WaFd (WAFD)
Market Price (6/9/2026): $35.79 | Market Cap: $2.7 BilSector: Financials | Industry: Regional Banks
WaFd (WAFD)
Market Price (6/9/2026): $35.79Market Cap: $2.7 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 8.0% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28% Low stock price volatilityVol 12M is 24% Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 17% Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 12% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -0.5%, Dist 3Y High is -0.5% Weak multi-year price returns2Y Excs Rtn is -1.5%, 3Y Excs Rtn is -27% | Key risksWAFD key risks include [1] heightened credit risk from its concentration in commercial real estate (CRE) loans as borrowers experience financial stress, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 8.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28% |
| Low stock price volatilityVol 12M is 24% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 17% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 12% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -0.5%, Dist 3Y High is -0.5% |
| Weak multi-year price returns2Y Excs Rtn is -1.5%, 3Y Excs Rtn is -27% |
| Key risksWAFD key risks include [1] heightened credit risk from its concentration in commercial real estate (CRE) loans as borrowers experience financial stress, Show more. |
Qualitative Assessment
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WaFd (WAFD) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. WaFd reported strong financial performance for its second fiscal quarter of 2026, significantly surpassing analyst expectations. The company's diluted earnings per share (EPS) reached $0.82, marking a 26% increase year-over-year and outperforming the anticipated $0.75 by 10.67%. Additionally, revenue totaled $197.38 million, exceeding the expected $190.51 million. Net income also rose to $65.5 million, an increase of 17% year-over-year.
2. The company demonstrated substantial improvements in credit quality and expansion of its net interest margin (NIM). WaFd's net interest margin increased to 2.81% in Q2 fiscal 2026, up from 2.70% in the preceding quarter, driven by higher asset yields and reduced funding costs. Credit metrics improved significantly, with non-accrual loans decreasing by $67.5 million, or 35%, during the quarter. Delinquencies also saw a reduction, falling to 0.78% of total loans from 1.07%.
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Stock Movement Drivers
Fundamental Drivers
The 15.7% change in WAFD stock from 2/28/2026 to 6/8/2026 was primarily driven by a 9.3% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 6082026 | Change |
|---|---|---|---|
| Stock Price ($) | 30.92 | 35.78 | 15.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 745 | 763 | 2.4% |
| Net Income Margin (%) | 32.6% | 33.1% | 1.4% |
| P/E Multiple | 9.8 | 10.7 | 9.3% |
| Shares Outstanding (Mil) | 77 | 75 | 2.0% |
| Cumulative Contribution | 15.7% |
Market Drivers
2/28/2026 to 6/8/2026| Return | Correlation | |
|---|---|---|
| WAFD | 15.7% | |
| Market (SPY) | 8.1% | 39.7% |
| Sector (XLF) | 1.6% | 53.6% |
Fundamental Drivers
The 14.8% change in WAFD stock from 11/30/2025 to 6/8/2026 was primarily driven by a 6.0% change in the company's Net Income Margin (%).| (LTM values as of) | 11302025 | 6082026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.16 | 35.78 | 14.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 725 | 763 | 5.2% |
| Net Income Margin (%) | 31.2% | 33.1% | 6.0% |
| P/E Multiple | 10.8 | 10.7 | -1.0% |
| Shares Outstanding (Mil) | 78 | 75 | 4.0% |
| Cumulative Contribution | 14.8% |
Market Drivers
11/30/2025 to 6/8/2026| Return | Correlation | |
|---|---|---|
| WAFD | 14.8% | |
| Market (SPY) | 8.8% | 37.2% |
| Sector (XLF) | -1.7% | 57.9% |
Fundamental Drivers
The 30.2% change in WAFD stock from 5/31/2025 to 6/8/2026 was primarily driven by a 10.1% change in the company's P/E Multiple.| (LTM values as of) | 5312025 | 6082026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.49 | 35.78 | 30.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 734 | 763 | 3.9% |
| Net Income Margin (%) | 31.2% | 33.1% | 5.9% |
| P/E Multiple | 9.7 | 10.7 | 10.1% |
| Shares Outstanding (Mil) | 81 | 75 | 7.4% |
| Cumulative Contribution | 30.2% |
Market Drivers
5/31/2025 to 6/8/2026| Return | Correlation | |
|---|---|---|
| WAFD | 30.2% | |
| Market (SPY) | 26.9% | 36.1% |
| Sector (XLF) | 3.6% | 58.7% |
Fundamental Drivers
The 52.6% change in WAFD stock from 5/31/2023 to 6/8/2026 was primarily driven by a 96.6% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6082026 | Change |
|---|---|---|---|
| Stock Price ($) | 23.45 | 35.78 | 52.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 739 | 763 | 3.2% |
| Net Income Margin (%) | 38.2% | 33.1% | -13.4% |
| P/E Multiple | 5.4 | 10.7 | 96.6% |
| Shares Outstanding (Mil) | 66 | 75 | -13.2% |
| Cumulative Contribution | 52.6% |
Market Drivers
5/31/2023 to 6/8/2026| Return | Correlation | |
|---|---|---|
| WAFD | 52.6% | |
| Market (SPY) | 83.8% | 46.7% |
| Sector (XLF) | 71.7% | 64.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WAFD Return | 33% | 3% | 2% | 1% | 3% | 13% | 65% |
| Peers Return | 43% | -15% | 1% | 26% | 8% | 7% | 79% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| WAFD Win Rate | 83% | 42% | 42% | 50% | 50% | 83% | |
| Peers Win Rate | 62% | 48% | 43% | 55% | 53% | 53% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| WAFD Max Drawdown | -12% | -19% | -33% | -19% | -24% | -8% | |
| Peers Max Drawdown | -22% | -34% | -54% | -21% | -29% | -19% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: ZION, WAL, COLB, EWBC, BANR.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/8/2026 (YTD)
How Low Can It Go
| Event | WAFD | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -17.7% | -18.8% |
| % Gain to Breakeven | 21.6% | 23.1% |
| Time to Breakeven | 32 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -18.8% | -9.5% |
| % Gain to Breakeven | 23.2% | 10.5% |
| Time to Breakeven | 40 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -29.8% | -6.7% |
| % Gain to Breakeven | 42.4% | 7.1% |
| Time to Breakeven | 435 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -10.1% | -24.5% |
| % Gain to Breakeven | 11.3% | 32.4% |
| Time to Breakeven | 34 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -37.6% | -33.7% |
| % Gain to Breakeven | 60.3% | 50.9% |
| Time to Breakeven | 354 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -21.6% | -19.2% |
| % Gain to Breakeven | 27.5% | 23.8% |
| Time to Breakeven | 113 days | 105 days |
In The Past
WaFd's stock fell -17.7% during the 2025 US Tariff Shock. Such a loss loss requires a 21.6% gain to breakeven.
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| Event | WAFD | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -29.8% | -6.7% |
| % Gain to Breakeven | 42.4% | 7.1% |
| Time to Breakeven | 435 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -37.6% | -33.7% |
| % Gain to Breakeven | 60.3% | 50.9% |
| Time to Breakeven | 354 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -21.6% | -19.2% |
| % Gain to Breakeven | 27.5% | 23.8% |
| Time to Breakeven | 113 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -27.9% | -17.9% |
| % Gain to Breakeven | 38.6% | 21.8% |
| Time to Breakeven | 168 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -24.2% | -15.4% |
| % Gain to Breakeven | 31.9% | 18.2% |
| Time to Breakeven | 1093 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -52.6% | -53.4% |
| % Gain to Breakeven | 111.0% | 114.4% |
| Time to Breakeven | 308 days | 1085 days |
In The Past
WaFd's stock fell -17.7% during the 2025 US Tariff Shock. Such a loss loss requires a 21.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About WaFd (WAFD)
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Here are 1-3 brief analogies for WaFd (WAFD):
- Think of it as a regional version of Wells Fargo for the Western U.S.
- It's like U.S. Bank or PNC Financial, but primarily serving the Western and Southwestern states.
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- Deposit Accounts: WaFd offers various accounts for individuals and businesses to save and manage money, including checking, savings, money market, and certificates of deposit.
- Loans: The company provides a broad range of lending products for consumers and businesses, encompassing residential, commercial, construction, and home equity loans.
- Insurance Brokerage Services: WaFd offers services for acquiring individual and business insurance policies.
- Digital Banking Services: Customers can access banking conveniently through mobile and internet platforms.
- Payment Cards: The bank provides financial tools such as debit and credit cards for transactions.
- Trustee Services: WaFd acts as a fiduciary to manage assets or trusts on behalf of beneficiaries.
- Real Estate Management: The company engages in holding and marketing real estate properties.
AI Analysis | Feedback
WaFd (WAFD) is a bank that serves a diverse customer base. Based on the provided description, the company primarily serves the following categories of customers:
- Consumers (individuals)
- Mid-sized and large businesses
- Owners and developers of commercial real estate
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Brent Beardall President, Chief Executive Officer, and Vice Chairman
Brent Beardall joined WaFd Bank in 2001 as Vice President & Controller. He was promoted to Chief Financial Officer in 2003, a position he held for eleven years. He became President in 2016 and was appointed CEO on April 1, 2017, becoming only the sixth CEO in the bank's century-long history. In January 2022, he was also appointed Vice Chairman of the Board. Mr. Beardall previously worked as a Manager at Deloitte from 1995. He is a Certified Public Accountant by training and a graduate of the Stanford Executive Program. In 2012, he was recognized as "CFO of the year" by the Puget Sound Business Journal.
Kelli Holz Executive Vice President and Chief Financial Officer
Kelli Holz is a seasoned financial executive with over 35 years of experience in risk management, finance, and accounting. She leads the bank's finance, human resources, and data governance functions, and also provides oversight for WaFd Insurance, a subsidiary of the bank. WaFd, Inc. promoted Kelli Holz to chief financial officer.
Kim Robison Executive Vice President and Chief Operating Officer
Kim Robison joined WaFd Bank in 2008 and brings more than 35 years of industry experience. She is recognized for operationally executing two significant milestones in U.S. banking history in 2024: the largest non-FDIC assisted sale of a CRE portfolio and the fastest bank acquisition close to conversion. She is considered the bank's foremost expert in M&A integration and organizational transformation. Her responsibilities include Information Technology, consumer deposit and treasury operations, consumer and commercial loan operations and servicing, branch physical security, the bank's ATM and cash recycler fleet, and payment operations.
Cathy Cooper Executive Vice President and Chief Experience Officer
Cathy Cooper serves as the Executive Vice President and Chief Experience Officer, previously holding the title of Retail Banking Group Manager. She temporarily assumed the duties of the President and CEO during Brent Beardall's recovery in early 2023.
Ryan Mauer Executive Vice President and Chief Credit Officer
Ryan Mauer holds the position of Executive Vice President and Chief Credit Officer at WaFd Bank.
AI Analysis | Feedback
The key risks to WaFd's business include: * Deteriorating Asset Quality and High Reliance on Commercial Loans: WaFd faces a significant risk from deteriorating asset quality, evidenced by rising net charge-offs and increased provisions for credit losses. This concern is amplified by the company's substantial concentration in commercial loans, which accounted for 57.6% of its total net loans receivable as of December 31, 2025. A rapidly changing economic environment could pressure the creditworthiness of commercial borrowers, potentially impacting the company's financial performance. * Interest Rate Risk: WaFd's profitability is highly sensitive to fluctuations in interest rates. Changes in interest rates can adversely affect its net interest income, the balance between its loan and deposit portfolios, and its overall financial performance. * Elevated Operating Expenses and Operational Risks: The company faces ongoing pressure from rising operating expenses, driven by factors such as higher compensation, technology costs, and expansion initiatives. Additionally, WaFd is exposed to various operational risks, including cybersecurity threats and fraud.AI Analysis | Feedback
The increasing market penetration and sophisticated offerings of digital-first challenger banks and non-bank fintech lenders. These entities, unburdened by legacy branch infrastructure, can offer more competitive rates, lower fees, and superior user experiences through advanced mobile and online platforms, potentially drawing away WaFd's customers for deposits, consumer loans, and even small to mid-sized business lending, as well as mortgage originations.
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WaFd (Washington Federal, Inc.), operating across Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, and Texas, offers a range of banking services including various types of loans, deposit products, and insurance brokerage. Identifying the precise addressable market size for each of these main products and services within its specific multi-state operating region presents a challenge due to the granularity of regional data availability. Based on available information, the addressable market size for deposits in WaFd's operating region can be estimated. As of 2025, the total bank deposits for the states where WaFd operates are as follows:- Washington: $211,145,589,000
- Oregon: $102,969,450,000
- Idaho: Data not explicitly available in provided sources for 2025.
- Arizona: $220,827,316,000
- Utah: $1,069,658,813,000
- Nevada: $121,579,990,000
- New Mexico: Data not explicitly available in provided sources for 2025.
- Texas: $1,498,234,125,000
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WaFd (NASDAQ: WAFD) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives aimed at expanding its commercial focus, diversifying income streams, and enhancing its digital offerings.
Here are 4 expected drivers of WaFd's future revenue growth:
- Strategic Shift to Commercial Banking and Commercial Real Estate (CRE) Lending: WaFd is actively transitioning its business model to focus more on higher-margin commercial banking and commercial real estate lending, moving away from single-family mortgage lending. This strategic pivot is intended to capitalize on more profitable opportunities and manage interest rate volatility. The company aims to expand its commercial loan portfolio, with active loan types in the commercial segment showing growth. WaFd has projected active loan portfolio growth of 6%-10% for fiscal year 2026 and 8%-12% for fiscal year 2027, driven by this focus.
- Expansion of Non-Interest Income through Wealth Management and Insurance: To diversify its revenue streams, WaFd has launched WaFd Wealth Management, with an ambitious target of growing assets under management (AUM) to $1 billion within two years of its launch in August 2025. The bank is also expanding its wealth management and trust services generally to provide more comprehensive financial planning. Furthermore, its insurance subsidiary, WaFd Insurance, has already demonstrated increased revenue, contributing to the growth in non-interest income. The company's non-interest income increased 29% year over year in the first quarter of fiscal 2026, reflecting solid traction in these segments.
- Digital Transformation and Enhanced Digital Banking Services: WaFd is investing in digital transformation, including technologies like AI, automation, and cloud-based infrastructure, to support its long-term growth strategy. The bank is enhancing its digital banking services by introducing new mobile banking features and online loan application portals. Additionally, WaFd is developing a financial planning-based technology platform specifically for the mass affluent market, aiming to further expand its reach and service capabilities.
- Growth in Small Business Administration (SBA) Lending: WaFd has become a preferred SBA lender, indicating a strategic initiative to grow its financial services in the small business sector. Early results from this focus are promising, with a substantial increase in new small business loans originated through its branches and a significant linked-quarter increase in merchant processing referrals. This expansion in SBA lending is expected to be a key component of its broader business banking growth.
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Share Repurchases
- In February 2026, the Board increased the number of shares authorized for repurchase by 4.5 million, bringing the total authorized amount to 10 million shares.
- Over the last seven quarters (up to December 31, 2025), WaFd repurchased 5.8 million shares at a weighted average price of $29.45.
- For the fiscal year ended September 30, 2025, the company repurchased 3,447,771 shares of common stock at a weighted average price of $29.56.
Share Issuance
- In February 2021, Washington Federal, Inc. completed a public offering of 12,000,000 depositary shares, representing preferred stock, at an aggregate offering price of $300,000,000, with net proceeds of approximately $293,560,000.
- The number of outstanding shares decreased from 81.29 million at the end of 2024 to 78.5 million at the end of 2025.
Outbound Investments
- WaFd, Inc. completed the acquisition of Luther Burbank Corporation in February 2024. This acquisition added approximately $7.7 billion in assets and expanded WaFd's presence with ten new branches in California.
- The company made a strategic shift in its business model, exiting the single-family mortgage origination business in 2025 to focus entirely on commercial banking and commercial real estate lending.
Capital Expenditures
- In the first fiscal quarter of 2026 (ended December 31, 2025), WaFd invested $10.4 million in capital expenditures for long-term assets and infrastructure.
- The company is actively investing in technology to enhance customer experience and operational efficiency.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Would You Still Hold WaFd Stock If It Fell 30%? | 10/17/2025 | |
| Why WaFd Stock Moved: WAFD Stock Has Gained 14% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues | 08/08/2025 | |
| WaFd (WAFD) Valuation Ratios Comparison | 08/08/2025 | |
| WAFD Dip Buy Analysis | 07/10/2025 | |
| Time To Buy WaFd Stock? | 02/28/2025 | |
| WaFd (WAFD) Operating Cash Flow Comparison | 02/17/2025 | |
| WaFd (WAFD) Net Income Comparison | 02/16/2025 | |
| Fundamental Metrics: ... | 06/19/2024 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 64.03 |
| Mkt Cap | 8.6 |
| Rev LTM | 2,733 |
| Op Inc LTM | - |
| FCF LTM | 682 |
| FCF 3Y Avg | 558 |
| CFO LTM | 714 |
| CFO 3Y Avg | 588 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.1% |
| Rev Chg 3Y Avg | 4.0% |
| Rev Chg Q | 11.1% |
| QoQ Delta Rev Chg LTM | 2.6% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 41.6% |
| CFO/Rev 3Y Avg | 41.0% |
| FCF/Rev LTM | 38.8% |
| FCF/Rev 3Y Avg | 38.4% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 8.6 |
| P/S | 3.4 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 10.7 |
| P/CFO | 7.4 |
| Total Yield | 11.4% |
| Dividend Yield | 2.6% |
| FCF Yield 3Y Avg | 13.0% |
| D/E | 0.3 |
| Net D/E | -0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 0.7% |
| 3M Rtn | 12.6% |
| 6M Rtn | 10.1% |
| 12M Rtn | 28.9% |
| 3Y Rtn | 87.0% |
| 1M Excs Rtn | 0.4% |
| 3M Excs Rtn | 3.6% |
| 6M Excs Rtn | 2.2% |
| 12M Excs Rtn | 8.4% |
| 3Y Excs Rtn | 36.0% |
Price Behavior
| Market Price | $35.78 | |
| Market Cap ($ Bil) | 2.7 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -0.5% | |
| 50 Days | 200 Days | |
| DMA Price | $34.20 | $31.74 |
| DMA Trend | up | up |
| Distance from DMA | 4.6% | 12.7% |
| 3M | 1YR | |
| Volatility | 23.5% | 24.4% |
| Downside Capture | 45.90 | 66.67 |
| Upside Capture | 89.43 | 77.74 |
| Correlation (SPY) | 36.8% | 36.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.70 | 1.10 | 0.66 | 0.74 | 0.75 | 0.97 |
| Up Beta | 0.88 | 1.42 | 0.84 | 0.93 | 1.21 | 0.95 |
| Down Beta | 1.10 | 0.22 | 0.18 | 0.43 | 0.34 | 0.84 |
| Up Capture | 41% | 92% | 83% | 80% | 70% | 104% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 10 | 23 | 33 | 66 | 129 | 369 |
| Down Capture | 77% | 108% | 55% | 73% | 75% | 103% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 9 | 17 | 29 | 57 | 118 | 377 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WAFD | |
|---|---|---|---|---|
| WAFD | 30.4% | 24.4% | 1.03 | - |
| Sector ETF (XLF) | 4.2% | 14.6% | 0.07 | 58.7% |
| Equity (SPY) | 26.2% | 12.1% | 1.63 | 35.9% |
| Gold (GLD) | 28.6% | 26.9% | 0.91 | 2.5% |
| Commodities (DBC) | 37.4% | 19.0% | 1.54 | -19.4% |
| Real Estate (VNQ) | 11.0% | 13.4% | 0.53 | 39.9% |
| Bitcoin (BTCUSD) | -40.1% | 42.4% | -1.09 | 18.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WAFD | |
|---|---|---|---|---|
| WAFD | 4.7% | 30.3% | 0.18 | - |
| Sector ETF (XLF) | 8.2% | 18.6% | 0.32 | 65.4% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 50.4% |
| Gold (GLD) | 17.4% | 18.1% | 0.78 | 1.7% |
| Commodities (DBC) | 9.3% | 19.4% | 0.37 | 10.3% |
| Real Estate (VNQ) | 2.6% | 18.8% | 0.04 | 52.9% |
| Bitcoin (BTCUSD) | 10.7% | 54.6% | 0.39 | 21.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WAFD | |
|---|---|---|---|---|
| WAFD | 6.7% | 31.1% | 0.28 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 71.9% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 56.8% |
| Gold (GLD) | 13.1% | 16.0% | 0.68 | -4.6% |
| Commodities (DBC) | 7.1% | 18.0% | 0.32 | 17.7% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 53.3% |
| Bitcoin (BTCUSD) | 62.6% | 66.9% | 1.02 | 15.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/17/2026 | -0.1% | -0.1% | -0.5% |
| 1/16/2026 | -2.9% | -1.8% | 3.0% |
| 10/29/2025 | 0.4% | 3.3% | 10.9% |
| 7/18/2025 | 0.6% | 0.0% | 3.3% |
| 4/15/2025 | 0.6% | 3.8% | 9.8% |
| 1/21/2025 | -2.3% | -0.9% | -0.1% |
| 10/18/2024 | -6.0% | -6.7% | -0.1% |
| 7/17/2024 | -1.1% | 1.6% | 0.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 15 | 15 |
| # Negative | 12 | 9 | 9 |
| Median Positive | 2.3% | 1.5% | 4.7% |
| Median Negative | -1.1% | -5.2% | -0.8% |
| Max Positive | 4.3% | 6.9% | 14.4% |
| Max Negative | -6.0% | -7.1% | -9.9% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 02/04/2026 | 10-Q |
| 09/30/2025 | 11/18/2025 | 10-K |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 02/04/2025 | 10-Q |
| 09/30/2024 | 11/20/2024 | 10-K |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 01/31/2024 | 10-Q |
| 09/30/2023 | 11/17/2023 | 10-K |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 02/03/2023 | 10-Q |
| 09/30/2022 | 11/18/2022 | 10-K |
| 06/30/2022 | 07/29/2022 | 10-Q |
Recent Forward Guidance
Updated 6/1/2026Latest: Q2 2026 Earnings Reported 4/17/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Share Repurchases | 8.00 Mil | 27.0% | Higher New | Actual: 6.30 Mil for 2026 | |||
Insider Activity
Updated 4/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cooper, Cathy E | EVP & Chief Consumer Banker | Direct | Sell | 2062026 | 33.77 | 5,300 | 178,981 | 3,199,876 | Form |
| 2 | Beardall, Brent J | President & CEO | Direct | Buy | 12032025 | 16.85 | 3,000 | 50,550 | 101,100 | Form |
| 3 | Beardall, Brent J | President & CEO | Direct | Buy | 11262025 | 16.55 | 3,000 | 49,650 | 49,650 | Form |
| 4 | Singleton, Sean | Direct | Sell | 9182025 | 31.71 | 1,004 | 31,837 | 294,205 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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