WaFd, Inc.

WAFDP · NASDAQ · Financial Services / Banks - Regional

14.30USD-0.05 (-0.35%)

Price History

Full chart

Market Stats

Previous Close14.35

Open14.41

Day Range14.18 – 14.41

52-Week Range15.15 – 16.58

Volume31.91K

Market Cap2.32B

P/E (TTM)5.83

Forward P/E0.00

EPS2.74

Dividend Yield7.66%

Beta0.82

50-Day Avg16.44

200-Day Avg16.52

About

WaFd, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company provides deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It offers single-family residential, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. Additionally, it provides technology and data services; and personalized financial guidance and investment services. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc. in September 2023. WaFd, Inc. was founded in 1917 and is headquartered in Seattle, Washington.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Brent J. Beardall CPA
Employees2.06K
Headquarters425 Pike Street, Seattle, WA, United States, 98101, USA
Websitehttps://www.wafdbank.com

Leadership

Mr. Brent J. Beardall CPAPresident, CEO & Vice Chairman · b. 1971
Ms. Kelli J. Holz CPAExecutive VP & CFO · b. 1969
Ms. Kim E. RobisonExecutive VP & COO · b. 1970
Mr. Ryan M. MauerExecutive VP & Chief Credit Officer · b. 1971
Ms. Cathy E. CooperExecutive VP, Chief Experience Officer & Corporate Secretary · b. 1966
Ms. Blayne A. SandenSenior VP & Principal Accounting Officer · b. 1977
Mr. Brad GoodeChief of Communications, Marketing & Community Relations and Senior VP
Lisa M. KingSenior Vice President of Human Resources
Mr. Keith D. TaylorSenior Vice President of Corporate Real Estate and Treasurer
Mr. Robert C. ZirkSenior VP & Controller

Financials

Income Statement

Currency: USD	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30

Currency: USD	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Total Revenue	-	-	-	258.60M	281.70M	281.90M	277.40M	289.60M	297.30M	353.70M	410.10M	464.10M	471.60M	468.26M	508.40M	543.85M	521.97M	465.87M	419.50M	469.75M	546.13M	634.25M	728.96M	694.43M	783.99M	672.55M	606.79M	538.22M	561.61M	580.28M	593.88M	602.63M	651.06M	734.59M	708.25M	652.60M	733.38M	742.61M	1.43B	1.41B
Growth (%)	-	-	-	-	+8.93%	+0.07%	-1.60%	+4.40%	+2.66%	+18.97%	+15.95%	+13.17%	+1.62%	-0.71%	+8.57%	+6.97%	-4.02%	-10.75%	-9.95%	+11.98%	+16.26%	+16.13%	+14.93%	-4.74%	+12.90%	-14.21%	-9.78%	-11.30%	+4.35%	+3.32%	+2.34%	+1.47%	+8.04%	+12.83%	-3.59%	-7.86%	+12.38%	+1.26%	+92.93%	-1.58%
Cost of Revenue	-	-	-	157.60M	174.60M	160.60M	133.70M	119.40M	121.50M	194.50M	232.60M	258.20M	252.90M	245.20M	299.51M	321.97M	241.94M	196.38M	169.52M	195.13M	273.90M	360.05M	458.16M	511.63M	449.01M	320.80M	238.20M	137.51M	112.68M	105.91M	110.29M	114.89M	129.49M	188.76M	173.51M	87.00M	74.77M	394.22M	728.38M	692.96M
Gross Profit	-	-	-	101.30M	107.30M	121.40M	143.90M	170.20M	176.20M	159.20M	177.50M	205.90M	219.60M	223.80M	209.82M	221.88M	280.58M	269.48M	249.75M	274.49M	272.77M	274.20M	270.81M	182.80M	334.98M	351.75M	368.58M	400.71M	448.94M	474.37M	483.58M	487.74M	521.57M	545.84M	534.74M	565.60M	658.61M	742.61M	704.33M	717.73M
Gross Margin	-	-	-	39.17%	38.09%	43.06%	51.87%	58.77%	59.27%	45.01%	43.28%	44.37%	46.56%	47.79%	41.27%	40.80%	53.75%	57.85%	59.53%	58.43%	49.95%	43.23%	37.15%	26.32%	42.73%	52.30%	60.74%	74.45%	79.94%	81.75%	81.43%	80.93%	80.11%	74.30%	75.50%	86.67%	89.80%	100.00%	49.16%	50.90%
Operating Expense	-	-	-	24.10M	24.20M	27.20M	27.60M	31.10M	33.80M	36.20M	53.00M	42.50M	45.90M	46.70M	46.65M	46.42M	51.39M	45.76M	46.03M	52.19M	54.11M	64.89M	174.97M	107.06M	211.96M	178.09M	152.67M	166.10M	204.01M	224.85M	235.45M	231.52M	264.32M	283.06M	315.56M	332.46M	358.57M	417.54M	448.27M	428.09M
Operating Income	36.30M	48.10M	54.20M	77.20M	83.10M	94.20M	116.30M	139.10M	142.40M	123.00M	124.50M	163.40M	173.70M	177.10M	163.18M	175.46M	229.20M	223.72M	203.71M	222.31M	218.66M	209.31M	95.84M	75.74M	123.03M	173.66M	215.91M	234.62M	244.93M	249.52M	248.13M	256.22M	257.24M	262.77M	219.19M	233.14M	300.04M	325.08M	256.06M	289.64M
Operating Margin	-	-	-	29.85%	29.50%	33.42%	41.93%	48.03%	47.90%	34.78%	30.36%	35.21%	36.83%	37.82%	32.10%	32.26%	43.91%	48.02%	48.56%	47.32%	40.04%	33.00%	13.15%	10.91%	15.69%	25.82%	35.58%	43.59%	43.61%	43.00%	41.78%	42.52%	39.51%	35.77%	30.95%	35.72%	40.91%	43.77%	17.87%	20.54%
EBITDA	36.30M	48.10M	54.20M	80.80M	86.60M	97.80M	120.20M	144.00M	147.60M	128.40M	130.00M	154.30M	153.60M	159.80M	166.59M	184.19M	218.00M	214.74M	194.94M	217.39M	226.37M	213.38M	100.12M	80.89M	128.79M	206.49M	250.41M	250.39M	262.27M	267.41M	267.64M	297.90M	303.98M	293.83M	259.10M	267.05M	364.09M	325.08M	390.16M	299.36M
EBITDA Margin	-	-	-	31.25%	30.74%	34.69%	43.33%	49.72%	49.65%	36.30%	31.70%	33.25%	32.57%	34.13%	32.77%	33.87%	41.76%	46.10%	46.47%	46.28%	41.45%	33.64%	13.73%	11.65%	16.43%	30.70%	41.27%	46.52%	46.70%	46.08%	45.07%	49.43%	46.69%	40.00%	36.58%	40.92%	49.64%	43.77%	27.23%	21.23%
Net Income	36.30M	48.10M	54.20M	57.20M	62.90M	69.30M	81.90M	91.20M	92.80M	78.30M	79.90M	105.10M	111.80M	114.30M	105.68M	113.61M	148.38M	145.00M	131.87M	145.89M	143.10M	135.02M	62.33M	48.17M	118.65M	111.14M	138.18M	151.50M	157.36M	160.32M	164.05M	173.53M	203.85M	210.26M	173.44M	183.62M	236.33M	257.43M	200.04M	226.07M
Net Income Margin	-	-	-	22.12%	22.33%	24.58%	29.52%	31.49%	31.21%	22.14%	19.48%	22.65%	23.71%	24.41%	20.79%	20.89%	28.43%	31.12%	31.43%	31.06%	26.20%	21.29%	8.55%	6.94%	15.13%	16.53%	22.77%	28.15%	28.02%	27.63%	27.62%	28.80%	31.31%	28.62%	24.49%	28.14%	32.22%	34.66%	13.96%	16.03%
Interest Expense	-	-	-	157.30M	174.40M	160.50M	133.50M	116.70M	121.10M	188.30M	228.80M	257.40M	252.20M	244.50M	299.51M	320.12M	234.94M	194.88M	169.75M	195.26M	273.36M	358.50M	397.64M	318.63M	269.10M	227.70M	193.25M	136.16M	128.08M	117.07M	116.54M	116.99M	134.94M	190.41M	151.76M	86.50M	71.77M	352.72M	710.88M	685.21M
Interest Expense % of Total Revenue	-	-	-	60.83%	61.91%	56.94%	48.13%	40.30%	40.73%	53.24%	55.79%	55.46%	53.48%	52.21%	58.91%	58.86%	45.01%	41.83%	40.47%	41.57%	50.05%	56.52%	54.55%	45.88%	34.32%	33.86%	31.85%	25.30%	22.81%	20.18%	19.62%	19.41%	20.73%	25.92%	21.43%	13.25%	9.79%	47.50%	49.62%	48.59%

Balance Sheet

Currency: USD	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30

Currency: USD	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Total Assets	-	-	-	2.44B	2.65B	2.79B	2.79B	3.16B	3.83B	4.58B	5.12B	5.72B	5.64B	6.16B	6.72B	7.03B	7.39B	7.54B	7.17B	8.23B	9.07B	10.29B	11.80B	12.58B	13.49B	13.44B	12.47B	13.08B	14.76B	14.57B	14.89B	15.25B	15.87B	16.47B	18.79B	19.65B	20.77B	22.47B	28.06B	26.70B
Total Liabilities	-	-	-	2.16B	2.33B	2.42B	2.37B	2.67B	3.28B	4.00B	4.54B	5.00B	4.87B	5.41B	5.96B	6.15B	6.43B	6.48B	6.05B	7.05B	7.81B	8.97B	10.46B	10.84B	11.65B	11.53B	10.57B	11.15B	12.78B	12.61B	12.91B	13.25B	13.87B	14.44B	16.78B	17.52B	18.50B	20.05B	25.06B	23.66B
Total Equity	-	-	-	277.30M	320.20M	368.40M	424.10M	486.20M	546.80M	575.90M	577.70M	717.70M	767.20M	750.02M	759.16M	874.01M	960.72M	1.06B	1.12B	1.19B	1.26B	1.32B	1.33B	1.75B	1.84B	1.91B	1.90B	1.94B	1.98B	1.96B	1.98B	2.01B	2.00B	2.03B	2.01B	2.13B	2.27B	2.43B	3.00B	3.04B
Cash	-	-	-	15.80M	14.30M	35.90M	15.20M	16.60M	30.50M	23.20M	19.60M	23.40M	22.20M	25.04M	28.29M	30.33M	975.15M	1.44B	508.36M	637.79M	45.72M	61.38M	82.60M	498.39M	888.62M	816.00M	751.43M	203.56M	781.84M	284.05M	450.37M	313.07M	268.65M	419.16M	1.70B	2.09B	683.97M	980.65M	2.38B	657.31M
Total Debt	-	-	-	736.00M	732.40M	647.50M	472.20M	486.80M	1.02B	1.48B	2.02B	1.90B	1.58B	2.25B	2.36B	1.67B	1.75B	1.75B	1.30B	2.48B	2.37B	4.11B	3.18B	2.88B	2.67B	2.76B	1.88B	1.93B	1.93B	1.83B	2.08B	2.23B	2.33B	2.25B	2.70B	1.72B	2.13B	3.65B	3.32B	1.82B
Net Debt	-	-	-	720.20M	718.10M	611.60M	457.00M	470.20M	985.40M	1.46B	2.00B	1.88B	1.56B	2.23B	2.34B	1.64B	774.85M	312.79M	791.64M	1.85B	2.32B	4.05B	3.09B	2.38B	1.78B	1.95B	1.13B	1.73B	1.15B	1.55B	1.63B	1.91B	2.06B	1.83B	997.02M	-370.81M	1.44B	2.67B	937.21M	1.16B

Cash Flow

Currency: USD	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30

Currency: USD	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Operating Cash Flow	53.30M	44.30M	50.80M	63.60M	49.10M	63.60M	51.00M	77.60M	110.00M	89.00M	91.40M	97.24M	125.18M	137.68M	120.98M	125.77M	143.25M	131.95M	142.81M	162.23M	184.24M	250.88M	261.70M	174.96M	181.42M	173.72M	142.87M	221.72M	179.70M	190.70M	234.05M	166.60M	314.45M	268.46M	213.96M	439.23M	236.95M
Investing Cash Flow	-183.40M	-107.80M	-89.70M	102.10M	2.60M	-559.00M	-692.40M	-508.70M	129.70M	126.90M	-541.30M	-543.46M	-225.88M	582.15M	618.63M	-576.46M	-957.89M	-1.43B	-727.12M	-634.76M	-456.51M	307.28M	-164.03M	1.05B	-391.89M	781.02M	-290.49M	-131.06M	-544.54M	-674.45M	-421.37M	-920.98M	-579.75M	-2.49B	-1.38B	3.29B	-318.41M
Financing Cash Flow	122.40M	62.00M	59.90M	-166.40M	-50.30M	509.30M	634.20M	427.50M	-235.90M	-217.10M	452.70M	449.47M	102.75M	224.99M	-277.56M	-478.16M	944.07M	703.38M	599.97M	493.75M	688.05M	-167.93M	-170.28M	-1.29B	-337.39M	-376.46M	-350.18M	75.66M	227.54M	439.32M	337.83M	2.04B	653.12M	817.86M	1.46B	-2.33B	-1.64B
Capital Expenditure	200.00K	1.30M	2.50M	272.50M	1.60M	2.90M	2.90M	3.90M	4.10M	3.60M	3.50M	2.71M	6.75M	4.40M	4.73M	4.73M	4.08M	1.68M	2.48M	22.33M	5.27M	13.03M	10.54M	32.01M	29.25M	51.79M	46.44M	41.77M	15.46M	27.13M	35.53M	31.94M	29.47M	11.79M	15.06M	24.68M	28.71M
Free Cash Flow	53.10M	43.00M	48.30M	-208.90M	47.50M	60.70M	48.10M	73.70M	105.90M	85.40M	87.90M	94.53M	118.43M	133.28M	116.25M	121.04M	139.16M	130.27M	140.32M	139.90M	178.97M	237.85M	251.16M	142.95M	152.18M	121.92M	96.43M	179.95M	164.24M	163.57M	198.52M	134.66M	284.98M	256.68M	198.89M	414.55M	208.25M
Dividends Paid	16.50M	19.90M	23.50M	26.90M	29.70M	32.70M	35.50M	37.80M	42.70M	46.80M	49.20M	51.31M	54.04M	57.38M	60.00M	64.70M	67.72M	70.71M	72.47M	73.69M	24.21M	22.45M	25.70M	32.43M	37.84M	42.06M	51.11M	49.93M	74.52M	56.00M	63.32M	66.50M	72.25M	76.20M	78.42M	88.89M	99.26M
FCF to OCF	99.62%	97.07%	95.08%	-328.46%	96.74%	95.44%	94.31%	94.97%	96.27%	95.96%	96.17%	97.21%	94.61%	96.81%	96.09%	96.24%	97.15%	98.72%	98.26%	86.23%	97.14%	94.81%	95.97%	81.70%	83.88%	70.18%	67.50%	81.16%	91.40%	85.78%	84.82%	80.83%	90.63%	95.61%	92.96%	94.38%	87.88%
Dividend Paid to FCF	31.07%	46.28%	48.65%	-12.88%	62.53%	53.87%	73.80%	51.29%	40.32%	54.80%	55.97%	54.28%	45.63%	43.05%	51.62%	53.45%	48.66%	54.28%	51.64%	52.67%	13.53%	9.44%	10.23%	22.69%	24.86%	34.50%	53.00%	27.74%	45.37%	34.23%	31.89%	49.38%	25.35%	29.69%	39.43%	21.44%	47.67%

Earnings

Report Date	Oct 16, 2025
EPS Estimate	0.00
EPS Actual	0.72
Surprise	-
Timing	-

Key Statistics & Ratios

Market Cap2.32B

Enterprise Value4.16B

Trailing P/E5.83

Forward P/E0.00

Price / Sales0.00

Price / Book0.00

EPS2.74

Book Value36.81

Revenue (TTM)761.06M

Gross Profit (TTM)761.06M

Profit Margin33.70%

Operating Margin46.13%

Return on Equity8.50%

Return on Assets0.94%

Shares Outstanding0

Shares Float73.10M

Beta0.82

Dividend Yield7.66%

Dividend Rate1.22

Payout Ratio1.69%

Ownership Breakdown

Institutions: 0.00%
Insiders: 0.00%
Retail / Other: 100.00%

Top Institutional Holders

Thompson Investment Management LLC
2.00K0.00%

Dividends

20263×

0.30Sep 30, 20260.30Jun 30, 20260.30Mar 31, 2026

20254×

0.30Dec 31, 20250.30Sep 30, 20250.30Jun 30, 20250.30Mar 31, 2025

20244×

0.30Dec 31, 20240.30Sep 30, 20240.30Jun 28, 20240.30Mar 27, 2024

20234×

0.30Dec 29, 20230.30Sep 28, 20230.30Jun 29, 20230.30Mar 30, 2023

20224×

0.30Dec 29, 20220.30Sep 29, 20220.30Jun 29, 20220.30Mar 30, 2022

20214×

0.30Dec 30, 20210.30Sep 30, 20210.30Jun 30, 20210.22Apr 12, 2021