Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.53 | 9.85 | 10.78 | 9.02 | 10.14 | 10.52 | 10.03 | 10.99 | 14.93 | 12.27 | 9.53 | 42.69 | 9.69 | 8.90 | 7.45 | 7.93 | 7.23 | 7.00 | 8.25 | 11.72 | 11.75 |
| — | -6.4% | +7.5% | -17.9% | -32.1% | -14.3% | +5.3% | -74.3% | +54.0% | +37.9% | +27.9% | +438.6% | +34.1% | +27.0% | -9.7% | -32.4% | -38.5% | -41.2% | -36.7% | -14.8% | -6.8% | |
| P/S Ratio | 2.67 | 2.54 | 3.45 | 3.00 | 3.22 | 3.17 | 3.14 | 3.23 | 3.82 | 3.76 | 2.99 | 2.98 | 3.15 | 2.33 | 2.36 | 2.67 | 2.79 | 2.61 | 2.89 | 3.56 | 3.56 |
| — | -19.9% | +10.0% | -7.0% | -15.8% | -15.7% | +4.9% | +8.2% | +21.4% | +61.2% | +26.8% | +11.8% | +12.9% | -10.8% | -18.4% | -25.0% | -21.5% | -31.1% | -28.3% | -15.1% | -2.4% | |
| P/B Ratio | 0.74 | 0.74 | 0.94 | 0.80 | 0.81 | 0.78 | 0.78 | 0.76 | 0.87 | 0.94 | 0.79 | 0.70 | 0.86 | 0.68 | 0.72 | 0.83 | 0.94 | 0.86 | 0.88 | 0.98 | 1.02 |
| — | -5.5% | +21.1% | +4.1% | -6.2% | -17.2% | -1.3% | +9.6% | +0.5% | +38.2% | +8.9% | -16.1% | -8.5% | -20.7% | -18.3% | -15.2% | -7.0% | -20.5% | -13.8% | -1.5% | +7.3% | |
| P/FCF | — | — | 11.21 | 8.73 | 12.32 | 13.04 | 11.02 | 8.70 | 15.26 | 7.93 | 9.98 | 3.09 | 5.19 | 5.25 | 31.00 | 11.74 | 8.59 | 5.22 | 5.76 | 10.05 | 22.66 |
| — | — | +1.7% | +0.3% | -19.3% | +64.6% | +10.5% | +181.6% | +194.0% | +51.1% | -67.8% | -73.7% | -39.6% | +0.6% | +438.1% | +16.9% | -62.1% | -45.7% | -59.2% | +70.8% | +298.5% | |
| EV / EBITDA | 11.66 | 13.02 | 15.16 | 13.04 | 13.07 | 11.59 | 13.25 | 18.71 | 9.63 | 45.74 | 13.75 | 6.05 | 24.45 | 16.29 | 11.51 | 13.89 | 11.16 | 7.76 | 7.87 | 5.57 | 7.09 |
| — | +12.4% | +14.4% | -30.3% | +35.6% | -74.7% | -3.6% | +209.2% | -60.6% | +180.8% | +19.5% | -56.5% | +119.0% | +109.9% | +46.3% | +149.2% | +57.4% | +19.2% | -21.1% | -12.8% | -38.7% | |
| EV / EBIT | 12.12 | 13.02 | 16.24 | 14.37 | 12.82 | 11.40 | 11.01 | 13.54 | 16.73 | 11.69 | 11.82 | 71.80 | 16.91 | 18.30 | 13.65 | 13.77 | 11.34 | 9.15 | 9.45 | 7.63 | 7.99 |
| — | +14.3% | +47.6% | +6.1% | -23.4% | -2.5% | -6.9% | -81.1% | -1.1% | -36.1% | -13.4% | +421.5% | +49.1% | +100.0% | +44.4% | +80.6% | +42.0% | +26.2% | +14.4% | -19.6% | -41.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.3% | 90.8% | 94.7% | 98.0% | 98.2% | 98.8% | 98.9% | 98.5% | 100.0% | 100.0% | 99.2% | 90.6% | 100.0% | 85.1% | 95.1% | 98.1% | 98.7% | 99.2% | 99.1% | 100.3% | 99.7% |
| — | -8.0% | -4.3% | -0.5% | -1.8% | -1.3% | -0.3% | +8.7% | 0.0% | +17.6% | +4.4% | -7.6% | +1.3% | -14.2% | -4.1% | -2.2% | -0.9% | -1.1% | -2.3% | +0.3% | +2.0% | |
| Operating Margin | 40.3% | 35.3% | 41.0% | 42.4% | 43.0% | 41.4% | 42.8% | 40.1% | 35.1% | 42.8% | 42.6% | 12.3% | 42.6% | 33.3% | 43.4% | 45.7% | 51.8% | 49.6% | 47.6% | 41.7% | 41.2% |
| — | -14.8% | -4.2% | +5.7% | +22.4% | -3.3% | +0.6% | +226.6% | -17.6% | +28.7% | -1.9% | -73.1% | -17.8% | -32.9% | -8.9% | +9.5% | +25.6% | +12.7% | +12.4% | +1.8% | +11.6% | |
| Net Margin | 31.5% | 27.4% | 32.2% | 33.2% | 33.5% | 32.3% | 33.3% | 31.3% | 27.6% | 32.4% | 33.2% | 9.3% | 34.7% | 28.2% | 33.7% | 35.7% | 40.4% | 39.1% | 37.3% | 32.7% | 32.8% |
| — | -15.0% | -3.3% | +5.8% | +21.7% | -0.4% | +0.1% | +236.6% | -20.7% | +14.8% | -1.5% | -73.9% | -14.0% | -27.8% | -9.6% | +9.0% | +23.3% | +13.5% | +11.4% | +1.0% | +12.7% |
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.5% | 2.0% | 2.2% | 2.2% | 2.1% | 2.0% | 2.0% | 1.9% | 1.6% | 2.1% | 2.2% | 0.6% | 2.4% | 2.1% | 2.6% | 2.8% | 3.5% | 3.3% | 2.9% | 2.3% | 2.4% |
| — | -0.5% | +7.5% | +17.4% | +34.8% | -2.4% | -6.7% | +214.3% | -34.5% | -1.5% | -15.2% | -78.9% | -30.7% | -36.2% | -9.7% | +23.4% | +47.0% | +35.7% | +38.0% | +11.4% | +23.1% | |
| ROA | 0.9% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.3% | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.2% | 0.3% |
| — | -3.5% | +5.2% | +17.6% | +40.2% | +5.0% | +3.6% | +237.7% | -34.5% | -3.2% | -20.1% | -79.9% | -30.9% | -37.8% | -11.5% | +23.1% | +47.7% | +34.6% | +28.4% | +4.7% | +23.3% | |
| ROIC | 4.7% | 1.0% | 1.0% | 1.1% | 1.2% | 1.2% | 1.1% | 0.9% | 0.7% | 0.9% | 0.8% | 0.2% | 0.9% | 0.7% | 1.0% | 1.1% | 1.6% | 1.7% | 1.5% | 1.2% | 1.2% |
| — | -17.7% | -7.8% | +18.1% | +61.3% | +30.5% | +37.4% | +329.7% | -14.9% | +24.8% | -17.0% | -80.5% | -44.4% | -56.7% | -37.5% | -9.7% | +26.9% | +34.2% | +48.9% | +30.3% | +55.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.85 | 0.85 | 1.10 | 1.04 | 0.82 | 0.60 | 0.66 | 0.93 | 0.96 | 1.11 | 1.38 | 1.88 | 1.58 | 1.50 | 1.57 | 1.60 | 1.32 | 0.93 | 0.77 | 0.78 | 0.80 |
| — | +41.9% | +66.9% | +12.5% | -14.8% | -45.9% | -52.3% | -50.6% | -39.0% | -26.5% | -12.0% | +17.4% | +19.5% | +61.0% | +104.6% | +103.9% | +65.3% | +15.5% | -12.5% | -14.8% | -36.5% | |
| Debt / EBITDA | 7.77 | 33.03 | 36.68 | 33.71 | 30.82 | 23.79 | 29.91 | 53.99 | 27.86 | 160.93 | 57.32 | 22.07 | 78.13 | 54.95 | 39.77 | 45.36 | 29.70 | 19.38 | 17.50 | 19.97 | 24.15 |
| — | +38.8% | +22.7% | -37.6% | +10.6% | -85.2% | -47.8% | +144.7% | -64.3% | +192.9% | +44.1% | -51.4% | +163.1% | +183.5% | +127.2% | +127.1% | +22.9% | -16.2% | -55.3% | -21.8% | -45.4% | |
| Current Ratio | 0.26 | 0.29 | 7.01 | 0.04 | 0.20 | 0.15 | 12.64 | 0.17 | 0.20 | 0.24 | 0.24 | 0.20 | 0.20 | 0.19 | 0.20 | 0.20 | 0.17 | 0.17 | 0.17 | 0.24 | 0.24 |
| — | +93.5% | -44.5% | -78.3% | -3.8% | -37.9% | +5094.8% | -15.3% | +0.2% | +28.9% | +22.3% | -0.9% | +18.3% | +9.6% | +14.6% | -15.5% | -29.0% | -36.9% | -41.7% | -26.5% | -20.6% | |
| Quick Ratio | 0.26 | 0.29 | 7.01 | 0.04 | 0.20 | 0.15 | 12.64 | 0.17 | 0.20 | 0.24 | 0.24 | 0.20 | 0.20 | 0.19 | 0.20 | 0.20 | 0.17 | 0.17 | 0.17 | 0.24 | 0.24 |
| — | +93.5% | -44.5% | -78.3% | -3.8% | -37.9% | +5094.8% | -15.3% | +0.2% | +28.9% | +22.3% | -0.9% | +18.3% | +9.6% | +14.6% | -15.5% | -29.0% | -36.9% | -41.7% | -26.5% | -20.6% | |
| Interest Coverage | 0.54 | 0.50 | 0.56 | 0.57 | 0.54 | 0.50 | 0.49 | 0.41 | 0.32 | 0.40 | 0.39 | 0.13 | 0.53 | 0.50 | 0.77 | 1.05 | 2.01 | 3.82 | 5.25 | 4.00 | 3.88 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying WAFD stock.
WaFd, Inc.'s current P/E is 8.5x. The average P/E over the last 4 quarters is 9.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
WaFd, Inc.'s current operating margin is 40.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking WaFd, Inc.'s business trajectory between earnings reports.