WAFD - NASDAQ

WaFd, Inc.

WAFD·NASDAQ

$34.56

-1.3%

Financial ServicesBanks - Regional

WaFd, Inc. engages in the provision of lending, depository, insurance, and other banking services to consumers. It also offers banking services to mid-sized to large businesses, and owners and developers of commercial real estate. The company was founded on November 15, 1994 and is headquartered in Seattle, WA.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$2.55B

EPS2.6400

P/E Ratio13.09

Earnings Date07/09/2026

1.41B

Revenue

-2%

3Y+92.0%

5Y+99.0%

10Y+137.0%

226.07M

Net Income

13%

3Y-4.0%

5Y+30.0%

10Y+38.0%

236.95M

Operating Cash Flow

-46%

3Y-12.0%

5Y+42.0%

10Y+7.0%

WaFd, Inc. Profit Bridge

WAFD · NASDAQ

Revenue & Cost of Sales

Revenue1.41B

Cost of Goods Sold (692.96M)

Gross Profit717.73M

Operating Expenses

Operating Expenses (427.46M)

Operating Income289.64M

Other Income & Taxes

Interest Expense (685.21M)

Other Income/Expense0.00

Pretax Income289.64M

Income Tax (63.57M)

Net Income226.07M

Net Income

226.07M

Profitability Analysis

Gross Margin

50.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

20.5%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

16.0%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

21.9%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

WaFd, Inc. Income Statement

WAFD • NASDAQ

WaFd, Inc. Income Statement	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
REVENUE
Revenue	1.4B	1.4B	1.1B	733.4M	652.6M	708.3M	734.6M	651.1M	602.6M	593.9M	580.3M	561.6M	538.2M	606.8M	672.5M	784M	694.4M	729M	634.3M	546.1M
GROSS PROFIT
Cost of Revenue	(693M)	(728.4M)	(394.2M)	(74.8M)	(87M)	(173.5M)	(188.8M)	(129.5M)	(114.9M)	(110.3M)	(105.9M)	(112.7M)	(137.5M)	(238.2M)	(320.8M)	(449M)	(511.6M)	(458.2M)	(360.1M)	(273.9M)
Gross Profit	717.7M	704.3M	701.1M	658.6M	565.6M	534.7M	545.8M	521.6M	487.7M	483.6M	474.4M	448.9M	400.7M	368.6M	351.7M	335M	182.8M	270.8M	274.2M	272.8M
OPERATING INCOME
Operating Expenses	(427.5M)	(448.3M)	(376M)	(358.6M)	(332.5M)	(315.6M)	(283.1M)	(264.3M)	(231.5M)	(235.4M)	(224.9M)	(204M)	(166.1M)	(152.7M)	(178.1M)	(212M)	(107.1M)	(175M)	(64.9M)	(53.6M)
Selling, General & Administrative	(327.2M)	(263M)	(216.6M)	(203.4M)	(190.5M)	(158.5M)	(143.4M)	(135.1M)	(123.7M)	(124.7M)	(127.9M)	(120.7M)	(103M)	(93.7M)	(92.6M)	(88.5M)	(67.8M)	(53.6M)	(43.6M)	(36.6M)
Operating Income	289.6M	256.1M	325.1M	300M	233.1M	219.2M	262.8M	257.2M	256.2M	248.1M	249.5M	244.9M	234.6M	215.9M	173.7M	123M	75.7M	95.8M	209.3M	218.7M
PRE-TAX INCOME
Interest Expense	(685.2M)	(710.9M)	(352.7M)	(71.8M)	(86.5M)	(151.8M)	(190.4M)	(134.9M)	(117M)	(116.5M)	(117.1M)	(128.1M)	(136.2M)	(193.2M)	(227.7M)	(269.1M)	(318.6M)	(397.6M)	(358.5M)	(273.4M)
Net Interest Income	654.2M	660.8M	690.2M	594.6M	505.1M	469.5M	481.1M	472.1M	431.9M	420.2M	413.5M	405.6M	380.1M	397M	416.9M	394.5M	373.1M	303.8M	260.2M	256.5M
Other Expenses	(100.3M)	(185.3M)	(159.5M)	(155.1M)	(142M)	(157M)	(139.7M)	(129.2M)	(107.9M)	(110.7M)	(97M)	(83.3M)	(63.1M)	(59M)	(85.5M)	(123.5M)	(39.3M)	(121.3M)	(21.3M)	(17M)
Income Before Tax	289.6M	256.1M	325.1M	300M	233.1M	219.2M	262.8M	257.2M	256.2M	248.1M	249.5M	244.9M	234.6M	215.9M	173.7M	123M	75.7M	95.8M	209.3M	218.7M
NET INCOME
Income Tax Expense	(63.6M)	(56M)	(67.7M)	(63.7M)	(49.5M)	(45.7M)	(52.5M)	(53.4M)	(82.7M)	(84.1M)	(89.2M)	(87.6M)	(83.1M)	(77.7M)	(62.5M)	(4.4M)	(27.6M)	(33.5M)	(74.3M)	(75.6M)
Net Income	226.1M	200M	257.4M	236.3M	183.6M	173.4M	210.3M	203.9M	173.5M	164M	160.3M	157.4M	151.5M	138.2M	111.1M	118.7M	48.2M	62.3M	135M	143.1M

SEC Filings

WAFD - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 12, 2026	May 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 04, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 05, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 17, 2026	April 16, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 02, 2026	April 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 02, 2026	February 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 23, 2026	February 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 04, 2026	February 03, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 04, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 03, 2026	February 03, 2026	2026	View Filing

Showing 1 to 10 of 472 filings

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