $174M | $1.00 | 25.0% | 39.0% |
| 2010 | $119M | +146.3% | $123M | $1.05 | 23.0% | 23.9% |
| 2009 | $48M | -22.7% | $76M | $0.46 | 12.8% | 20.2% |
| 2008 | $62M | -53.8% | $96M | $0.71 | 18.8% | 28.9% |
| 2007 | $135M | -5.6% | $209M | $1.54 | 49.0% | 75.9% |
| 2006 | $143M | -1.9% | $219M | $1.64 | 52.5% | 80.2% |
| 2005 | $146M | +10.6% | $222M | $1.67 | 53.1% | 81.0% |
| 2004 | $132M | -9.1% | $204M | $1.51 | 52.8% | 81.6% |
| 2003 | $145M | -2.3% | $224M | $1.71 | 53.5% | 82.6% |
| 2002 | $148M | +30.6% | $229M | $1.74 | 51.7% | 79.9% |
| 2001 | $114M | +7.5% | $175M | $1.38 | 51.3% | 79.2% |
| 2000 | $106M | -7.5% | $163M | $1.24 | 50.6% | 78.1% |
| 1999 | $114M | +2.2% | $177M | $1.27 | 51.1% | 79.1% |
| 1998 | $112M | +6.4% | $174M | $1.19 | 51.0% | 79.2% |
| 1997 | $105M | +31.5% | $163M | $1.14 | 50.8% | 79.1% |
| 1996 | $80M | +2.0% | $125M | $0.88 | 44.1% | 68.7% |
| 1995 | $78M | -15.6% | $123M | $0.84 | 47.3% | 74.4% |
| 1994 | $93M | +1.8% | $142M | $0.98 | 52.7% | 80.8% |
| 1993 | $91M | +11.4% | $139M | $0.96 | 52.7% | 80.5% |
| 1992 | $82M | +18.2% | $116M | $0.87 | 56.9% | 80.8% |
| 1991 | $69M | +10.2% | $94M | $1.10 | 57.1% | 77.6% |
| 1990 | $63M | +10.0% | $83M | $1.01 | 58.6% | 77.4% |
| 1989 | $57M | - | $77M | $0.75 | 56.5% | 76.2% |
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WAFD — Frequently Asked Questions
Quick answers to the most common questions about buying WAFD stock.
What is WAFD earnings per share (EPS)?
WAFD trailing twelve-month (TTM) diluted EPS is $3.45, reflecting +22.1% year-over-year growth. The 5-year EPS CAGR is +6.1%. Complete EPS history from 1989 to 2026 is available in the table on this page.
What is WaFd, Inc.'s net income?
WaFd, Inc. (WAFD) trailing twelve-month net income is $256M as of 2026. Earnings grew +22.1% year-over-year. WaFd, Inc. has been profitable for 38 consecutive years.
Is WAFD profitable?
Yes, WAFD is profitable with a TTM net income of $256M and a net profit margin of +31.5%. WaFd, Inc. has generated profits for 38 consecutive years.
What is WAFD's earnings growth rate?
WAFD compound annual EPS growth rates (CAGR): 1-Year: +22.1%, 3-Year: -4.8%, 5-Year: +6.1%, 10-Year: +6.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2026.
What are WAFD's profit margins?
WaFd, Inc. net profit margin is +31.5%, operating margin is +40.3%, and gross margin is +95.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.5%.
Is WAFD growing earnings?
Yes, WAFD earnings are accelerating — EPS growth of +22.1% exceeds the 5-year CAGR of +6.1%. TTM net income reached $256M. Earnings momentum is strengthening.
What was WAFD's best earnings year?
WaFd, Inc.'s highest annual net income on record is $257M, achieved in fiscal year 2023. Earnings history on this page spans 1989 to 2026 and includes all annual and quarterly figures.
What were WAFD's earnings last quarter?
WAFD's most recent reported quarter was Q4 2026. Net income was $60M with diluted EPS of $0.76. For a full breakdown of all quarters, see the quarterly earnings table on this page.