WAFD Stock Analysis: WaFd | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.833m USD | 12M Return: 26.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 22.6M
EPS Trend: -82.3%
Qual. Beats: 0
Rev. Trend: 79.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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, providing lending, depository, insurance, and related banking services across the United States. The company was founded in 1917 and is headquartered in Seattle, Washington, having changed its name from Washington Federal, Inc. in September 2023.
Deposit offerings include business and personal checking accounts, money market accounts, passbook savings, and term certificates of deposit. Its loan portfolio spans single-family residential, construction, land acquisition and development, multi-family residential, commercial real estate, home equity, commercial and industrial, and consumer loans.
Beyond core banking, WaFd provides insurance brokerage, holds and markets real estate properties, issues debit and credit cards, acts as trustee, and offers technology and data services alongside personalized financial guidance and investment services. Its customers include consumers, mid-sized and large businesses, and owners and developers of commercial real estate.
Classified within the GICS Regional Banks sub-industry, WaFd operates under a standard U.S. bank holding company structure, where the parent owns the operating bank and is subject to consolidated regulatory oversight. Regional banks of this profile typically generate revenue through net interest margin on a branch- and relationship-driven funding base, with fee income from insurance and ancillary services complementing traditional lending activity.
- Net interest margin compresses as deposit costs outpace asset yields
- Commercial real estate loan portfolio faces refinancing and credit risks
- Loan growth driven by single-family residential and multifamily segments
| Net Income: 252.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.14 > 1.0 |
| NWC/Revenue: -1.48k% < 20% (prev -1.18k%; Δ -302.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 255.2m > Net Income 252.3m |
| Net Debt (2.44b) to EBITDA (333.2m): 7.34 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (75.6m) vs 12m ago -6.82% < -2% |
| Gross Margin: 54.31% > 18% (prev 48.17%; Δ 6.14% > 0.5%) |
| Asset Turnover: 5.01% > 50% (prev 5.48%; Δ -0.47% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBIT TTM 323.5m / Interest Expense TTM 618.9m) |
| A: -0.74 (Total Current Assets 768.7m - Total Current Liabilities 21.2b) / Total Assets 27.6b |
| B: 0.08 (Retained Earnings 2.19b / Total Assets 27.6b) |
| C: 0.01 (EBIT TTM 323.5m / Avg Total Assets 27.6b) |
| D: 0.12 (Book Value of Equity 2.98b / Total Liabilities 24.6b) |
| Altman-Z'' = -4.40 = D |
| DSRI: 0.48 (Receivables 98.9m/224.5m, Revenue 1.38b/1.51b) |
| GMI: 0.89 (GM 48.17% / 54.31%) |
| AQI: 1.12 (AQ_t 0.96 / AQ_t-1 0.86) |
| SGI: 0.91 (Revenue 1.38b / 1.51b) |
| TATA: -0.00 (NI 252.3m - CFO 255.2m) / TA 27.6b) |
| Beneish M = -3.55 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 37.65 with a total of 393,595 shares traded. Over the past week, the price has changed by -1.05%, over one month by +5.23%, over three months by +19.01% and over the past year by +26.64%.
Current recommended Stop Loss: 35.40 (which is 6% or 2.8 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 | 37.3 | -1.1% |
P/E Trailing = 12.5705
P/E Forward = 13.5501
P/S = 3.7731
P/B = 1.0758
P/EG = 1.8493
Revenue TTM = 1.38b USD
EBIT TTM = 323.5m USD
EBITDA TTM = 333.2m USD
Long Term Debt = 3.11b USD (from longTermDebt, last quarter)
Short Term Debt = 1.75b USD (from shortTermDebt, last fiscal year)
Debt = 3.11b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.44b USD (calculated: Debt 3.11b - CCE 669.8m)
Enterprise Value = 5.28b USD (2.83b + Debt 3.11b - CCE 669.8m)
Interest Coverage Ratio = 0.52 (Ebit TTM 323.5m / Interest Expense TTM 618.9m)
EV/FCF = 24.36x (Enterprise Value 5.28b / FCF TTM 216.7m)
FCF Yield = 4.11% (FCF TTM 216.7m / Enterprise Value 5.28b)
FCF Margin = 15.68% (FCF TTM 216.7m / Revenue TTM 1.38b)
Net Margin = 18.26% (Net Income TTM 252.3m / Revenue TTM 1.38b)
Gross Margin = 54.31% ((Revenue TTM 1.38b - Cost of Revenue TTM 631.4m) / Revenue TTM)
Gross Margin QoQ = 56.16% (prev 54.83%)
Tobins Q-Ratio = 0.19 (Enterprise Value 5.28b / Total Assets 27.6b)
Interest Expense / Debt = 19.87% (Interest Expense 618.9m / Debt 3.11b)
Taxrate = 22.01% (71.2m / 323.5m)
NOPAT = 252.3m (EBIT 323.5m * (1 - 22.01%))
Current Ratio = 0.04 (Total Current Assets 768.7m / Total Current Liabilities 21.2b)
Debt / Equity = 1.04 (Debt 3.11b / totalStockholderEquity, last quarter 2.98b)
Debt / EBITDA = 7.34 (Net Debt 2.44b / EBITDA 333.2m)
Debt / FCF = 11.28 (Net Debt 2.44b / FCF TTM 216.7m)
Total Stockholder Equity = 3.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.91% (Net Income 252.3m / Total Assets 27.6b)
RoE = 8.36% (Net Income TTM 252.3m / Total Stockholder Equity 3.02b)
RoCE = 5.28% (EBIT 323.5m / Capital Employed (Equity 3.02b + L.T.Debt 3.11b))
RoIC = 3.15% (NOPAT 252.3m / Invested Capital 8.02b)
WACC = 11.85% (E(2.83b)/V(5.95b) * Re(7.84%) + D(3.11b)/V(5.95b) * Rd(19.87%) * (1-Tc(0.22)))
Discount Rate = 7.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -15.56 | Cagr: 7.44%
[DCF] Terminal Value 61.24% ; FCFF base≈232.9m ; Y1≈204.3m ; Y5≈165.0m
[DCF] Fair Price = N/A (negative equity: EV 1.69b - Net Debt 2.44b = -757.3m; debt exceeds intrinsic value)
EPS Correlation: -82.27 | EPS CAGR: -11.47% | SUE: 0.70 | # QB: 0
Revenue Correlation: 79.71 | Revenue CAGR: 12.34% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.81 | Chg30d=+0.00% | Revisions=+57% | Analysts=4
EPS current Year (2026-09-30): EPS=3.23 | Chg30d=+0.00% | Revisions=+57% | GrowthEPS=+18.9% | GrowthRev=+8.7%
EPS next Year (2027-09-30): EPS=3.41 | Chg30d=-0.73% | Revisions=+57% | GrowthEPS=+5.3% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +80% (up=12, down=0)