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WaFd, Inc. logo

WaFd, Inc.

WAFD

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$36.38

$0.00 · 0.00%

Aug 21, 4:00 PM ET

Pre-market

$36.7182

+$0.3382 · +0.93%

Aug 24, 4:36 AM ET

WAFD company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

87

Deep Value

Momentum

56

Neutral

Sentiment

47

Mixed

Risk resilience

80

Low Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

WaFd, Inc. delivers a comprehensive suite of banking and financial services, encompassing lending, deposit accounts, and insurance, primarily catering to individual consumers. Beyond retail banking, the company also serves the financial needs of mid-sized to large businesses, as well as owners and developers within the commercial real estate sector. Established on November 15, 1994, WaFd, Inc. maintains its headquarters in Seattle, Washington.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Brent J. Beardall
Listed since
Nov 9, 1982
Employees
1,979

Market position

Day range

Current $36.38

52-week range

Current $36.38

Open
$36.615
Previous close
$36.38
Volume
414.92K
0.69× average
Average volume
601.06K
Average daily volume
Market cap
2.69B USD
Beta
0.83
Market reference 1
50-day average
$37.4084
-2.75% below average
200-day average
$34.0379
+6.88% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.59B USD
P/E (TTM)
11.13×
P/B (TTM)
0.89×
P/S (TTM)
1.94×
EV / EBITDA
11.99×
Earnings yield
9.31%
Free cash flow yield
8.57%
Dividend yield
2.97%

Profitability & efficiency

Gross margin
54.86%
Operating margin
23.63%
Net margin
18.47%
Return on equity
7.44%
Return on assets
0.85%
Return on invested capital
4.30%

Financial health

Debt / equity
1.1×
Current ratio
0.15×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends97%67%37%6%Gross margin, FY2021: 86.67%Gross margin, FY2022: 89.80%Gross margin, FY2023: 64.01%Gross margin, FY2024: 49.16%Gross margin, FY2025: 50.90%Operating margin, FY2021: 35.72%Operating margin, FY2022: 40.91%Operating margin, FY2023: 29.68%Operating margin, FY2024: 17.87%Operating margin, FY2025: 20.54%Net margin, FY2021: 28.14%Net margin, FY2022: 32.22%Net margin, FY2023: 23.50%Net margin, FY2024: 13.96%Net margin, FY2025: 16.03%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 86.67%. Gross margin FY2022 89.80%. Gross margin FY2023 64.01%. Gross margin FY2024 49.16%. Gross margin FY2025 50.90%. Operating margin FY2021 35.72%. Operating margin FY2022 40.91%. Operating margin FY2023 29.68%. Operating margin FY2024 17.87%. Operating margin FY2025 20.54%. Net margin FY2021 28.14%. Net margin FY2022 32.22%. Net margin FY2023 23.50%. Net margin FY2024 13.96%. Net margin FY2025 16.03%.

Income trends

Revenue

1.41B USD-1.58%

Operating income

289.64M USD+13.12%

Net income

226.07M USD+13.01%
Income trends across reported periods1.56B USD1.06B USD558.34M USD58.71M USDRevenue, FY2021: 652.6M USDRevenue, FY2022: 733.38M USDRevenue, FY2023: 1.1B USDRevenue, FY2024: 1.43B USDRevenue, FY2025: 1.41B USDOperating income, FY2021: 233.14M USDOperating income, FY2022: 300.04M USDOperating income, FY2023: 325.08M USDOperating income, FY2024: 256.06M USDOperating income, FY2025: 289.64M USDNet income, FY2021: 183.62M USDNet income, FY2022: 236.33M USDNet income, FY2023: 257.43M USDNet income, FY2024: 200.04M USDNet income, FY2025: 226.07M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 652.6M USD. Revenue FY2022 733.38M USD. Revenue FY2023 1.1B USD. Revenue FY2024 1.43B USD. Revenue FY2025 1.41B USD. Operating income FY2021 233.14M USD. Operating income FY2022 300.04M USD. Operating income FY2023 325.08M USD. Operating income FY2024 256.06M USD. Operating income FY2025 289.64M USD. Net income FY2021 183.62M USD. Net income FY2022 236.33M USD. Net income FY2023 257.43M USD. Net income FY2024 200.04M USD. Net income FY2025 226.07M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.41B USD1.43B USD1.1B USD733.38M USD652.6M USD
Cost of goods sold692.96M USD728.38M USD394.22M USD74.77M USD87M USD
Gross profit717.73M USD704.33M USD701.11M USD658.61M USD565.6M USD
Selling, general, and administrative327.18M USD263.02M USD216.56M USD203.45M USD190.47M USD
Operating expenses427.46M USD448.27M USD376.04M USD358.58M USD332.46M USD
Interest income1.34B USD1.37B USD1.04B USD666.36M USD591.61M USD
Interest expense685.21M USD710.88M USD352.72M USD71.77M USD86.5M USD
Depreciation and amortization9.72M USD134.1M USD22.97M USD64.05M USD33.91M USD
Operating income289.64M USD256.06M USD325.08M USD300.04M USD233.14M USD
Net income226.07M USD200.04M USD257.43M USD236.33M USD183.62M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
+0.45%
11 comparable reports
Latest EPS result
0.81
Estimate 0.82 · Miss by 0.61%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.870.760.650.54Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 16, 2025: actual 0.62, estimate 0.65, surprise -4.62%, Miss. Q2 2025, reported Apr 11, 2025: actual 0.65, estimate 0.58, surprise +12.07%, Beat. Q3 2025, reported Jul 17, 2025: actual 0.73, estimate 0.67, surprise +8.96%, Beat. Q4 2025, reported Oct 16, 2025: actual 0.72, estimate 0.765, surprise -5.88%, Miss. Q1 2026, reported Jan 15, 2026: actual 0.75, estimate 0.76, surprise -1.32%, Miss. Q2 2026, reported Apr 16, 2026: actual 0.83, estimate 0.75, surprise +10.67%, Beat. Q3 2026, reported Jul 16, 2026: actual 0.81, estimate 0.815, surprise -0.61%, Miss. Q4 2026, reported Oct 15, 2026: actual —, estimate 0.83, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates213.74M196.94M180.14M163.34MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 16, 2025: actual 171.56M USD, estimate 174.04M USD, surprise -1.42%, Miss. Q2 2025, reported Apr 11, 2025: actual 179.53M USD, estimate 173.58M USD, surprise +3.43%, Beat. Q3 2025, reported Jul 17, 2025: actual 186.26M USD, estimate 184.19M USD, surprise +1.12%, Beat. Q4 2025, reported Oct 16, 2025: actual 187.62M USD, estimate 190.57M USD, surprise -1.55%, Miss. Q1 2026, reported Jan 15, 2026: actual 191.37M USD, estimate 192.83M USD, surprise -0.76%, Miss. Q2 2026, reported Apr 16, 2026: actual 197.38M USD, estimate 190.25M USD, surprise +3.75%, Beat. Q3 2026, reported Jul 16, 2026: actual 205.52M USD, estimate 199.56M USD, surprise +2.99%, Beat. Q4 2026, reported Oct 15, 2026: actual —, estimate 203.49M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$38.00

4.45% upside
Past 12 months12-month forecastHigh $40.00Average $38.00Low $36.00

Rating distribution

11 ratings
Strong buy00%
Buy00%
Hold1091%
Sell19%
Strong sell00%

Recent analyst actions

4 institutions

WAFD news

seekingalpha.com

Dividend Champion, Contender, And Challenger Highlights: Week August 16

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

Read source
businesswire.com

WaFd, Inc. Announces Cash Dividend of 27 cents per share

SEATTLE--(BUSINESS WIRE)---- $WAFD #banking--Today, the Board of Directors of WaFd, Inc. (Nasdaq: WAFD) (the “Company”) announced a regular cash dividend of 27 cents per share. The dividend will be paid September 4,…

Read source
businesswire.com

WaFd Bank Donates $100,000 to American Red Cross to Support Spokane and Eastern Washington Wildfire Relief

SEATTLE--(BUSINESS WIRE)---- $WAFD #easternwashington--WaFd, Inc. (Nasdaq: WAFD) (the “Company”), the parent company of WaFd Bank, announced today a $100,000 donation to the American Red Cross of the Greater Inland…

Read source
seekingalpha.com

WaFd, Inc. (WAFD) Q3 2026 Earnings Call Transcript

WaFd, Inc. (WAFD) Q3 2026 Earnings Call Transcript

Read source
marketbeat.com

WaFd Q3 Earnings Call Highlights

WaFd NASDAQ: WAFD reported higher fiscal third-quarter earnings as loan growth resumed across its active portfolios, expenses remained stable and credit costs increased amid continued pressure from elevated interest…

Read source
zacks.com

WAFD Q3 Earnings Lag on Higher Provisions & Expenses, Revenues Up Y/Y

WaFd's fiscal Q3 earnings miss estimates by a penny as provisions and expenses rise, despite higher net interest income, margins and non-interest income.

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.08

2025 complete year+17.4% since 2021

2026 partial: $0.81

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 21, 2026

$0.27

Quarterly

Record Aug 21, 2026 · Payment Sep 4, 2026

Dividend

Ex-dividend May 22, 2026

$0.27

Quarterly

Record May 22, 2026 · Payment Jun 5, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.27

Quarterly

Record Feb 13, 2026 · Payment Feb 27, 2026

Dividend

Ex-dividend Nov 21, 2025

$0.27

Quarterly

Record Nov 21, 2025 · Payment Dec 5, 2025

Dividend

Ex-dividend Aug 22, 2025

$0.27

Quarterly

Record Aug 22, 2025 · Payment Sep 5, 2025

Dividend

Ex-dividend May 23, 2025

$0.27

Quarterly

Record May 23, 2025 · Payment Jun 6, 2025

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ETFs holding WAFD

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
169.7M
Weight
0.15%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
86.53M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
77.53M
Weight
0.25%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
66.99M
Weight
0.08%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
62.47M
Weight
0.03%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
39.67M
Weight
0.06%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
31.2M
Weight
0.03%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
28.94M
Weight
0.71%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%

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