WAFD Stock Analysis: WaFd | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.280m USD | 12M Return: 4.1% | US9388241096 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.3M
EPS Trend: -62.9%
Qual. Beats: 0
Rev. Trend: 67.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
WaFd, Inc. (NASDAQ: WAFD) is the bank holding company for Washington Federal Bank, a regional U.S. bank headquartered in Seattle, Washington, founded in 1917 and rebranded from Washington Federal, Inc. in September 2023. The company operates a diversified community banking model, offering deposit products such as checking accounts, money market accounts, passbook savings, and certificates of deposit, alongside a broad lending portfolio that includes single-family residential, construction, land acquisition and development, commercial real estate, home equity, and commercial and industrial loans.
Beyond traditional banking, WaFd provides insurance brokerage services, debit and credit cards, real estate holding and marketing, trustee services, technology and data services, and personalized investment and financial guidance. Its customer base spans individual consumers, mid-sized and large businesses, and commercial real estate owners and developers. As a regional bank, WaFd focuses on localized lending and deposit-gathering activities within defined geographic markets, a model that typically emphasizes relationship banking with commercial clients and CRE developers rather than the nationwide retail branch strategies pursued by larger money-center banks.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit risk
- Deposit growth and cost of funds drive NIM expansion
- Loan loss provisions rise on multifamily and office exposure
| Net Income: 256.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.26 > 1.0 |
| NWC/Revenue: -1.47k% < 20% (prev 271.8%; Δ -1.74k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 267.5m > Net Income 256.5m |
| Net Debt (2.64b) to EBITDA (339.9m): 7.76 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (74.0m) vs 12m ago -7.33% < -2% |
| Gross Margin: 54.81% > 18% (prev 49.54%; Δ 5.27% > 0.5%) |
| Asset Turnover: 5.11% > 50% (prev 5.45%; Δ -0.33% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBIT TTM 328.1m / Interest Expense TTM 606.0m) |
| A: -0.74 (Total Current Assets 775.6m - Total Current Liabilities 21.2b) / Total Assets 27.6b |
| B: 0.08 (Retained Earnings 2.23b / Total Assets 27.6b) |
| C: 0.01 (EBIT TTM 328.1m / Avg Total Assets 27.2b) |
| D: 0.12 (Book Value of Equity 3.02b / Total Liabilities 24.6b) |
| Altman-Z'' = -4.39 = D |
| DSRI: 1.05 (Receivables 99.1m/99.2m, Revenue 1.39b/1.46b) |
| GMI: 0.90 (GM 49.54% / 54.81%) |
| AQI: 1.16 (AQ_t 0.96 / AQ_t-1 0.83) |
| SGI: 0.95 (Revenue 1.39b / 1.46b) |
| TATA: -0.00 (NI 256.5m - CFO 267.5m) / TA 27.6b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 30.17 with a total of 1,217,539 shares traded. Over the past week, the price has changed by -2.20%, over one month by -11.99%, over three months by -20.35% and over the past year by +4.14%.
Current recommended Stop Loss: 29.10 (which is 3.5% or 1.4 ATR below the current price).
WaFd has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold WAFD.
- StrongBuy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 34.5 | 14.4% |
P/E Trailing = 9.7161
P/E Forward = 13.5501
P/S = 2.9952
P/B = 0.8346
P/EG = 1.8493
Revenue TTM = 1.39b USD
EBIT TTM = 328.1m USD
EBITDA TTM = 339.9m USD
Long Term Debt = 3.32b USD (from longTermDebt, last quarter)
Short Term Debt = 1.75b USD (from shortTermDebt, last fiscal year)
Debt = 3.32b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.64b USD (calculated: Debt 3.32b - CCE 676.5m)
Enterprise Value = 4.92b USD (2.28b + Debt 3.32b - CCE 676.5m)
Interest Coverage Ratio = 0.54 (Ebit TTM 328.1m / Interest Expense TTM 606.0m)
EV/FCF = 20.70x (Enterprise Value 4.92b / FCF TTM 237.6m)
FCF Yield = 4.83% (FCF TTM 237.6m / Enterprise Value 4.92b)
FCF Margin = 17.12% (FCF TTM 237.6m / Revenue TTM 1.39b)
Net Margin = 18.47% (Net Income TTM 256.5m / Revenue TTM 1.39b)
Gross Margin = 54.81% ((Revenue TTM 1.39b - Cost of Revenue TTM 627.5m) / Revenue TTM)
Gross Margin QoQ = 54.61% (prev 56.16%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4.92b / Total Assets 27.6b)
Interest Expense / Debt = 18.28% (Interest Expense 606.0m / Debt 3.32b)
Taxrate = 21.83% (71.6m / 328.1m)
NOPAT = 256.5m (EBIT 328.1m * (1 - 21.83%))
Current Ratio = 0.04 (Total Current Assets 775.6m / Total Current Liabilities 21.5b)
Debt / Equity = 1.10 (Debt 3.32b / totalStockholderEquity, last quarter 3.02b)
Debt / EBITDA = 7.76 (Net Debt 2.64b / EBITDA 339.9m)
Debt / FCF = 11.11 (Net Debt 2.64b / FCF TTM 237.6m)
Total Stockholder Equity = 3.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 256.5m / Total Assets 27.6b)
RoE = 8.50% (Net Income TTM 256.5m / Total Stockholder Equity 3.02b)
RoCE = 5.18% (EBIT 328.1m / Capital Employed (Equity 3.02b + L.T.Debt 3.32b))
RoIC = 0.88% (NOPAT 256.5m / Invested Capital 29.2b)
WACC = 11.71% (E(2.28b)/V(5.60b) * Re(7.97%) + D(3.32b)/V(5.60b) * Rd(18.28%) * (1-Tc(0.22)))
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -17.85 | Cagr: 2.42%
[DCF] Terminal Value 67.89% ; FCFF base≈207.2m ; Y1≈237.6m ; Y5≈349.6m
[DCF] Fair Price = 8.83 (EV 3.29b - Net Debt 2.64b = Equity 653.8m / Shares 74.0m; r=11.71% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -62.94 | EPS CAGR: -6.80% | SUE: -0.15 | # QB: 0
Revenue Correlation: 67.61 | Revenue CAGR: 8.03% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-12-31): EPS=0.83 | Chg30d=-0.60% | Revisions=+0% | Analysts=4
EPS current Year (2026-09-30): EPS=3.23 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+18.6% | GrowthRev=+9.3%
EPS next Year (2027-09-30): EPS=3.51 | Chg30d=+4.39% | Revisions=+17% | GrowthEPS=+8.8% | GrowthRev=+133.4%
[Analyst] Revisions Ratio: +15% (up=6, down=4)