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    WaFd (WAFD)

    Market Price (9/16/2026): $33.16 | Market Cap: $2.5 BilSector: Financials | Industry: Regional Banks

    WaFd (WAFD)

    Market Price (9/16/2026): $33.16
    Market Cap: $2.5 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, 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 9.7%, FCF Yield is 9.3%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -31%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29%

    Low stock price volatility
    Vol 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 low
    Uninsured 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 drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Weak multi-year price returns
    2Y Excs Rtn is -39%, 3Y Excs Rtn is -32%

    Key risks
    WAFD key risks include [1] heightened credit risk from its concentration in commercial real estate (CRE) loans as borrowers experience financial stress, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, 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 9.7%, FCF Yield is 9.3%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -31%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29%
    3 Low stock price volatility
    Vol 12M is 24%
    4 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%
    5 Uninsured deposits are low
    Uninsured 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%
    6 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    7 Weak multi-year price returns
    2Y Excs Rtn is -39%, 3Y Excs Rtn is -32%
    8 Key risks
    WAFD key risks include [1] heightened credit risk from its concentration in commercial real estate (CRE) loans as borrowers experience financial stress, Show more.

    WAFD in ETFs

    Weight = WAFD's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.08%
    IJR0.15%
    VYM0.01%
    VB0.03%
    KRE0.68%
    VIOV0.29%
    +13 more covered ETFs

    Valuation & Metrics

    FYE: 9/30WAFD [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$782.5 Mil—
    FY 2026 Sales$793.1 Mil—
    FY 2027 Sales$825.9 Mil—
    FY 2026 Sales Growth1.4%—
    FY 2027 Sales Growth4.1%12.8%
    EARNINGS
    LTM Net Income (GAAP) [3]$256.5 Mil—
    FY 2026 Net Income (Non-GAAP)$263.2 Mil—
    FY 2027 Net Income (Non-GAAP)$289.6 Mil—
    FY 2027 Net Income Growth10.0%18.1%
    FY 2026 EPS (Non-GAAP)$3.29—
    FY 2027 EPS (Non-GAAP)$3.52—
    FY 2027 EPS Growth6.9%—
    VALUATION
    FY 2026 P/S3.11.6
    FY 2027 P/S3.0—
    FY 2026 P/E9.37.6
    FY 2027 P/E8.5—

    [1] WAFD forward figures are analyst consensus for the next two fiscal years (fiscal year end 9/30). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    WAFDS&P 500
    REVENUE GROWTHFAIR
    Rev LTM ($ Bil)0.8
    Rev Chg Q10.5%9.1%
    Rev Chg LTM7.8%8.3%
    Rev Chg 3Y Avg1.5%5.8%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.3
    Net Inc LTM ($ Bil)0.3
    CFO/Rev LTM34.2%21.8%
    Net Inc Mgn32.8%13.1%
    VALUATIONLOW
    P/S3.13.1
    P/CFO9.215.0
    P/FCF10.819.4
    P/E9.622.5

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Branches2086302025Link
    Number of Employees220811202024Link
    Net Promoter Score578072023Link
    Percentage of Uninsured Deposits26%11172023Link
    Commercial Loans as Percentage of Originations73%8222025Link
    Mortgage and Consumer Loans as Percentage of Total Net Loans41%8222025Link
    Core Deposits as Percentage of Total Deposits82.1%5082024Link
    Checking Accounts as Percentage of Total Deposits33%5082024Link

    Price Chart

    Upcoming
    10/15/2026Earnings ReleaseRev: $203 Mil (E)
    EPS: $0.84 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/15/2026

    WaFd (WAFD) stock has lost about 5% since 5/31/2026 because of the following key factors:

    1. Mixed Fiscal Q3 2026 Earnings Performance and Outlook.

    WaFd reported its fiscal Q3 2026 earnings on July 17, 2026, with diluted earnings per share (EPS) of $0.81, which slightly missed analysts' consensus estimates of $0.82 by 1.22%. Following this announcement, the stock experienced a 2.54% decline in after-hours trading, falling to $38.32. Although revenue of $205.52 million exceeded forecasts by 2.99%, management expressed concerns about intense deposit competition and indicated that share repurchases would likely be less aggressive.

    2. Deterioration in Asset Quality amid Economic Uncertainty.

    The company observed a rise in non-performing assets, which increased slightly to $136 million, or 0.49% of total assets, in fiscal Q3 2026, up from $132 million (0.48%) in the prior quarter. This increase was primarily driven by non-accrual loans within the Commercial & Industrial (C&I) segment. Furthermore, total criticized loans increased by $139 million, reaching 4.9% of net loans, compared to 4.2% in fiscal Q2 2026. WaFd attributed this broad increase in criticized loans to the prevailing "economic environment where elevated interest rates and economic uncertainty impacted both commercial and consumer borrowers."

    Show more
    Updated on 9/15/2026

    WaFd (WAFD) stock has lost about 5% since 5/31/2026 because of the following key factors:

    1. Mixed Fiscal Q3 2026 Earnings Performance and Outlook.

    WaFd reported its fiscal Q3 2026 earnings on July 17, 2026, with diluted earnings per share (EPS) of $0.81, which slightly missed analysts' consensus estimates of $0.82 by 1.22%. Following this announcement, the stock experienced a 2.54% decline in after-hours trading, falling to $38.32. Although revenue of $205.52 million exceeded forecasts by 2.99%, management expressed concerns about intense deposit competition and indicated that share repurchases would likely be less aggressive.

    2. Deterioration in Asset Quality amid Economic Uncertainty.

    The company observed a rise in non-performing assets, which increased slightly to $136 million, or 0.49% of total assets, in fiscal Q3 2026, up from $132 million (0.48%) in the prior quarter. This increase was primarily driven by non-accrual loans within the Commercial & Industrial (C&I) segment. Furthermore, total criticized loans increased by $139 million, reaching 4.9% of net loans, compared to 4.2% in fiscal Q2 2026. WaFd attributed this broad increase in criticized loans to the prevailing "economic environment where elevated interest rates and economic uncertainty impacted both commercial and consumer borrowers."

    3. Persistent Deposit Competition and Potential Net Interest Margin Pressures.

    Despite WaFd's net interest margin (NIM) holding steady at 2.81% in fiscal Q3 2026, the company's management highlighted that "deposit competition remains intense." This ongoing competition in the banking sector for deposits, despite a strategic shift towards lower-cost transaction accounts, implies sustained pressure on funding costs and could limit the bank's ability to significantly expand its NIM in future quarters. Total deposits also saw a modest decline to $20.93 billion in fiscal Q3 2026 from $21.44 billion at the end of the previous fiscal year, despite management characterizing this as a deliberate strategy to optimize deposit mix.

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    Stock Movement Drivers

    Fundamental Drivers

    The -6.5% change in WAFD stock from 5/31/2026 to 9/15/2026 was primarily driven by a -9.9% change in the company's P/E Multiple.
    (LTM values as of)53120269152026Change
    Stock Price ($)35.3033.01-6.5%
    Change Contribution By: 
    Total Revenues ($ Mil)7637822.6%
    Net Income Margin (%)33.1%32.8%-0.9%
    P/E Multiple10.69.5-9.9%
    Shares Outstanding (Mil)75742.1%
    Cumulative Contribution-6.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/15/2026
    ReturnCorrelation
    WAFD-6.5% 
    Market (SPY)0.1%19.7%
    Sector (XLF)10.2%49.1%

    Fundamental Drivers

    The 7.5% change in WAFD stock from 2/28/2026 to 9/15/2026 was primarily driven by a 5.1% change in the company's Total Revenues ($ Mil).
    (LTM values as of)22820269152026Change
    Stock Price ($)30.6933.017.5%
    Change Contribution By: 
    Total Revenues ($ Mil)7457825.1%
    Net Income Margin (%)32.6%32.8%0.5%
    P/E Multiple9.79.5-2.2%
    Shares Outstanding (Mil)77744.2%
    Cumulative Contribution7.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/15/2026
    ReturnCorrelation
    WAFD7.5% 
    Market (SPY)10.7%30.8%
    Sector (XLF)11.1%48.1%

    Fundamental Drivers

    The 8.4% change in WAFD stock from 8/31/2025 to 9/15/2026 was primarily driven by a 8.1% change in the company's Shares Outstanding (Mil).
    (LTM values as of)83120259152026Change
    Stock Price ($)30.4633.018.4%
    Change Contribution By: 
    Total Revenues ($ Mil)7267827.8%
    Net Income Margin (%)31.2%32.8%5.0%
    P/E Multiple10.79.5-11.4%
    Shares Outstanding (Mil)80748.1%
    Cumulative Contribution8.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/15/2026
    ReturnCorrelation
    WAFD8.4% 
    Market (SPY)18.4%28.1%
    Sector (XLF)6.6%53.3%

    Fundamental Drivers

    The 34.4% change in WAFD stock from 8/31/2023 to 9/15/2026 was primarily driven by a 66.7% change in the company's P/E Multiple.
    (LTM values as of)83120239152026Change
    Stock Price ($)24.5533.0134.4%
    Change Contribution By: 
    Total Revenues ($ Mil)7527824.0%
    Net Income Margin (%)37.3%32.8%-12.1%
    P/E Multiple5.79.566.7%
    Shares Outstanding (Mil)6574-11.8%
    Cumulative Contribution34.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/15/2026
    ReturnCorrelation
    WAFD34.4% 
    Market (SPY)74.1%46.6%
    Sector (XLF)72.8%63.7%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    WAFD Return33%3%2%1%3%7%57%
    Peers Return43%-15%1%26%8%13%89%
    S&P 500 Return27%-19%24%23%16%11%103%

    Monthly Win Rates [3]
    WAFD Win Rate83%42%42%50%50%56% 
    Peers Win Rate62%48%43%55%53%58% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    WAFD Max Drawdown-12%-19%-33%-19%-24%-14% 
    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 9/15/2026 (YTD)

    How Low Can It Go

    EventWAFDS&P 500
    2025 US Tariff Shock
      % Loss-17.7%-18.8%
      % Gain to Breakeven21.6%23.1%
      Time to Breakeven32 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-18.8%-9.5%
      % Gain to Breakeven23.2%10.5%
      Time to Breakeven40 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-29.8%-6.7%
      % Gain to Breakeven42.4%7.1%
      Time to Breakeven435 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-10.1%-24.5%
      % Gain to Breakeven11.3%32.4%
      Time to Breakeven34 days427 days
    2020 COVID-19 Crash
      % Loss-37.6%-33.7%
      % Gain to Breakeven60.3%50.9%
      Time to Breakeven354 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-21.6%-19.2%
      % Gain to Breakeven27.5%23.8%
      Time to Breakeven113 days105 days

    Compare to ZION, WAL, COLB, EWBC, BANR

    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.

    EventWAFDS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-29.8%-6.7%
      % Gain to Breakeven42.4%7.1%
      Time to Breakeven435 days31 days
    2020 COVID-19 Crash
      % Loss-37.6%-33.7%
      % Gain to Breakeven60.3%50.9%
      Time to Breakeven354 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-21.6%-19.2%
      % Gain to Breakeven27.5%23.8%
      Time to Breakeven113 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-27.9%-17.9%
      % Gain to Breakeven38.6%21.8%
      Time to Breakeven168 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-24.2%-15.4%
      % Gain to Breakeven31.9%18.2%
      Time to Breakeven1093 days125 days
    2008-2009 Global Financial Crisis
      % Loss-52.6%-53.4%
      % Gain to Breakeven111.0%114.4%
      Time to Breakeven308 days1085 days

    Compare to ZION, WAL, COLB, EWBC, BANR

    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)

    WaFd, operating as Washington Federal, Inc., is a bank holding company that, through its subsidiary Washington Federal Bank, National Association, provides a comprehensive suite of banking services. The company's primary function is to facilitate financial transactions through lending, accepting deposits, and offering various other related banking and insurance services across several U.S. states.

    The company's main offerings include a diverse array of deposit products such as business and personal checking accounts, savings and money market accounts, and certificates of deposit. On the lending side, WaFd specializes in various loan types, including single-family and multi-family residential, construction, land acquisition and development, commercial real estate, commercial and industrial, home equity, and general business and consumer loans. Beyond core banking, it also provides insurance brokerage services for individual and business policies, mobile and internet banking, and debit and credit card services.

    WaFd serves a broad spectrum of clients, primarily targeting individual consumers, mid-sized and large businesses, and owners and developers of commercial real estate. Geographically, its operations are concentrated in the Western and Southwestern United States, with a significant presence through its branch network in states such as Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, and Texas.

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    • 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

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    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
    Due to the absence of explicit 2025 total bank deposit figures for Idaho and New Mexico in the provided search results, a complete sum for the entire eight-state operating region for deposits cannot be accurately calculated. For other main products and services such as residential loans, commercial and industrial loans, commercial real estate loans, and insurance brokerage services, specific market sizes for the combined operating region (Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, and Texas) are not readily available in the provided search results. While national market sizes are indicated for some categories—for instance, the US insurance brokerage market was valued at USD 260.1 billion in 2024 and projected to reach USD 261.7 billion in 2025, and total commercial real estate mortgage borrowing and lending was estimated at $498 billion in 2024 nationally—these figures are not region-specific to WaFd's operations. Similarly, national figures for outstanding residential mortgage debt and commercial and industrial loans were found, but not broken down by the specific states of interest. Therefore, for lending products (single-family residential, construction, land acquisition and development, consumer lot, multi-family residential, commercial and industrial, commercial real estate, home equity, business and consumer loans) and insurance brokerage services, the addressable market sizes for WaFd's specific operating region cannot be determined from the provided information.

    AI Analysis | Feedback

    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:

    1. 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.
    2. 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.
    3. 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.
    4. 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.

    AI Analysis | Feedback

    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.

    Peer Outperformance in Regional Banks

    WAFD has trailed 85% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that WAFD has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    15%
    of 287 industry peers · 10.2% return
    3Y
    11%
    of 276 industry peers · 38.6% return
    5Y
    15%
    of 264 industry peers · 18.8% return
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is WAFD's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 23.7%74.8%130.8% SPNT 165% · RGA 143% · RNR 137%
    Investment Banking & Brokerage 13 2.4%102.2%120.6% IBKR 493% · SNEX 248% · GS 178%
    Diversified Banks 12 35.3%123.9%115.2% JPM 153% · CM 146% · RY 139%
    Life & Health Insurance 20 10.6%57.0%104.4% JXN 610% · UNM 332% · FG 206%
    Multi-Sector Holdings 4 5.2%49.5%83.1% JONE 362% · BRK-B 86% · VOYA 80%
    Property & Casualty Insurance 42 12.4%71.3%68.5% ASIC 2865900% · HRTG 551% · UVE 322%
    Regional Banks ← 265 27.9%87.2%68.0% ESQ 367% · GCBC 348% · VBNK 326%
    Multi-line Insurance 9 10.3%72.9%62.0% GNW 177% · L 107% · SLF 93%
    Consumer Finance 30 4.0%86.3%29.6% ENVA 436% · EZPW 327% · AGM 167%
    Financial Exchanges & Data 15 -7.4%14.6%28.5% VIRT 184% · CBOE 133% · CME 80%
    Diversified Financial Services 4 -4.7%12.4%23.8% FRHC 166% · EQH 108% · TMS -60%
    Insurance Brokers 16 -13.3%-3.9%22.0% LIFE 293% · ARX 89% · AJG 74%
    Commercial & Residential Mortgage Finance 13 -50.1%25.9%12.6% FNMA 430% · FMCC 389% · ACT 203%
    Asset Management & Custody Banks 84 -12.7%12.0%11.5% WT 312% · SII 274% · VCTR 258%
    Specialized Finance 3 19.5%36.9%0.2% EFC 26% · CACC 0% · HASI -17%
    Mortgage REITs 33 -14.4%4.0%-16.0% NREF 49% · RITM 44% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-7.9%-43.0% V 74% · MA 71% · CPAY 56%
    Diversified Capital Markets 21 -38.3%6.2%-63.5% OPY 204% · LPLA 142% · GOLD 55%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Financials

    WAFDZIONWALCOLBEWBCBANRMedian
    NameWaFd Zions Ba.Western .Columbia.East Wes.Banner  
    Mkt Price33.0167.9979.0330.15128.7372.1370.06
    Mkt Cap2.49.98.58.617.72.58.6
    Rev LTM7823,7383,8672,6393,0686732,853
    Op Inc LTM-------
    FCF LTM2271,680-1,6511,2641,863285775
    FCF 3Y Avg294932-2,2698461,590267570
    CFO LTM2681,801-1,5301,3061,975294800
    CFO 3Y Avg3231,044-2,1718791,630280601

    Growth & Margins

    WAFDZIONWALCOLBEWBCBANRMedian
    NameWaFd Zions Ba.Western .Columbia.East Wes.Banner  
    Rev Chg LTM7.8%15.2%20.4%33.1%14.2%6.8%14.7%
    Rev Chg 3Y Avg1.5%4.6%15.2%18.8%6.3%1.6%5.4%
    Rev Chg Q10.5%35.7%18.4%30.3%12.7%6.1%15.6%
    QoQ Delta Rev Chg LTM2.6%8.7%4.1%6.2%3.0%1.5%3.5%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM34.2%48.2%-39.6%49.5%64.4%43.7%45.9%
    CFO/Rev 3Y Avg44.0%30.2%-66.6%38.8%58.7%44.2%41.4%
    FCF/Rev LTM29.0%44.9%-42.7%47.9%60.7%42.4%43.7%
    FCF/Rev 3Y Avg40.2%26.8%-69.6%37.3%57.4%42.3%38.8%

    Valuation

    WAFDZIONWALCOLBEWBCBANRMedian
    NameWaFd Zions Ba.Western .Columbia.East Wes.Banner  
    Mkt Cap2.49.98.58.617.72.58.6
    P/S3.12.72.23.35.83.63.2
    P/Op Inc-------
    P/EBIT-------
    P/E9.58.58.712.112.211.810.6
    P/CFO9.15.5-5.66.69.08.37.5
    Total Yield13.8%14.5%13.8%12.9%10.4%11.3%13.3%
    Dividend Yield3.3%2.7%2.3%4.6%2.2%2.8%2.8%
    FCF Yield 3Y Avg12.1%10.8%-27.8%14.2%11.8%13.1%11.9%
    D/E1.40.20.90.50.20.20.4
    Net D/E-0.3-1.0-1.00.3-0.2-0.0-0.2

    Returns

    WAFDZIONWALCOLBEWBCBANRMedian
    NameWaFd Zions Ba.Western .Columbia.East Wes.Banner  
    1M Rtn-12.3%-5.8%-4.0%-6.6%-5.8%-2.5%-5.8%
    3M Rtn-10.0%2.6%-2.5%-1.2%-0.8%9.9%-1.0%
    6M Rtn8.2%27.7%17.2%16.8%24.3%24.3%20.7%
    12M Rtn10.2%22.8%-9.4%22.7%22.4%13.8%18.1%
    3Y Rtn38.6%104.1%73.1%71.7%154.3%84.6%78.8%
    1M Excs Rtn-9.8%-3.3%-1.4%-4.1%-3.2%0.0%-3.2%
    3M Excs Rtn-9.5%2.9%-3.3%-1.8%-1.8%9.9%-1.8%
    6M Excs Rtn-5.0%15.6%4.8%4.1%13.0%10.7%7.8%
    12M Excs Rtn-6.2%4.7%-24.0%6.4%5.5%-2.6%1.0%
    3Y Excs Rtn-31.8%45.7%4.3%5.9%90.7%13.0%9.5%

    Comparison Analyses

    null

    FDIC Bank Data

    Bank Assets

    FDIC Data As Of3312017
    ASSETS 
    Cash Balance ($ Bil)0
    Securities ($ Bil)3
    Net Loans ($ Bil)10
    Trading Assets ($ Bil)0
    Bank Premises Assets ($ Bil)0
    Other Real Estate Owned ($ Bil)0
    Goodwill & Intangibles ($ Bil)0
    Other Assets ($ Bil)1
    Total Assets (Sum) ($ Bil)15
    Total Assets (Reported) ($ Bil)15
    Risk Weighted Assets ($ Bil)10
    SECURITIES DETAILS 
    US Govt Securities ($ Bil)3
    Equity Securities Not Held for Trading ($ Bil)0
    Total Debt Securities ($ Bil)3
    Mortgage-Backed Securities ($ Bil)3
    SECURITIES VALUATION 
    Securities Held to Maturity (Book Value) ($ Bil)2
    Securities Available for Sale (Fair Market) ($ Bil)1

    Bank Loans

    FDIC Data As Of3312017
    LOAN DETAILS 
    All Real Estate Loans ($ Bil)9
    Farm Loans ($ Bil)0
    Commercial and Industrial Loans ($ Bil)1
    Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)0
    Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
    Commercial Real Estate Owner-Occupied ($ Bil)0
    Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)1
    Total Net Loans ($ Bil)10

    Financials

    $ Mil | FY: 9/302026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q4
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/4/20265/5/20262/4/202611/18/20258/5/20255/2/20252/4/202511/20/20248/2/20245/3/20241/31/202411/17/2023
    Key Financials Quarterly            
    Total Revenue206198192188186180172189194171168178
    Net Income666664616256476165165850
    EPS0.850.820.790.730.730.650.540.710.750.170.850.72
    Key Financials TTM            
    Total Revenue TTM782763745725726734725722711700714743
    Net Income TTM256252243226227229189200189186236257
    Growth Rates Quarterly            
    Total Revenue Growth10.5%10.1%11.6%-0.5%-4.2%5.2%2.0%6.1%6.1%-7.7%-14.5%-5.2%
    Net Income Growth6.7%16.5%35.8%-0.9%-4.0%254.1%-19.1%21.8%4.5%-75.9%-26.5%-31.6%
    Margins Quarterly            
    Net Income Margin32.2%33.2%33.5%32.3%33.3%31.3%27.6%32.4%33.2%9.3%34.7%28.2%
    Cash & Debt            
    Total Cash4,0644,1593,9833,2723,2513,3514,2513,8174,9213,9443,1632,976
    Total Debt3,3163,1152,4881,8171,9912,8152,9153,3184,0795,4903,8753,650
    Net Debt / (Cash)-749-1,045-1,495-1,455-1,260-536-1,337-499-8421,546712674
    Cash Flows Quarterly            
    FCF from Operations70796057587249976316911083
    Cash Flows TTM            
    FCF from Operations TTM268255248237276281378439425382258214
    Returns to Shareholders Quarterly            
    Dividends202020212122212121161616
    Share Repurchases0875829482130100170
    Return on Invested Capital (ROIC) Quarterly            
    ROIC---------4.1%32.8%29.8%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM---------12.1%33.2%38.2%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Single Segment725722743662566
    Total725722743662566


    Price Behavior

    Price Behavior
    Market Price$33.01 
    Market Cap ($ Bil)2.4 
    First Trading Date03/26/1990 
    Distance from 52W High-15.4% 
       50 Days200 Days
    DMA Price$36.50$33.94
    DMA Trendupindeterminate
    Distance from DMA-9.6%-2.7%
     3M1YR
    Volatility21.8%23.9%
    Downside Capture100.3159.72
    Upside Capture38.0560.87
    Correlation (SPY)26.4%27.7%
    WAFD Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.460.530.240.460.500.91
    Up Beta1.220.670.080.540.740.93
    Down Beta0.76-0.13-0.050.050.140.81
    Up Capture-15%26%40%61%48%80%
    Bmk +ve Days10213268138427
    Stock +ve Days7153164129367
    Down Capture28%114%41%50%59%100%
    Bmk -ve Days11213259113324
    Stock -ve Days13263160119377

    [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
    WAFD9.1%23.9%0.30-
    Sector ETF (XLF)7.0%14.5%0.2453.1%
    Equity (SPY)16.3%12.8%0.9027.8%
    Gold (GLD)17.6%29.3%0.550.1%
    Commodities (DBC)48.6%20.6%1.82-22.4%
    Real Estate (VNQ)5.3%13.5%0.1332.0%
    Bitcoin (BTCUSD)-33.1%43.8%-0.799.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with WAFD
    WAFD3.3%30.0%0.13-
    Sector ETF (XLF)10.3%18.4%0.4264.1%
    Equity (SPY)12.4%17.2%0.5549.5%
    Gold (GLD)18.7%18.8%0.800.4%
    Commodities (DBC)11.7%19.5%0.477.5%
    Real Estate (VNQ)0.8%18.9%-0.0652.3%
    Bitcoin (BTCUSD)10.7%52.5%0.3822.0%

    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
    WAFD5.2%31.1%0.23-
    Sector ETF (XLF)13.1%22.1%0.5471.3%
    Equity (SPY)15.1%18.0%0.7156.0%
    Gold (GLD)12.0%16.4%0.60-3.7%
    Commodities (DBC)8.7%18.1%0.3916.2%
    Real Estate (VNQ)4.6%20.7%0.1853.2%
    Bitcoin (BTCUSD)63.4%66.2%1.0315.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity3.8 Mil
    Short Interest: % Change Since 8152026-4.5%
    Average Daily Volume0.4 Mil
    Days-to-Cover Short Interest9.8 days
    Basic Shares Quantity73.9 Mil
    Short % of Basic Shares5.2%

    Returns Analyses

    Earnings Returns History

    Updated 8/19/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/17/2026-3.4%-3.6%-0.9%
    4/17/2026-0.1%-0.1%-0.5%
    1/16/2026-2.9%-1.8%3.0%
    10/29/20250.4%3.3%10.9%
    7/18/20250.6%0.0%3.3%
    4/15/20250.6%3.8%9.8%
    1/21/2025-2.3%-0.9%-0.1%
    10/18/2024-6.0%-6.7%-0.1%
    ...
    SUMMARY STATS   
    # Positive121515
    # Negative1299
    Median Positive2.3%1.5%4.7%
    Median Negative-1.1%-3.6%-0.8%
    Max Positive4.3%6.9%14.4%
    Max Negative-6.0%-7.1%-9.9%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/17/2026-3.4%-3.6%-0.9%
    4/17/2026-0.1%-0.1%-0.5%
    1/16/2026-2.9%-1.8%3.0%
    10/29/20250.4%3.3%10.9%
    7/18/20250.6%0.0%3.3%
    4/15/20250.6%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%
    4/23/2024-0.7%-5.2%0.5%
    1/18/20242.4%4.3%-0.8%
    10/18/2023-0.0%-3.0%9.0%
    7/17/20232.3%6.9%2.0%
    4/14/20232.5%0.2%-9.9%
    1/13/2023-1.0%-7.1%0.6%
    10/14/20224.3%5.3%2.2%
    7/14/20223.6%6.0%14.4%
    4/14/20221.2%1.1%-2.9%
    1/14/2022-0.3%-5.3%-2.9%
    10/15/2021-0.9%0.9%-0.4%
    7/14/20212.4%1.5%7.4%
    4/15/20212.5%0.3%4.7%
    1/15/20211.3%0.2%6.0%
    10/15/2020-1.3%0.2%7.5%
    SUMMARY STATS   
    # Positive121515
    # Negative1299
    Median Positive2.3%1.5%4.7%
    Median Negative-1.1%-3.6%-0.8%
    Max Positive4.3%6.9%14.4%
    Max Negative-6.0%-7.1%-9.9%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/04/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/04/202610-Q
    09/30/202511/18/202510-K
    06/30/202508/05/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/04/202510-Q
    09/30/202411/20/202410-K
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202301/31/202410-Q
    09/30/202311/17/202310-K
    06/30/202308/04/202310-Q
    03/31/202305/04/202310-Q
    12/31/202202/03/202310-Q
    09/30/202211/18/202210-K
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/04/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/04/202610-Q
    09/30/202511/18/202510-K
    06/30/202508/05/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/04/202510-Q
    09/30/202411/20/202410-K
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202301/31/202410-Q
    09/30/202311/17/202310-K
    06/30/202308/04/202310-Q
    03/31/202305/04/202310-Q
    12/31/202202/03/202310-Q
    09/30/202211/18/202210-K
    06/30/202207/29/202210-Q
    03/31/202205/03/202210-Q
    12/31/202101/31/202210-Q
    09/30/202111/19/202110-K
    06/30/202108/02/202110-Q
    03/31/202105/04/202110-Q
    12/31/202001/29/202110-Q
    09/30/202011/23/202010-K
    06/30/202008/10/202010-Q
    03/31/202005/07/202010-Q
    12/31/201901/31/202010-Q
    09/30/201911/20/201910-K

    Recent Forward Guidance

    Updated 9/15/2026

    Latest: Q3 2026 Earnings Reported 7/17/2026

    Forward GuidanceGuidance Change
    MetricSourceLowMidHigh% Chg% DeltaChangePrior
    2026 Risk-Weighted Assets ReductionReported 0.12    
    2026 Risk-Based Capital ReliefReported 317.00 Mil    


    Prior: Q2 2026 Earnings Reported 4/17/2026

    Forward GuidanceGuidance Change
    MetricSourceLowMidHigh% Chg% DeltaChangePrior
    2026 Share RepurchasesReported 8.00 Mil 27.0% RaisedGuidance: 6.30 Mil for 2026

    Insider Activity

    Updated 4/26/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Cooper, Cathy EEVP & Chief Consumer BankerDirectSell206202633.775,300178,9813,199,876Form
    2Beardall, Brent JPresident & CEODirectBuy1203202516.853,00050,550101,100Form
    3Beardall, Brent JPresident & CEODirectBuy1126202516.553,00049,65049,650Form
    4Singleton, Sean DirectSell918202531.711,00431,837294,205Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Cooper, Cathy EEVP & Chief Consumer BankerDirectSell206202633.775,300178,9813,199,876Form
    2Beardall, Brent JPresident & CEODirectBuy1203202516.853,00050,550101,100Form
    3Beardall, Brent JPresident & CEODirectBuy1126202516.553,00049,65049,650Form
    4Singleton, Sean DirectSell918202531.711,00431,837294,205Form

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