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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

WaFd, Inc. (WAFD)

Financial Services Banks - Regional
36.80 $
+0.9% vs. previous close
Closing price · As of: 31. Jul 2026
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Risk & Weakness

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Trading Day

Previous Close
36.40$
Open
36.60$
Day High
36.90$
Day Low
36.30$
Volume
664,260shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
27.80 $ 39.30 $
10/16/2025 07/16/2026

Current price 36.80 $ — 78% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
2.7$B
Shares Outstanding
74Mio.
Float
98.8%
Beta
0.8

Performance

Perf. 1M
6.90%
Perf. 3M
23.50%
Perf. 6M
16.80%
YTD Performance (%)
18.20%
52-Week-High Distance
-1.5%
Perf. 1Y
30.63%
Perf. 3Y
31.38%
Perf. 5Y
33.94%
Perf. 10Y
97.48%
Perf. Since Inception
14,102.39%

Technical Indicators

MA 38 Days
37.30$
MA 50 Days
36.80$
MA 200 Days
33.40$
RSI (14)
46.7
Volatility 30 Days
22.1%
Volatility 250 Days
23.9%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
12.0
Forward P/E
13.6
PEG
1.8
P/B
1.0
P/S
2.0
EV/EBITDA
0.0
Price/FCF
12.5

Profitability

Gross Margin
100.0%
EBIT Margin
45.8%
Net Margin
33.7%
Return on Equity
8.4%
Return on Assets
0.9%

Balance Sheet & Safety

Equity Ratio
10.8%
Debt/Equity
1.0
Altman Z″
-1.15
Piotroski
6 out of 9

Growth

Sales Growth Last Quarter
9.20%
EPS Growth Last Quarter
26.40%
Sales Growth (Year)
-1.58%
Forward Sales Growth
3.35%
Forward EPS Growth
6.10%

Dividend

Dividend Yield
2.94%
Dividend Per Share (TTM)
1.08$
Payout Ratio
34.8%
Years Without a Cut
7Years
Increase Streak
7Years

Quality & Screener

Stage
2
RS Rating
65
EPS Rating
69
Piotroski
6 out of 9
Fundamental Rating
C (50 out of 100)
Altman Z″
-1.15

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Growth Score

5 of 10 Solid growth

Ten checks against the annual reports — each one passed counts a point.

  • Revenue grows by more than 15% a year over three years 24.3% passed
  • More than 10% revenue growth is expected for the coming year 3.4% failed
  • Share count grows by less than 3% a year 7.1% failed
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 13.2% failed
  • Gross margin at 40% or higher and without meaningful erosion 50.9% failed
  • Goodwill from acquisitions does not grow faster than revenue 1.6% passed
  • Net debt below twice EBITDA 1,455 m net cash passed
  • Operating cash flow covers the profits of the last three years 207 m passed
  • Return on capital at 15% or higher, or up versus two years ago 8.2% passed
  • Insiders hold at least 10% or are net buyers 1.7% failed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Analysts & Price Target

Current Price 36.80 $
Price Target (average) 39.00 $

The price target sits 6.0% above the current price.

Consensus
Hold
Analyst Ratings
4
Distribution of Recommendations
Strong Buy 0
Buy 0
Hold 4
Sell 0
Strong Sell 0

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
09/30/2026 3.23 3.19 – 3.25 791 18.6% 4
09/30/2027 3.36 3.30 – 3.45 822 4.3% 4

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Next Reporting Date

15. Oct 2026 · after the close · Q3 2026
Expected Earnings per Share
0.84 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 361.2 $M Q4 2025: Q1 · 354.7 $M Q1 2025: Q2 · 350.0 $M Q2 2025: Q3 · 344.2 $M Q3 2025: Q4 · 342.9 $M Q4 2026: Q1 · 344.8 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.58 -36.10 361 19.30 13.10 49 43
2025: Q1 0.69 206.30 355 7.20 15.90 72 67
2025: Q2 0.78 -2.30 350 -14.40 17.70 58 53
2025: Q3 0.77 2.60 344 -11.70 17.60 57 46
2025: Q4 0.83 43.60 343 -5.10 18.70 61 50
2026: Q1 0.87 25.10 345 -2.80 19.00 79 68
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 594 248 164 1.78 222 1,976 14,888
2017 603 256 174 1.94 180 2,006 15,254
2018 651 257 204 2.40 191 1,997 15,866
2019 735 263 210 2.61 234 2,033 16,475
2020 708 219 173 2.26 167 2,014 18,794
2021 653 233 184 2.53 314 2,126 19,651
2022 733 300 236 3.61 268 2,274 20,772
2023 743 325 257 3.94 214 2,426 22,475
2024 1,433 256 200 2.69 439 3,000 28,060
2025 1,410 290 226 2.82 237 3,040 26,700

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

WaFd, Inc. ist die Bankholdinggesellschaft der Washington Federal Bank, die Kredit-, Einlagen-, Versicherungs- und andere Bankdienstleistungen in den USA anbietet.

Employees2,055
HeadquartersSeattle, WA
Address425 Pike Street, 98101 Seattle, United States
Phone206 624 7930
Websitewafdbank.com
IPO Date26. Mar 1990
ISINUS9388241096
Stock Split11:10 on 02/02/2005

Management

Management
Name Title Birth Year
Brent J. Beardall CPA President, CEO & Vice Chairman 1971
Kelli J. Holz CPA Executive VP & CFO 1969
Kim E. Robison Executive VP & COO 1970
Ryan M. Mauer Executive VP & Chief Credit Officer 1971
Cathy E. Cooper Executive VP, Chief Experience Officer & Corporate Secretary 1966
Blayne A. Sanden Senior VP & Principal Accounting Officer 1977
Brad Goode Chief of Communications, Marketing & Community Relations and Senior VP
Lisa M. King Senior Vice President of Human Resources
Keith D. Taylor Senior Vice President of Corporate Real Estate and Treasurer
Robert C. Zirk Senior VP & Controller

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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