WaFd (WAFD) Stock Price
WaFd Price
Revenue has compounded at 5.3% per year over the past 19 years to 724.86 M USD. Earnings per share have grown at 3.1% per year over the last 19 years. WaFd's net margin stands at 31.2%, down from 32.4% several years earlier. WaFd currently offers a dividend yield of about 3.44%. The payout ratio is around 37% of earnings. The dividend has grown at 1.5% per year over the past 19 years. Analysts set a median price target of 38.00 USD, implying 21.2% above the current price. Of 9 analysts, 0 rate the stock a buy — an overall Hold consensus. The stock trades about 16% above its 52-week low.
WaFd stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of WaFd over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how WaFd stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing WaFd's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | WaFd Price |
|---|---|
| 9/25/2026 | 31.35 USD |
| 9/24/2026 | 31.35 USD |
| 9/23/2026 | 30.70 USD |
| 9/22/2026 | 31.82 USD |
| 9/21/2026 | 32.24 USD |
| 9/18/2026 | 32.14 USD |
| 9/17/2026 | 32.54 USD |
| 9/16/2026 | 33.14 USD |
| 9/15/2026 | 33.57 USD |
| 9/14/2026 | 33.61 USD |
| 9/13/2026 | 33.88 USD |
| 9/11/2026 | 34.12 USD |
| 9/10/2026 | 34.10 USD |
| 9/9/2026 | 33.85 USD |
| 9/8/2026 | 34.99 USD |
| 9/4/2026 | 36.30 USD |
| 9/3/2026 | 35.98 USD |
| 9/2/2026 | 35.94 USD |
| 9/1/2026 | 35.38 USD |
| 8/31/2026 | 35.76 USD |
| 8/30/2026 | 35.82 USD |
| 8/28/2026 | 36.14 USD |
| 8/27/2026 | 36.01 USD |
| 8/26/2026 | 36.22 USD |
| 8/25/2026 | 36.21 USD |
| 8/24/2026 | 36.28 USD |
| 8/21/2026 | 36.38 USD |
| 8/20/2026 | 36.65 USD |
| 8/19/2026 | 37.07 USD |
| 8/18/2026 | 37.54 USD |
WaFd Revenue, Pre-Provision Profit, Net Income
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WaFd Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.54 | 0.56 | 0.58 | 0.59 | 0.60 | 0.65 | 0.73 | 0.71 | 0.65 | 0.73 | 0.74 | 1.43 | 1.41 | 0.79 | 0.83 | 0.85 |
| -11.22 | 4.28 | 3.39 | 2.24 | 1.52 | 8.14 | 12.75 | -3.54 | -7.91 | 12.42 | 1.23 | 92.99 | -1.54 | -43.76 | 4.04 | 3.27 |
| 74.35 | 79.86 | 81.72 | 81.45 | 80.90 | 80.03 | 74.25 | 75.42 | 86.66 | 89.77 | 100.00 | 49.16 | 50.85 | 50.85 | 50.85 | 50.85 |
| 400.00 | 448.00 | 474.00 | 483.00 | 487.00 | 521.00 | 545.00 | 534.00 | 565.00 | 658.00 | 742.00 | 704.00 | 717.00 | 403.25 | 419.52 | 433.25 |
| 380.10 | 405.60 | 413.48 | 420.25 | 431.93 | 472.14 | 481.06 | 469.51 | 505.11 | 594.59 | 690.23 | 660.83 | 654.24 | – | – | – |
| 21.90 | 30.70 | 49.73 | 57.08 | 53.71 | 43.98 | 63.13 | 86.99 | 60.99 | 67.02 | 52.20 | 61.00 | 70.62 | – | – | – |
| 1.40 | -15.40 | -11.20 | -6.30 | -2.10 | -5.50 | -1.70 | – | 0.50 | 3.00 | 41.50 | 17.50 | 7.75 | – | – | – |
| 235.90 | 229.50 | 247.71 | 251.93 | 255.64 | 251.72 | 261.89 | 219.19 | 234.10 | 303.71 | 366.58 | 273.86 | 296.77 | – | – | – |
| 151.00 | 157.00 | 160.00 | 164.00 | 173.00 | 203.00 | 210.00 | 173.00 | 183.00 | 236.00 | 257.00 | 200.00 | 226.00 | 264.00 | 282.00 | 304.00 |
| 9.42 | 3.97 | 1.91 | 2.50 | 5.49 | 17.34 | 3.45 | -17.62 | 5.78 | 28.96 | 8.90 | -22.18 | 13.00 | 16.81 | 6.82 | 7.80 |
| 0.47 | 0.36 | 0.52 | 0.56 | 0.60 | 0.70 | 0.82 | 0.88 | 0.92 | 0.96 | 1.00 | 1.04 | 1.08 | 1.08 | 1.12 | 1.16 |
| 46.87 | -23.40 | 44.44 | 7.69 | 7.14 | 16.67 | 17.14 | 7.32 | 4.55 | 4.35 | 4.17 | 4.00 | 3.85 | – | 3.70 | 3.57 |
| 102.81 | 98.53 | 93.58 | 89.73 | 87.08 | 81.83 | 78.54 | 75.80 | 65.35 | 65.43 | 64.31 | 81.40 | 77.02 | 77.02 | 77.02 | 77.02 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales WaFd generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue WaFd retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare WaFd's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares WaFd has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against WaFd's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
WaFd stock margins
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WaFd Revenue per Share, Earnings per Share
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WaFd business model & stock analysis
WaFd SWOT Analysis
Strengths
Washington Federal Inc is backed by a strong financial position, enabling it to make strategic investments, expand its operations, and weather economic downturns more effectively than its competitors.
With a wide network of branches across various geographic locations, Washington Federal Inc has a significant market presence and the ability to reach a large customer base, providing convenience and accessibility to its customers.
Weaknesses
Washington Federal Inc relies heavily on interest income as its main source of revenue. This over-reliance makes it susceptible to interest rate fluctuations, potentially impacting its profitability and financial performance.
The company's product portfolio primarily focuses on traditional banking services, lacking diversification into other financial products and services. This limited product range may restrain its ability to compete with institutions offering a wider range of products and capture a broader customer base.
Opportunities
The expanding mortgage market presents an opportunity for Washington Federal Inc to capitalize on the increasing demand for home loans. By enhancing its mortgage offerings and attracting new customers, the company can generate higher interest income and expand its market share.
The digital banking revolution offers an opportunity for Washington Federal Inc to invest in technological advancements and improve its online and mobile banking services. By offering convenient and user-friendly digital banking solutions, the company can attract tech-savvy customers and enhance customer satisfaction.
Threats
The rise of innovative financial technology startups poses a threat to traditional banking institutions like Washington Federal Inc. These startups often offer more agile, customer-centric solutions, potentially attracting customers away from traditional banks and eroding market share.
The uncertainty surrounding the global and domestic economy can impact Washington Federal Inc's business operations. Economic downturns, fluctuations in interest rates, and changes in government policies can pose challenges to the company's profitability, asset quality, and credit risk.
WaFd Employees
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WaFd Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
WaFd historical P/E ratio, EBIT multiple, and P/S ratio
WaFd annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down WaFd's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in WaFd's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare WaFd's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
WaFd shares outstanding
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WaFd stock splits
Since 1989, a total of 7.061463847622249 shares have been converted from one WaFd share.
WaFd Dividend History
37 years of dividend payments · 11 consecutive increases
WaFd dividend history and estimates
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WaFd dividend payout ratio
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Current WaFd forecasts and price targets in September 2026
Analyst Price Targets 2026WaFd Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 7/20/2026 | Maintained | Neutral | 56 | |
| 4/20/2026 | Maintained | Neutral | 54 | |
| 4/20/2026 | Maintained | Market Perform | 53 | |
| 4/9/2026 | Maintained | Market Perform | 53 | |
| 1/20/2026 | Maintained | Neutral | 54 | |
| 1/20/2026 | Maintained | Market Perform | 53 | |
| 10/20/2025 | Maintained | Market Perform | 53 | |
| 7/21/2025 | Maintained | Equal Weight | 64 | |
| 7/21/2025 | Maintained | Neutral | 54 | |
| 7/21/2025 | Maintained | Market Perform | 53 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
WaFd Earnings Calls
WaFd Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 10/15/2026 | 0.84USD | - | 203.67 MUSD | - | 2026 Q3 |
| 7/16/2026 | 0.82USD | 0.81USD | 199.56 MUSD | - | 2026 Q2 |
| 4/16/2026 | 0.75USD | 0.83USD | 190.25 MUSD | - | 2026 Q1 |
| 1/15/2026 | 0.76USD | 0.75USD | 192.83 MUSD | - | 2025 Q4 |
| 10/16/2025 | 0.77USD | 0.72USD | 190.57 MUSD | - | 2025 Q3 |
| 7/17/2025 | 0.67USD | 0.73USD | 184.19 MUSD | - | 2025 Q2 |
| 4/11/2025 | 0.58USD | 0.65USD | 173.58 MUSD | - | 2025 Q1 |
| 1/16/2025 | 0.65USD | 0.62USD | 174.04 MUSD | - | 2024 Q4 |
| 10/17/2024 | 0.70USD | 0.71USD | 193.81 MUSD | - | 2024 Q3 |
| 7/16/2024 | 0.57USD | 0.75USD | 171.99 MUSD | - | 2024 Q2 |
EESG©
Eulerpool ESG Scorecard© for the WaFd stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
WaFd shareholder structure
| % | Name |
|---|---|
13.76135% | |
6.16225% | |
6.00652% | |
5.25277% | |
4.45401% | |
4.27047% |
WaFd Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
14.60% | SEC ↗ | |
13.30% | SEC ↗ | |
9.95% | SEC ↗ | |
9.08% | SEC ↗ | |
9.08% | SEC ↗ | |
8.79% | SEC ↗ | |
8.30% | SEC ↗ | |
8.20% | SEC ↗ | |
6.85% | SEC ↗ | |
6.40% | SEC ↗ |
WaFd Executives and Management Board
16 members · avg. age 61 · 25 % women
Mr. Brent Beardall (53)
President, Chief Executive Officer, Vice Chairman of the Board · since 2003
4.03 M USD
Management
Ms. Cathy Cooper (58)
Executive Vice President, Chief Consumer Banker
Mr. Kim Robison (54)
Executive Vice President, Chief Operating Officer
Ms. Kelli Holz (56)
Chief Financial Officer, Executive Vice President
Mr. Ryan Mauer (53)
Executive Vice President, Chief Credit Officer
Mr. Brad Goode
Chief Marketing and Communications Officer · since 2018
Board of Directors
Mr. Stephen Graham (73)
Independent Chairman of the Board
Mr. R. Shawn Bice (55)
Independent Director
Ms. Linda Brower (71)
Independent Director · since 2003
Mr. David Grant (71)
Independent Director
Ms. Sylvia Hampel (59)
Independent Director
Mr. S. Steven Singh (63)
Independent Director
WaFd Supply Chain
WaFd Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.44 | 0.20 | — |
Frequently asked questions about WaFd
The business model of Washington Federal Inc. is centered around providing traditional banking services and financial solutions to individuals and businesses. Operating as a federally-chartered bank, Washington Federal Inc. offers a range of products and services such as checking and savings accounts, mortgage and home loan financing, commercial lending, and wealth management. With a strong focus on customer service and community involvement, Washington Federal Inc. aims to build lasting relationships with its clients by delivering personalized and reliable financial offerings. As a trusted financial institution, Washington Federal Inc. strives to support the financial objectives and aspirations of its customers while ensuring long-term growth and profitability for its shareholders.
Washington Federal Inc is primarily active in the banking and financial services industry.
The main competitors of Washington Federal Inc in the market include large national banks such as Wells Fargo, Bank of America, and JPMorgan Chase. These banking institutions are well-established and have a broad customer base. Additionally, regional banks like U.S. Bancorp and BB&T Corporation also compete with Washington Federal Inc, offering similar financial services and solutions in their respective areas. Other competitors in the market might include credit unions and online banking platforms that offer convenient and competitive banking alternatives.
Washington Federal Inc is a reputable financial institution with a rich history and strong background. Founded in 1917, the company began as a small savings and loan association in Seattle, Washington. Over the years, Washington Federal Inc has grown and expanded its operations, becoming a trusted provider of banking and lending services. With a focus on delivering personalized customer experiences and fostering strong community connections, Washington Federal Inc has built a solid reputation for financial stability and reliable performance. Today, the company continues to serve individuals, businesses, and communities across the United States, offering a wide range of banking products and services.
Washington Federal Inc has achieved several significant milestones throughout its history. The company was founded in 1917 and has since grown to become a leading bank holding company, serving communities across the Western United States. Over the years, Washington Federal Inc has successfully expanded its footprint, opening numerous branches and acquiring other financial institutions. The company has also demonstrated stability and growth, consistently delivering strong financial results and maintaining a solid balance sheet. Its commitment to customer satisfaction and community involvement further contribute to its success. Washington Federal Inc continues to thrive as a trusted financial institution, providing quality services and products to its valued customers.
Washington Federal Inc is primarily present in the United States.
Washington Federal Inc represents a strong commitment to stability, integrity, and exceptional customer service. With a corporate philosophy centered around long-term relationships, they prioritize the best interests of their customers, employees, and communities. Washington Federal Inc values prudent financial management and strives to provide consistent and reliable returns to their shareholders. With their customer-focused approach, they believe in putting people first, offering personalized solutions, and building trust through transparency. As a reputable financial institution, Washington Federal Inc prioritizes responsible lending practices and works diligently to support the financial goals and dreams of their customers.
Analysts currently set an average price target of 38.00 USD for the WaFd stock (median: 38.00 USD), implying +22.9 % versus the latest price. The consensus is based on 9 analyst ratings.
9 analysts currently rate the WaFd stock: 0 recommend buying, 6 holding and 3 selling. For 2026, analysts expect WaFd to generate revenue of 793.05 M USD and earnings per share of 3.43 USD.
Converted at the current exchange rate, the WaFd share trades at 27.50 EUR (31.35 USD).
The WaFd share (WAFD) is listed on 2 stock exchanges, including: NASDAQ (WAFD), Frankfurt (WAO.F).
Washington Federal Inc is a financial services company that offers banking and insurance services. With headquarters in Seattle, the company has been in the industry for almost a century and operates over 230 branches in eight western states as well as online.
The expected revenue of WaFd is 793.05 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of WaFd is 264.04 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of WaFd is currently 9.14. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the WaFd stock.
The price-to-sales ratio (P/S) of WaFd is currently 3.04. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the WaFd stock.
The Eulerpool Quality Score for WaFd is 4/10.
The ISIN of WaFd is US9388241096. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of WaFd is 896421. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of WaFd is WAFD. The ticker symbol is used to trade WaFd shares on the stock exchange.
Over the past 12 months, WaFd paid a dividend of 1.08 USD . This corresponds to a dividend yield of about 3.44 %. For the coming 12 months, WaFd is expected to pay a dividend of 1.12 USD.
The current dividend yield of WaFd is 3.44 %.
WaFd pays a dividend, distributed in the months of November, February, May, August.
WaFd paid dividends every year for the past 36 years.
For the upcoming 12 months, dividends amounting to 1.12 USD are expected. This corresponds to a dividend yield of 3.62 %.
WaFd is assigned to the 'Finance' sector.
To receive the latest dividend of WaFd from 9/4/2026 amounting to 0.27 USD, you needed to have the stock in your portfolio before the ex-date on 8/21/2026.
The last dividend was paid out on 9/4/2026.
In the year 2025, WaFd distributed 1.08 USD as dividends.
The dividends of WaFd are distributed in USD.
WaFd stock
WaFd Peer Group
WaFd Ticker
WaFd FIGI
All fundamentals and in-depth analysis of WaFd
Our stock analysis for WaFd stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of WaFd. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.