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Financial Services - Banks - Regional - NASDAQ - US
$ 28.19
0.967 %
$ 2.26 B
Market Cap
10.52
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one WAFD stock under the worst case scenario is HIDDEN Compared to the current market price of 28.2 USD, Washington Federal, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one WAFD stock under the base case scenario is HIDDEN Compared to the current market price of 28.2 USD, Washington Federal, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one WAFD stock under the best case scenario is HIDDEN Compared to the current market price of 28.2 USD, Washington Federal, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WAFD

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$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.020252025Feb '25Feb '25Mar '25Mar '25Apr '25Apr '25May '25May '25Jun '25Jun '25
FINANCIALS
722 M REVENUE
-2.80%
256 M OPERATING INCOME
-21.23%
200 M NET INCOME
-22.29%
439 M OPERATING CASH FLOW
105.29%
3.29 B INVESTING CASH FLOW
338.56%
-2.33 B FINANCING CASH FLOW
-159.24%
355 M REVENUE
2158.95%
72 M OPERATING INCOME
19.52%
161 M NET INCOME
240.43%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
100.00%
0 FINANCING CASH FLOW
100.00%
Balance Sheet Washington Federal, Inc.
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Current Assets 26 M
Cash & Short-Term Investments 26 M
Receivables 0
Other Current Assets 0
Non-Current Assets 25.5 B
Long-Term Investments 3.01 B
PP&E 0
Other Non-Current Assets 22.4 B
11.81 %88.09 %Total Assets$25.5b
Current Liabilities 20.4 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 20.4 B
Non-Current Liabilities 3.32 B
Long-Term Debt 3.32 B
Other Non-Current Liabilities 0
86.02 %13.98 %Total Liabilities$23.7b
EFFICIENCY
Earnings Waterfall Washington Federal, Inc.
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Revenue 722 M
Cost Of Revenue 0
Gross Profit 722 M
Operating Expenses 722 M
Operating Income 256 M
Other Expenses 56 M
Net Income 200 M
800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m00722m0722m(722m)256m(56m)200mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
35.47% OPERATING MARGIN
35.47%
27.71% NET MARGIN
27.71%
6.67% ROE
6.67%
0.71% ROA
0.71%
3.96% ROIC
3.96%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Washington Federal, Inc.
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450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 200 M
Depreciation & Amortization 134 M
Capital Expenditures 0
Stock-Based Compensation 9.18 M
Change in Working Capital 81.3 M
Others 67.3 M
Free Cash Flow 415 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Washington Federal, Inc.
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Wall Street analysts predict an average 1-year price target for WAFD of $36.6 , with forecasts ranging from a low of $31 to a high of $41 .
WAFD Lowest Price Target Wall Street Target
31 USD 9.97%
WAFD Average Price Target Wall Street Target
36.6 USD 29.83%
WAFD Highest Price Target Wall Street Target
41 USD 45.44%
Price
Max Price Target
Min Price Target
Average Price Target
4242404038383636343432323030282826262424Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.16% DIVIDEND YIELD
0.27 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.130.140.40.170.20.220.230.240.250.260.270.130.140.150.170.20.220.230.240.250.260.270.130.140.150.180.210.220.230.240.250.260.130.520.140.560.150.850.180.700.210.820.220.880.230.920.240.960.251.000.261.040.542015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 20
6. Ownership
Insider Ownership Washington Federal, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
648 K USD 2
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
WaFd, Inc. Announces Cash Dividend of 27 cents per share SEATTLE--(BUSINESS WIRE)---- $WAFD #banking--Today, the Board of Directors of WaFd, Inc. (Nasdaq: WAFD) (the “Company”), announced a regular quarterly cash dividend of 27 cents per share. The dividend will be paid June 6, 2025, to common shareholders of record as of May 23, 2025. This will be the Company's 169th consecutive quarterly cash dividend. WaFd, Inc. is the parent company of Washington Federal Bank, a federally insured Washington state chartered commercial bank dba WaFd Bank that operates branches in Was. businesswire.com - 1 month ago
WaFd Bank president on weak loan demand, impact of market uncertainty and the state of the consumer Brent Beardall, WaFd Bank president, joins 'Power Lunch' to discuss loan demand, recession fears and the state of the banking customer. youtube.com - 2 months ago
WAFD's Q2 Earnings Beat Estimates on Higher NII & Fee Income WaFd's fiscal Q2 earnings beat estimates on the back of higher revenues and lower expenses. However, a decline in loan balance is a headwind. zacks.com - 2 months ago
WaFd (WAFD) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for WaFd (WAFD) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
WaFd (WAFD) Q2 Earnings Surpass Estimates WaFd (WAFD) came out with quarterly earnings of $0.65 per share, beating the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.73 per share a year ago. zacks.com - 2 months ago
WaFd Announces Quarterly Earnings Per Share of $0.65 SEATTLE--(BUSINESS WIRE)---- $WAFD #banking--WaFd, Inc. (Nasdaq: WAFD): Q2 Highlights   $56 Million   $0.65   0.82%   7.68% Net Income   Diluted Earnings per Common Share   Return on Average Assets   Return on Average Common Equity "In the second quarter of fiscal 2025 our margin bounced back, expenses declined, and bottom-line results improved for shareholders. We are enthusiastic about the shift toward business banking we implemented last quarter and are pleased to see early successes including 382 new small bu. businesswire.com - 2 months ago
WaFd: Regional Bank With A 7.3% Yielding Preferred Share WaFd's preferred shares offer a 7.35% dividend yield, making them attractive for income investors despite recent value drops. The bank's net interest income has declined due to rising borrowing yields and falling asset yields, impacting profitability. The Luther Burbank merger improved WaFd's loan to deposit ratio, reducing dependence on costly external financing. seekingalpha.com - 3 months ago
WaFd Bank CEO on shifting away from single-family mortgage lending Brent Beardall, WaFd Bank president and CEO, joins 'Power Lunch' to discuss the bank's big shift in mortgage lending. youtube.com - 4 months ago
WaFd Rewards Shareholders With a 3.8% Dividend Increase WAFD announces a 3.8% hike in its quarterly dividend to 27 cents per share. A decent liquidity and capital position will help sustain capital distributions. zacks.com - 4 months ago
WaFd, Inc. Announces Increase in its Cash Dividend to 27 cents per share SEATTLE--(BUSINESS WIRE)---- $WAFD #WaFd--Today, the Board of Directors of WaFd, Inc. (Nasdaq: WAFD) (the “Company”), announced an increase to the regular quarterly cash dividend to 27 cents per share. The dividend will be paid March 7, 2025, to common shareholders of record as of February 21, 2025. This will be the Company's 168th consecutive quarterly cash dividend. WaFd, Inc. is the parent company of Washington Federal Bank, a federally insured Washington state chartered commercial bank dba WaFd Bank that o. businesswire.com - 4 months ago
WAFD Misses on Q1 Earnings, Exits Single-Family Mortgage Lending Higher expenses hurt WaFd's fiscal Q1 earnings, partly offset by a rise in revenues and nil provisions. The company exits single-family mortgage lending. zacks.com - 5 months ago
WaFd (WAFD) Reports Q1 Earnings: What Key Metrics Have to Say Although the revenue and EPS for WaFd (WAFD) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 5 months ago
8. Profile Summary

Washington Federal, Inc. WAFD

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.26 B
Dividend Yield 0.16%
Description Washington Federal, Inc. operates as the bank holding company for Washington Federal Bank, National Association that provides lending, depository, insurance, and other banking services in the United States. The company offers deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It also provides 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. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; mobile and internet banking services; and debit and credit cards, as well as acts as the trustee. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. As of September 30, 2021, the company had 219 branches located in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, and Texas. Washington Federal, Inc. was founded in 1917 and is headquartered in Seattle, Washington.
Contact 425 Pike Street, Seattle, WA, 98101 https://www.wafdbank.com
IPO Date Nov. 9, 1982
Employees 2018
Officers Mr. Keith D. Taylor Senior Vice President of Corporate Real Estate and Treasurer Ms. Kim E. Robison Executive Vice President & Chief Operating Officer Mr. Ryan M. Mauer Executive Vice President & Chief Credit Officer Ms. Blayne A. Sanden Senior Vice President & Principal Accounting Officer Mr. Brad Goode Chief of Communications, Marketing & Community Relations and Senior Vice President Mr. Brent J. Beardall CPA President, Chief Executive Officer & Vice Chairman Mr. Robert C. Zirk Senior Vice President & Controller Ms. Cathy E. Cooper Executive Vice President, Chief Experience Officer & Corporate Secretary Ms. Kelli J. Holz CPA Executive Vice President & Chief Financial Officer Lisa M. King Senior Vice President of Human Resources