WaFd (WAFD)
Market Price (12/28/2025): $33.065 | Market Cap: $2.6 BilSector: Financials | Industry: Regional Banks
WaFd (WAFD)
Market Price (12/28/2025): $33.065Market Cap: $2.6 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 3.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%, FCF Yield is 8.0% | Trading close to highsDist 52W High is -1.5% | Weak revenue growthRev Chg QQuarterly Revenue Change % is -0.5% |
| 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 -56% | Weak multi-year price returns2Y Excs Rtn is -36%, 3Y Excs Rtn is -72% | 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 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 29% | ||
| Low stock price volatilityVol 12M is 29% | ||
| 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. |
| 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 3.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%, 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 -56% |
| 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 29% |
| Low stock price volatilityVol 12M is 29% |
| 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 -1.5% |
| Weak multi-year price returns2Y Excs Rtn is -36%, 3Y Excs Rtn is -72% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -0.5% |
| 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. |
Why The Stock Moved
Qualitative Assessment
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The search results provide information about WaFd (WAFD) for fiscal year 2025, including Q3 and Q4 results. The fiscal year for WaFd ended September 30, 2025. There are also articles discussing stock predictions and price movements within the requested timeframe (August 31, 2025, to December 28, 2025).
Specifically, one article mentions a 6.93% increase over the past year and an impressive 21.81% gain over the past six months, with the stock hitting a 52-week high at $33.78 USD on December 18, 2025. Another source notes that WaFd (WAFD) has quietly outperformed many regional peers over the past month, with the stock up about 8%, as of December 5, 2025.
The information also includes details about WaFd's financial performance in fiscal 2025, which ended September 30, 2025. Key points from the fiscal year and Q4 2025 results include:
- Net income for fiscal 2025 was $226 million, a 13% increase from fiscal year 2024.
- Diluted earnings per common share for fiscal 2025 were $2.63, a 5.20% increase from fiscal 2024.
- The company is shifting its business strategy from primarily mortgage lending to providing broader business solutions, with a significant increase in loan originations (103% increase over Q3) and an improving deposit mix, specifically checking accounts increasing from 33% to 35% of deposits over the year.
- Net interest margin (NIM) increased to 2.71% in the fourth fiscal quarter of 2025, up from 2.69% in Q3, driven by decreasing cost of deposits and borrowings.
- Despite positive overall fiscal year results, Q4 2025 earnings of $0.72 per share missed the Zacks Consensus Estimate of $0.75 per share, and revenue of $188.3 million missed the Zacks Consensus Estimate of $191.04 million.
Based on this, I can extract key points for the stock movement. The prompt asks to highlight "why the stock moved by 6.1%". While a 6.1% specific movement isn't tied to a single event, the overall positive sentiment and growth mentioned could contribute to such a gain, especially the reported 8% increase in the past month as of early December and 6.93% over the past year.
I will formulate 5 key points based on these findings, excluding insider trading and applying the requested HTML formatting.
<br><br><b>1. WaFd reported strong fiscal year 2025 results, with net income increasing by 13% to $226 million and diluted earnings per common share rising by 5.20% to $2.63.</b><br><br><b>2. The company's strategic shift from mortgage lending to broader business solutions demonstrated positive early results, including a 103% increase in new loan originations over the third quarter.</b><br><br><b>3. WaFd experienced an improving net interest margin, which increased to 2.71% in the fourth fiscal quarter of 2025, driven by a reduction in interest paid on liabilities.</b><br><br><b>4. The stock showed strong market performance in late 2025, with an approximate 8% increase over the month leading up to December 5, 2025, and hitting a 52-week high of $33.78 USD on December 18, 2025, reflecting investor confidence.</b><br><br><b>5. Improvements in deposit mix, specifically an increase in checking accounts from 33% to 35% of deposits over the year, also contributed to a healthier financial position.</b>
Show moreStock Movement Drivers
Fundamental Drivers
The 7.7% change in WAFD stock from 9/27/2025 to 12/27/2025 was primarily driven by a 6.1% change in the company's P/E Multiple.| 9272025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 30.70 | 33.07 | 7.74% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 725.85 | 724.86 | -0.14% |
| Net Income Margin (%) | 31.22% | 31.19% | -0.10% |
| P/E Multiple | 10.82 | 11.48 | 6.11% |
| Shares Outstanding (Mil) | 79.89 | 78.49 | 1.75% |
| Cumulative Contribution | 7.70% |
Market Drivers
9/27/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| WAFD | 7.7% | |
| Market (SPY) | 4.3% | 11.9% |
| Sector (XLF) | 3.3% | 50.7% |
Fundamental Drivers
The 14.8% change in WAFD stock from 6/28/2025 to 12/27/2025 was primarily driven by a 12.7% change in the company's P/E Multiple.| 6282025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 28.81 | 33.07 | 14.78% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 734.08 | 724.86 | -1.26% |
| Net Income Margin (%) | 31.23% | 31.19% | -0.12% |
| P/E Multiple | 10.19 | 11.48 | 12.69% |
| Shares Outstanding (Mil) | 81.06 | 78.49 | 3.17% |
| Cumulative Contribution | 14.66% |
Market Drivers
6/28/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| WAFD | 14.8% | |
| Market (SPY) | 12.6% | 27.0% |
| Sector (XLF) | 7.4% | 55.0% |
Fundamental Drivers
The 5.1% change in WAFD stock from 12/27/2024 to 12/27/2025 was primarily driven by a 12.5% change in the company's Net Income Margin (%).| 12272024 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 31.46 | 33.07 | 5.13% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 721.83 | 724.86 | 0.42% |
| Net Income Margin (%) | 27.71% | 31.19% | 12.54% |
| P/E Multiple | 12.78 | 11.48 | -10.15% |
| Shares Outstanding (Mil) | 81.26 | 78.49 | 3.41% |
| Cumulative Contribution | 5.00% |
Market Drivers
12/27/2024 to 12/27/2025| Return | Correlation | |
|---|---|---|
| WAFD | 5.1% | |
| Market (SPY) | 17.0% | 54.1% |
| Sector (XLF) | 15.3% | 65.1% |
Fundamental Drivers
The 8.4% change in WAFD stock from 12/28/2022 to 12/27/2025 was primarily driven by a 36.1% change in the company's P/E Multiple.| 12282022 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 30.52 | 33.07 | 8.36% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 661.61 | 724.86 | 9.56% |
| Net Income Margin (%) | 35.72% | 31.19% | -12.69% |
| P/E Multiple | 8.44 | 11.48 | 36.11% |
| Shares Outstanding (Mil) | 65.33 | 78.49 | -20.15% |
| Cumulative Contribution | 3.96% |
Market Drivers
12/28/2023 to 12/27/2025| Return | Correlation | |
|---|---|---|
| WAFD | 5.8% | |
| Market (SPY) | 48.0% | 48.1% |
| Sector (XLF) | 51.3% | 66.4% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WAFD Return | -27% | 33% | 3% | 2% | 1% | 6% | 10% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| WAFD Win Rate | 50% | 83% | 42% | 42% | 50% | 50% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| WAFD Max Drawdown | -44% | -1% | -9% | -26% | -19% | -23% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[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] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | WAFD | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -38.1% | -25.4% |
| % Gain to Breakeven | 61.4% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -44.9% | -33.9% |
| % Gain to Breakeven | 81.4% | 51.3% |
| Time to Breakeven | 477 days | 148 days |
| 2018 Correction | ||
| % Loss | -33.3% | -19.8% |
| % Gain to Breakeven | 49.8% | 24.7% |
| Time to Breakeven | 262 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -63.3% | -56.8% |
| % Gain to Breakeven | 172.5% | 131.3% |
| Time to Breakeven | 2,786 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
WaFd's stock fell -38.1% during the 2022 Inflation Shock from a high on 11/10/2022. A -38.1% loss requires a 61.4% gain to breakeven.
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- A regional version of Bank of America.
- Like Wells Fargo, but concentrated in the Western U.S.
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```html- Deposit Accounts: Offering various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Residential Mortgage Loans: Providing financing for the purchase or refinancing of homes.
- Commercial Real Estate Loans: Offering loans for the acquisition, development, and refinancing of commercial properties.
- Commercial and Industrial Loans: Extending credit to businesses for operating capital, equipment purchases, and other business needs.
- Consumer Loans: Providing personal loans, auto loans, and other forms of credit to individuals.
- Business Banking Services: Offering treasury management, merchant services, and other financial solutions tailored for businesses.
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WaFd (WAFD) Major Customers
WaFd Bank, a regional bank holding company, primarily serves a broad base of customers rather than a few specific major corporate clients. Its customer base can be categorized as follows:WaFd sells primarily to both individuals and businesses, with its services tailored to the following customer categories:
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Consumers/Individuals
This category includes general consumers who utilize WaFd's personal banking services such as checking and savings accounts, mortgages, home equity lines of credit, auto loans, and other personal financial products.
-
Small to Medium-sized Businesses (SMBs)
WaFd provides banking and lending services to a wide range of small and medium-sized businesses across various industries. These services typically include business checking and savings accounts, commercial loans (e.g., lines of credit, term loans), treasury management services, and merchant services.
-
Commercial Real Estate (CRE) Investors and Developers
A significant portion of WaFd's lending is focused on commercial real estate. This customer category includes individuals, partnerships, and companies (often small to medium-sized entities) involved in the acquisition, development, construction, and refinancing of income-producing properties such as multi-family residential, office, retail, and industrial spaces.
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- Fiserv (FI)
- Q2 Holdings (QTWO)
- Visa (V)
- Mastercard (MA)
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Brent J. Beardall President & Chief Executive Officer, Vice Chairman
Mr. 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 assumed the role of Chief Executive Officer on April 1, 2017, becoming the sixth CEO in the bank's history. In January 2022, he was appointed Vice Chairman of the Board. Prior to joining WaFd Bank, he worked as a Manager at Deloitte, starting in 1995. Mr. Beardall holds a Master's degree in Professional Accounting from Brigham Young University and is a Certified Public Accountant. He also completed Stanford University's Executive Program.
Kelli Holz Executive Vice President and Chief Financial Officer
Ms. Holz is a seasoned financial executive with over 35 years of experience in risk management, finance, and accounting. In her role, she leads the bank's finance, human resources, and data governance functions, and provides oversight for WaFd Insurance, a bank subsidiary. She plays a significant role in strategic decision-making and governance processes.
Kim Robison Executive Vice President and Chief Operating Officer
Ms. Robison joined WaFd Bank in 2008 and brings over 35 years of experience to the banking industry. In 2024, she led the operational execution of two significant milestones in U.S. banking history: the largest non-FDIC assisted sale of a CRE portfolio and the fastest bank acquisition close to conversion. She is recognized as 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
Ms. Cooper serves as an Executive Vice President and is also identified as the Chief Consumer Banker.
Ryan Mauer Executive Vice President and Chief Credit Officer
Mr. Mauer holds the position of Executive Vice President and Chief Credit Officer at WaFd Bank.
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The key risks to WaFd's business are:- Interest Rate Risk: WaFd faces significant risks from fluctuating interest rates, which directly impact its net interest income and overall profitability. Rapid changes in interest rates can negatively affect the balance of its loan and deposit portfolios, potentially reducing asset yields or increasing borrowing costs for customers. The company's market risk profile is further influenced by changes in Federal Reserve policies and global economic conditions. Some borrowers are already experiencing stress due to a substantial increase in floating interest rates, which affects their cash flow.
- Technological Adaptation and Cybersecurity Threats: The company identifies the need to continuously adapt to technological changes and enhance its digital offerings to meet evolving customer demands. There is a risk that investments in technology may not yield the anticipated benefits, and new features can become outdated quickly due to the rapid pace of innovation. Furthermore, cybersecurity threats and fraud, including those leveraging AI technologies, pose significant risks to WaFd's operations and reputation.
- Credit Risk and Loan Quality: While WaFd has historically maintained a disciplined credit culture and strong loan quality, evidenced by periods of net loan loss recoveries, there are ongoing credit risks. Some borrowers are experiencing financial stress due to higher interest rates, which can pinch their cash flow. Additionally, credit risk associated with commercial real estate (CRE) loans is noted, particularly due to the concentration of principal in these loans. A declining net interest margin also suggests that the loan book is becoming less profitable, indicating potential pressure on future earnings.
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The following clear emerging threats have been identified for WaFd (WAFD):
- Rise of Digital-Only Banks and Fintech Lenders: Digital-first neobanks and specialized fintech companies are increasingly offering compelling alternatives for both deposits and loans. These competitors leverage technology to provide superior digital experiences, often lower fees, and competitive interest rates, attracting customers who traditionally relied on regional banks like WaFd. This ongoing shift threatens WaFd's ability to acquire and retain customers by disrupting traditional banking service delivery models.
- Intensified Competition for Deposits: In a dynamic interest rate environment, competition for deposits has significantly intensified. Digital platforms and the ease of online banking make it simple for customers to compare rates and move their funds to institutions offering higher yields, including online-only banks and money market funds. This trend directly pressures WaFd's ability to maintain a stable and low-cost deposit base, which is fundamental to its profitability and lending capacity.
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WaFd Bank (symbol: WAFD) operates primarily as a community bank offering a range of financial products and services, predominantly within the U.S. across nine states: Washington, Oregon, Idaho, Utah, Nevada, Arizona, Texas, New Mexico, and California.
The addressable markets for its main products and services in the U.S. are as follows:
- Retail Banking Services (Consumer and Commercial Deposit Accounts): The United States retail banking market is valued at approximately $0.87 trillion in 2025. This market is projected to reach $1.08 trillion by 2030, growing at a compound annual growth rate (CAGR) of 4.22% during 2025-2030.
- Small Business Lending: The estimated total lending volume to small businesses in the U.S. for 2025 is approximately $760 billion.
- Commercial Real Estate (CRE) Lending: The total commercial and multifamily mortgage debt outstanding in the U.S. increased to approximately $4.79 trillion in the fourth quarter of 2024.
- Residential Mortgage Lending: Americans owe an estimated $12.94 trillion on mortgages as of the second quarter of 2025 in the U.S.
Information regarding the specific addressable market size for WaFd's insurance products offered through a subsidiary was not readily available.
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Expected Drivers of Future Revenue Growth for WaFd (WAFD)
Over the next two to three years, WaFd (NASDAQ: WAFD) is positioned for revenue growth driven by several strategic initiatives and market dynamics:- Growth in Active Loan Portfolio: WaFd anticipates an 8%-12% growth in its active loan portfolio in fiscal 2026. This expansion in lending activities is a primary driver for increasing net interest income.
- Strategic Shift to Business Banking: The company is undergoing a strategic transition from its historical focus on mortgage lending towards business banking. This pivot has already resulted in a significant increase in new loan originations and is expected to continue to boost revenue as the business banking segment expands.
- Expansion into Wealth Management: WaFd has recently launched WaFd Wealth Management, with an ambitious goal to grow assets under management to $1 billion within the initial two years. This diversification into wealth management services aims to generate new streams of non-interest income.
- Margin Expansion from Future Rate Cuts: The company expects its net interest margin to expand with anticipated future interest rate cuts. This expansion, while potentially occurring with a quarter-long lag for full impact, would improve profitability on its interest-earning assets.
- Increase in Non-Interest-Bearing Deposits: As part of its "Build 2030" strategic plan, WaFd aims to increase non-interest-bearing deposits to 20% of its total deposits. Achieving this goal would reduce the overall cost of funds, thereby enhancing net interest income and supporting revenue growth.
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Share Repurchases
- WaFd repurchased 12.7 million shares at a weighted average price of $31.32 over the last three fiscal years (up to March 31, 2024), representing 17% of shares outstanding on October 1, 2020.
- As of May 2024, the board authorized an additional 10 million shares for repurchase, bringing the total authorized amount to 11.8 million shares.
- In the third quarter of fiscal year 2025, the company repurchased over 1.66 million shares.
Share Issuance
- WaFd's basic shares outstanding increased by 26.56% in Q4 2024 and by 15.71% in Q1 2025, aligning with the timing of the Luther Burbank Corporation acquisition in February 2024.
Outbound Investments
- WaFd acquired Luther Burbank Corporation (LBC) in February 2024, which expanded its presence into the California market.
- This acquisition is anticipated to be approximately 8% accretive to WaFd's earnings in fiscal year 2025.
Capital Expenditures
- Annual capital expenditures ranged from $10 million in 2022 to $40 million in 2024.
- Non-interest expense increased in the fourth quarter of fiscal year 2025, partly due to investments in talent and technology.
- The company has invested over $125 million in community development lending, including affordable housing initiatives.
Latest Trefis Analyses
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Trade Ideas
Select ideas related to WAFD. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.5% | 14.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
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Peer Comparisons for WaFd
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 55.61 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.2% |
| Rev Chg 3Y Avg | 3.0% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
| Market Price | $33.07 | |
| Market Cap ($ Bil) | 2.6 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -1.5% | |
| 50 Days | 200 Days | |
| DMA Price | $31.02 | $29.40 |
| DMA Trend | up | up |
| Distance from DMA | 6.6% | 12.5% |
| 3M | 1YR | |
| Volatility | 23.8% | 28.8% |
| Downside Capture | -5.06 | 80.03 |
| Upside Capture | 31.75 | 72.40 |
| Correlation (SPY) | 11.7% | 54.2% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.09 | 0.27 | 0.30 | 0.76 | 0.85 | 1.06 |
| Up Beta | -0.22 | 0.86 | 1.13 | 1.65 | 0.76 | 0.92 |
| Down Beta | -0.10 | 0.07 | -0.00 | 0.27 | 0.95 | 1.00 |
| Up Capture | 66% | 37% | 20% | 66% | 63% | 115% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 14 | 24 | 33 | 64 | 120 | 364 |
| Down Capture | -51% | 7% | 21% | 66% | 98% | 106% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 6 | 18 | 30 | 60 | 126 | 383 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of WAFD With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| WAFD | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 5.0% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 28.6% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.17 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 65.3% | 54.2% | -2.5% | 17.2% | 58.5% | 12.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of WAFD With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| WAFD | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 8.6% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 30.5% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.31 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 66.2% | 50.0% | 1.0% | 14.0% | 52.0% | 20.6% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 10-Year Data
| Comparison of WAFD With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| WAFD | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 6.3% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 31.0% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.27 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 72.6% | 58.0% | -6.7% | 20.6% | 53.9% | 13.4% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/29/2025 | 0.4% | 3.3% | 10.9% |
| 7/18/2025 | 0.6% | 0.0% | 3.3% |
| 4/15/2025 | 2.3% | 6.4% | 10.6% |
| 1/21/2025 | -1.2% | 0.0% | -0.7% |
| 10/18/2024 | -6.0% | -6.7% | -0.1% |
| 7/17/2024 | -1.1% | 1.6% | 0.8% |
| 4/23/2024 | 1.7% | -1.9% | 3.0% |
| 1/18/2024 | -0.0% | 5.0% | 0.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 16 | 17 |
| # Negative | 9 | 8 | 7 |
| Median Positive | 2.3% | 3.1% | 5.0% |
| Median Negative | -1.2% | -3.2% | -1.5% |
| Max Positive | 6.1% | 13.5% | 15.9% |
| Max Negative | -6.0% | -8.3% | -14.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11182025 | 10-K 9/30/2025 |
| 6302025 | 8052025 | 10-Q 6/30/2025 |
| 3312025 | 5022025 | 10-Q 3/31/2025 |
| 12312024 | 2042025 | 10-Q 12/31/2024 |
| 9302024 | 11202024 | 10-K 9/30/2024 |
| 6302024 | 8022024 | 10-Q 6/30/2024 |
| 3312024 | 5032024 | 10-Q 3/31/2024 |
| 12312023 | 1312024 | 10-Q 12/31/2023 |
| 9302023 | 11172023 | 10-K 9/30/2023 |
| 6302023 | 8042023 | 10-Q 6/30/2023 |
| 3312023 | 5042023 | 10-Q 3/31/2023 |
| 12312022 | 2032023 | 10-Q 12/31/2022 |
| 9302022 | 11182022 | 10-K 9/30/2022 |
| 6302022 | 7292022 | 10-Q 6/30/2022 |
| 3312022 | 5032022 | 10-Q 3/31/2022 |
| 12312021 | 1312022 | 10-Q 12/31/2021 |
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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