Symbols / WAFD Stock $37.07 +1.37% WaFd, Inc.

Financial Services • Banks - Regional • United States • NMS
WAFD (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Brent J. Beardall CPA
Exch · Country NMS · United States
Market Cap 2.74B
Enterprise Value 5.52B
Income 237.67M
Sales 750.81M
FCF (ttm) —
Book/sh 36.30
Cash/sh 9.26
Employees 2,070
Insider 10d —
IPO Nov 09, 1982
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 35.41%
P/E 12.15
Forward P/E 10.80
PEG 1.85
P/S 3.65
P/B 1.02
P/C —
EV/EBITDA —
EV/Sales 7.36
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.05
EPS next Y 3.43
EPS Growth 26.40%
Revenue Growth 9.20%
EPS Gr Q/Q 16.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) 2026-04-16
ROA 0.91%
ROE 8.39%
ROIC —
Gross Margin 0.00%
Oper. Margin 45.80%
Profit Margin 33.60%
Shs Outstand 73.89M
Shs Float 73.00M
Insider Own 1.73%
Instit Own 85.42%
Short Float 6.09%
Short Ratio 6.43
Short Interest 3.22M
52W High 38.59
vs 52W High -3.94%
52W Low 26.31
vs 52W Low 40.90%
Beta 0.84
Impl. Vol. 0.89%
Rel Volume 0.64
Avg Volume 640.45K
Volume 412.30K
Target (mean) $37.00
Tgt Median $37.00
Tgt Low $36.00
Tgt High $38.00
# Analysts 4
Recom None
Prev Close $36.57
Price $37.07
Change 1.37%
About

WaFd, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company provides deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It offers single-family residential, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. Additionally, it provides technology and data services; and personalized financial guidance and investment services. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc. in September 2023. WaFd, Inc. was founded in 1917 and is headquartered in Seattle, Washington.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$37.00
Mean price target
2. Current target
$37.07
Latest analyst target
3. DCF / Fair value
$45.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$37.07
Low
$36.00
High
$38.00
Mean
$37.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-20 main Keefe, Bruyette & Woods Market Perform → Market Perform $38
2026-04-20 main Piper Sandler Neutral → Neutral $36
2026-04-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2026-01-20 main Piper Sandler Neutral → Neutral $31
2026-01-20 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2025-10-20 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2025-07-21 main DA Davidson Neutral → Neutral $33
2025-07-21 main Piper Sandler Neutral → Neutral $31
2025-07-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-07-21 main Stephens & Co. Equal-Weight → Equal-Weight $33
2025-04-16 main Keefe, Bruyette & Woods Market Perform → Market Perform $30
2025-04-14 reit Stephens & Co. Equal-Weight → Equal-Weight $29
2025-02-06 down DA Davidson Buy → Neutral $32
2025-01-21 main Piper Sandler Neutral → Neutral $31
2025-01-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2025-01-17 reit Stephens & Co. Equal-Weight → Equal-Weight $38
2024-10-21 main Piper Sandler Neutral → Neutral $35
2024-10-21 main DA Davidson Buy → Buy $41
2024-10-21 down Keefe, Bruyette & Woods Outperform → Market Perform $40
2024-07-18 main Stephens & Co. Equal-Weight → Equal-Weight $36
News
RSS: Latest WAFD news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-06 COOPER CATHERINE E Officer — 5,300 $33.77 $178,981
2026-01-20 SANDEN BLAYNE Officer — 750 $31.44 $23,580
2026-01-02 GRANT DAVID K Director — 3,310 $32.03 $106,019
2026-01-02 SHUSTER BRADLEY MIZE Director — 3,310 $32.03 $106,019
2026-01-02 TALBOT RANDALL H Director — 3,310 $32.03 $106,019
2026-01-02 YZAGUIRRE MARIO MAX Director — 3,310 $32.03 $106,019
2026-01-02 SINGH SUDHIR STEVEN Director — 3,310 $32.03 $106,019
2026-01-02 BROWER LINDA S Director — 3,310 $32.03 $106,019
2026-01-02 GRAHAM STEPHEN M. Director — 3,310 $32.03 $106,019
2026-01-02 BICE RICHARD SHAWN Director — 3,310 $32.03 $106,019
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Revenue
724.86
+0.42%
721.83
-2.80%
742.61
+12.24%
661.61
Operating Revenue
724.86
+0.42%
721.83
-2.80%
742.61
+12.24%
661.61
Selling General And Administration
242.35
-7.86%
263.02
+21.45%
216.56
+6.44%
203.45
General And Administrative Expense
242.35
-7.86%
263.02
+21.45%
216.56
+6.44%
203.45
Salaries And Wages
222.15
-5.13%
234.15
+19.14%
196.53
+1.35%
193.92
Other Gand A
—
—
—
—
Reconciled Depreciation
9.72
-92.75%
134.10
+483.82%
22.97
-64.14%
64.05
Total Unusual Items
-0.63
-306.25%
0.30
+72.73%
0.18
-72.96%
0.65
Total Unusual Items Excluding Goodwill
-0.63
-306.25%
0.30
+72.73%
0.18
-72.96%
0.65
Special Income Charges
—
—
—
0.00
Other Special Charges
—
—
—
—
Net Income
226.07
+13.01%
200.04
-22.29%
257.43
+8.93%
236.33
Pretax Income
289.64
+13.12%
256.06
-21.23%
325.08
+8.35%
300.04
Net Interest Income
654.24
-1.00%
660.83
-4.26%
690.23
+16.09%
594.59
Interest Expense
685.21
-3.61%
710.88
+101.54%
352.72
+391.46%
71.77
Interest Income
1,339.45
-2.35%
1,371.71
+31.52%
1,042.95
+56.52%
666.36
Gain On Sale Of Security
0.18
-69.47%
0.58
+169.90%
-0.83
-942.42%
0.10
Tax Provision
63.57
+13.49%
56.02
-17.20%
67.65
+6.19%
63.71
Tax Rate For Calcs
0.00
+0.46%
0.00
+5.29%
0.00
-1.89%
0.00
Tax Effect Of Unusual Items
-0.14
-307.19%
0.07
+81.86%
0.04
-73.47%
0.14
Net Income Including Noncontrolling Interests
226.07
+13.01%
200.04
-22.29%
257.43
+8.93%
236.33
Net Income From Continuing Operation Net Minority Interest
226.07
+13.01%
200.04
-22.29%
257.43
+8.93%
236.33
Net Income From Continuing And Discontinued Operation
226.07
+13.01%
200.04
-22.29%
257.43
+8.93%
236.33
Net Income Continuous Operations
226.07
+13.01%
200.04
-22.29%
257.43
+8.93%
236.33
Normalized Income
226.56
+13.39%
199.80
-22.34%
257.29
+9.10%
235.82
Net Income Common Stockholders
211.44
+14.04%
185.42
-23.63%
242.80
+9.52%
221.71
Diluted EPS
2.63
+5.20%
2.50
-32.80%
3.72
+9.73%
3.39
Basic EPS
2.64
+5.60%
2.50
-32.80%
3.72
+9.41%
3.40
Basic Average Shares
80.18
+8.00%
74.24
+13.88%
65.19
-0.15%
65.29
Diluted Average Shares
80.26
+8.03%
74.29
+13.85%
65.26
-0.23%
65.40
Diluted NI Availto Com Stockholders
211.44
+14.04%
185.42
-23.63%
242.80
+9.52%
221.71
Insurance And Claims
20.20
-30.03%
28.87
+44.17%
20.02
+110.10%
9.53
Occupancy And Equipment
44.94
+6.90%
42.04
+1.10%
41.58
-2.16%
42.50
Other Non Interest Expense
140.18
-2.12%
143.22
+21.48%
117.90
+4.68%
112.63
Preferred Stock Dividends
14.62
+0.00%
14.62
+0.00%
14.62
+0.00%
14.62
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Assets
26,699.70
-4.85%
28,060.33
+24.85%
22,474.67
+8.20%
20,772.13
Cash And Cash Equivalents
657.31
-72.39%
2,381.10
+142.81%
980.65
+43.38%
683.97
Other Short Term Investments
2,615.14
+82.11%
1,436.05
-28.02%
1,995.10
-2.73%
2,051.04
Receivables
211.37
-4.82%
222.07
+132.58%
95.48
+49.49%
63.87
Accounts Receivable
98.59
-4.12%
102.83
+18.19%
87.00
+36.21%
63.87
Other Receivables
112.78
-5.42%
119.25
+1306.39%
8.48
—
Net PPE
261.27
+5.39%
247.90
+4.59%
237.01
-2.49%
243.06
Gross PPE
444.44
+5.22%
422.38
+7.67%
392.28
+0.83%
389.04
Accumulated Depreciation
-183.17
-4.98%
-174.48
-12.38%
-155.27
-6.37%
-145.97
Land And Improvements
89.45
+1.58%
88.06
-2.94%
90.73
-2.38%
92.94
Buildings And Improvements
210.02
+3.17%
203.57
+6.74%
190.71
+2.77%
185.57
Machinery Furniture Equipment
111.50
+12.59%
99.03
+6.76%
92.77
+0.65%
92.16
Leases
33.47
+5.50%
31.73
+75.48%
18.08
-1.52%
18.36
Goodwill And Other Intangible Assets
442.09
-1.41%
448.43
+44.36%
310.62
+0.52%
309.01
Goodwill
414.72
+0.82%
411.36
+34.98%
304.75
+0.43%
303.46
Other Intangible Assets
27.37
-26.15%
37.06
+531.54%
5.87
+5.71%
5.55
Investments And Advances
4,179.00
+38.85%
3,009.68
+24.43%
2,418.68
-3.80%
2,514.34
Total Liabilities Net Minority Interest
23,660.12
-5.59%
25,060.03
+25.00%
20,048.25
+8.38%
18,497.87
Payables And Accrued Expenses
—
—
0.00
-100.00%
3.31
Payables
—
—
0.00
-100.00%
3.31
Current Accrued Expenses
—
—
275.37
-5.03%
289.94
Total Tax Payable
—
—
0.00
-100.00%
3.31
Income Tax Payable
—
—
0.00
-100.00%
3.31
Current Debt And Capital Lease Obligation
1,747.04
—
—
—
Current Debt
1,747.04
—
—
—
Other Current Borrowings
1,747.04
—
—
—
Long Term Debt And Capital Lease Obligation
70.21
-97.88%
3,318.31
-9.09%
3,650.00
+71.76%
2,125.00
Long Term Debt
70.21
-97.88%
3,318.31
-9.09%
3,650.00
+71.76%
2,125.00
Stockholders Equity
3,039.57
+1.31%
3,000.30
+23.65%
2,426.43
+6.69%
2,274.26
Common Stock Equity
2,739.57
+1.45%
2,700.30
+26.99%
2,126.43
+7.71%
1,974.26
Capital Stock
454.41
+0.09%
454.01
+4.02%
436.47
+0.04%
436.27
Common Stock
154.41
+0.26%
154.01
+12.85%
136.47
+0.14%
136.27
Preferred Stock
300.00
+0.00%
300.00
+0.00%
300.00
+0.00%
300.00
Share Issued
154.41
+0.26%
154.01
+12.85%
136.47
+0.14%
136.27
Ordinary Shares Number
78.19
-3.74%
81.22
+25.46%
64.74
-0.91%
65.33
Treasury Shares Number
76.22
+4.72%
72.79
+1.47%
71.73
+1.11%
70.94
Additional Paid In Capital
2,163.28
+0.59%
2,150.68
+27.44%
1,687.63
+0.04%
1,686.97
Retained Earnings
2,105.70
+6.41%
1,978.90
+5.95%
1,867.75
+10.60%
1,688.74
Gains Losses Not Affecting Retained Earnings
56.95
+1.97%
55.85
+19.03%
46.92
-10.59%
52.48
Treasury Stock
1,740.76
+6.20%
1,639.13
+1.66%
1,612.35
+1.39%
1,590.21
Other Equity Adjustments
56.95
+1.97%
55.85
+19.03%
46.92
-10.59%
52.48
Total Equity Gross Minority Interest
3,039.57
+1.31%
3,000.30
+23.65%
2,426.43
+6.69%
2,274.26
Total Capitalization
3,109.78
-50.78%
6,318.61
+3.99%
6,076.43
+38.12%
4,399.26
Invested Capital
4,556.82
-24.29%
6,018.61
+4.19%
5,776.43
+40.91%
4,099.26
Total Debt
1,817.25
-45.24%
3,318.31
-9.09%
3,650.00
+71.76%
2,125.00
Net Debt
1,159.94
+23.77%
937.21
-64.89%
2,669.35
+85.24%
1,441.04
Net Tangible Assets
2,597.48
+1.79%
2,551.88
+20.61%
2,115.81
+7.66%
1,965.25
Tangible Book Value
2,297.48
+2.03%
2,251.88
+24.02%
1,815.81
+9.04%
1,665.25
Available For Sale Securities
918.06
-19.23%
1,136.66
—
—
Cash Cash Equivalents And Federal Funds Sold
657.31
-72.39%
2,381.10
+142.81%
980.65
+43.38%
683.97
Held To Maturity Securities
645.80
+47.79%
436.97
+3.16%
423.59
-8.57%
463.30
Preferred Shares Number
0.30
+0.00%
0.30
+0.00%
0.30
+0.00%
0.30
Preferred Stock Equity
300.00
+0.00%
300.00
+0.00%
300.00
+0.00%
300.00
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Operating Cash Flow
236.95
-46.05%
439.23
+105.29%
213.96
-20.30%
268.46
Cash Flow From Continuing Operating Activities
236.95
-46.05%
439.23
+105.29%
213.96
-20.30%
268.46
Net Income From Continuing Operations
226.07
+13.01%
200.04
-22.29%
257.43
+8.93%
236.33
Depreciation Amortization Depletion
9.72
-92.75%
134.10
+483.82%
22.97
-64.14%
64.05
Depreciation
9.72
-92.75%
134.10
+483.82%
22.97
-64.14%
64.05
Depreciation And Amortization
9.72
-92.75%
134.10
+483.82%
22.97
-64.14%
64.05
Other Non Cash Items
—
—
-0.82
+40.72%
-1.39
Stock Based Compensation
8.52
-7.21%
9.18
+16.01%
7.91
+16.25%
6.81
Asset Impairment Charge
0.99
0.00
-100.00%
0.01
0.00
Operating Gains Losses
-0.44
+84.85%
-2.90
-144.27%
-1.19
-313.31%
0.56
Gain Loss On Investment Securities
-0.02
+94.15%
-0.34
-936.36%
-0.03
+66.67%
-0.10
Gain Loss On Sale Of PPE
-0.42
+83.60%
-2.56
-121.60%
-1.15
-276.03%
0.66
Change In Working Capital
-15.66
-119.26%
81.31
+171.41%
-113.85
-178.41%
-40.89
Change In Receivables
10.36
-63.80%
28.62
+196.11%
-29.78
-218.21%
-9.36
Changes In Account Receivables
4.24
-57.07%
9.87
+142.68%
-23.13
-74.76%
-13.24
Change In Payables And Accrued Expense
9.39
+110.63%
-88.39
-721.98%
-10.75
-114.50%
74.16
Change In Accrued Expense
9.39
+110.63%
-88.39
-1086.88%
-7.45
-111.32%
65.77
Change In Payable
0.00
0.00
+100.00%
-3.31
-139.42%
8.39
Change In Other Working Capital
-7.53
-8.55%
-6.93
-16.01%
-5.98
-7.70%
-5.55
Change In Other Current Assets
-27.89
-118.84%
148.00
+319.78%
-67.34
+32.76%
-100.15
Investing Cash Flow
-318.41
-109.69%
3,287.22
+338.56%
-1,377.92
+44.73%
-2,493.16
Cash Flow From Continuing Investing Activities
-318.41
-109.69%
3,287.22
+338.56%
-1,377.92
+44.73%
-2,493.16
Net PPE Purchase And Sale
-27.02
-15.76%
-23.34
-67.04%
-13.97
-18.93%
-11.75
Purchase Of PPE
-28.71
-16.31%
-24.68
-63.85%
-15.06
-27.76%
-11.79
Sale Of PPE
1.69
+25.95%
1.34
+23.03%
1.09
+2558.54%
0.04
Capital Expenditure
-28.71
-16.31%
-24.68
-63.85%
-15.06
-27.76%
-11.79
Net Investment Purchase And Sale
-1,131.13
-23611.25%
4.81
-93.30%
71.76
+141.53%
-172.80
Purchase Of Investment
-1,746.76
-190.91%
-600.45
-54.36%
-388.98
+50.34%
-783.30
Sale Of Investment
615.63
+1.71%
605.26
+31.37%
460.74
-24.53%
610.50
Net Business Purchase And Sale
-0.36
-100.06%
623.58
+24176.56%
-2.59
0.00
Purchase Of Business
—
—
—
—
Net Other Investing Changes
10.41
-85.89%
73.84
+424.61%
-22.75
-233.53%
17.03
Financing Cash Flow
-1,642.33
+29.39%
-2,326.00
-259.24%
1,460.64
+78.59%
817.86
Cash Flow From Continuing Financing Activities
-1,642.33
+29.39%
-2,326.00
-259.24%
1,460.64
+78.59%
817.86
Net Issuance Payments Of Debt
-1,508.10
+20.65%
-1,900.49
-224.62%
1,525.00
+276.54%
405.00
Issuance Of Debt
11,019.79
-35.32%
17,037.03
-0.80%
17,175.00
+133.83%
7,345.00
Repayment Of Debt
-12,527.89
+33.85%
-18,937.53
-21.01%
-15,650.00
-125.50%
-6,940.00
Long Term Debt Issuance
11,019.79
-35.32%
17,037.03
-0.80%
17,175.00
+133.83%
7,345.00
Long Term Debt Payments
-12,527.89
+33.85%
-18,937.53
-21.01%
-15,650.00
-125.50%
-6,940.00
Net Long Term Debt Issuance
-1,508.10
+20.65%
-1,900.49
-224.62%
1,525.00
+276.54%
405.00
Net Common Stock Issuance
-101.93
-276.56%
-27.07
+11.14%
-30.46
-834.45%
-3.26
Common Stock Payments
-101.93
-276.56%
-27.07
+11.14%
-30.46
-834.45%
-3.26
Common Stock Dividend Paid
-84.64
-13.97%
-74.27
-16.42%
-63.79
-3.60%
-61.58
Cash Dividends Paid
-99.26
-11.67%
-88.89
-13.36%
-78.42
-2.91%
-76.20
Repurchase Of Capital Stock
-101.93
-276.56%
-27.07
+11.14%
-30.46
-834.45%
-3.26
Proceeds From Stock Option Exercised
4.79
-22.56%
6.18
+388.07%
1.27
-30.55%
1.82
Net Other Financing Charges
-1.49
-116.91%
8.78
+251.34%
2.50
-17.66%
3.04
Changes In Cash
-1,723.79
-223.09%
1,400.45
+372.04%
296.68
+121.09%
-1,406.84
Beginning Cash Position
2,381.10
+142.81%
980.65
+43.38%
683.97
-67.29%
2,090.81
End Cash Position
657.31
-72.39%
2,381.10
+142.81%
980.65
+43.38%
683.97
Free Cash Flow
208.25
-49.77%
414.55
+108.43%
198.89
-22.51%
256.68
Interest Paid Supplemental Data
746.93
+1.06%
739.08
+102.83%
364.39
+459.09%
65.17
Income Tax Paid Supplemental Data
41.65
+105.33%
20.28
-66.88%
61.24
+74.50%
35.10
Change In Income Tax Payable
0.00
0.00
+100.00%
-3.31
-139.42%
8.39
Change In Tax Payable
0.00
0.00
+100.00%
-3.31
-139.42%
8.39
Issuance Of Capital Stock
—
—
0.00
0.00
Net Investment Properties Purchase And Sale
—
—
—
—
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
-14.62
+0.00%
-14.62
+0.00%
-14.62
+0.00%
-14.62
Preferred Stock Issuance
—
—
0.00
0.00
Sale Of Investment Properties
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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