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Company Analysis

WaFd, Inc. WAFD

A comprehensive view of key metrics, scores, and financial health for WaFd, Inc.

Overview of WaFd, Inc.

WAFD NMS
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
WaFd, Inc. (WAFD), is a Mid Cap company, in the Banks - Regional industry, last closed at $37.08, about 0.9% overvalued vs fair value, +27.2% 1Y return, ranked 378/1078 in sector.
Metrics P/E 11.5× Rev Growth 0.4% ROE 7.5% Gross Margin 99.0% Div Yield 4.16%
USD 37.08
0.65%
(Delayed)
• Vol 90d: 23.6%
52-Week Range
Market Cap
$2.79B
Enterprise Value
$5.24B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.wafdbank.com
HQ Seattle, WA
Employees 1,979
Fiscal year Sep 30

Next Events

Earnings Jul 16 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$37
$69
Current: $37.08 -1% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.3B
-2.4%%
Interest Expense
$685.2M
Net Interest Income
$654.2M
-1%%
Total Revenue
$724.9M
0.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.7%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$201.2M
95.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating WaFd, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing WAFD's balance between Growth (16.1%), Profitability (39.3%), and Safety (44.6%). Growth 16% Safety 45% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

15th percentile vs peers
16
Key Signals
EPS Growth YoY 5.6% 31p NII Growth YoY -1.0% 16p Equity Growth YoY 1.5% 17p Asset Growth YoY -4.9% 5p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 15)
  • NII Growth YoY in bottom 20% of peers (-1.0%)
  • Equity Growth YoY in bottom 20% of peers (1.5%)
  • Asset Growth YoY in bottom 20% of peers (-4.9%)

Profitability

38th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for WaFd, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$36.73
- - -
-0.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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