Is WaFd Inc. (WAFD) overvalued or fairly valued?

MarketChacha shows WaFd Inc.'s valuation in context — a trailing P/E of about 12.3, a forward P/E of about 10.9, a price-to-book of about 1.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does WaFd Inc.'s reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.30×) from reported figures — education, not a rating.

What is WaFd Inc.'s revenue?

WaFd Inc. reported revenue of $29.6M for FY2025, with net profit of $226.1M, per official filings.

What is the share price of WaFd Inc. (WAFD)?

WaFd Inc. last traded at $36.69 (-1.1% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

WaFd Inc.

WAFD · NYSE · Financials · United States

$36.69-1.1%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:30 PM

Snapshot

TickerWAFD

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees2,055

HeadquartersSeattle, United States

Market cap$2.7B

P/E (TTM)12.3

P/B1.0

Volume299.17K

Websitewww.wafdbank.com

Filings tracked7

About WaFd Inc.

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders1.7%
Institutions85.5%
Public & other12.8%

355 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.95%
Dimensional Fund Advisors LP6.69%
Vanguard Portfolio Management LLC6.52%
State Street Corporation5.71%
Alliancebernstein L.P.4.84%
Vanguard Capital Management LLC4.64%
Fuller & Thaler Asset Management Inc.4.40%
American Century Companies Inc2.99%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

Margin has compressed by about 225.7 points over the period — profitability is trending down.

Cash conversion1.30×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend988.2% → 762.5%

Margin has compressed by about 225.7 points over the period — profitability is trending down.

Return on equity7.4%

Latest ROE of 7.4% is on the low side — the business earns a modest return on shareholder capital.

Growth qualityrev 7% · PAT -6%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $204.3M · EPS 0.84

Est. earnings growth +12.0%

Next fiscal year

Rev $822.3M · EPS 3.36

Est. earnings growth +4.3%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$26.3152-wk range$39.49

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$2.7B

Day change

-1.1%

P/E (TTM)

12.3

Fwd P/E

10.9

P/B

1.0

Div yield

2.91%

Beta

0.83

Revenue (FY2025)

$29.6M

Net margin

762.5%

ROE

7.4%

Revenue CAGR (2y)

+6.7%

Profit CAGR (2y)

-6.3%

EPS (FY2025)

2.63

Net profit (FY2025)

$226.1M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about WAFD

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$29.6M	$226.1M	2.63	762.5%	7.4%
FY2024	$27.5M	$200.0M	2.50	727.2%	6.7%
FY2023	$26.1M	$257.4M	3.72	988.2%	10.6%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$7.7M	$65.5M	0.82	854.2%
2025Q4	$7.9M	$64.2M	0.79	817.0%
2025Q2	$7.6M	$62.0M	0.73	816.4%
2025Q1	$7.1M	$56.3M	0.65	797.1%
2024Q4	$7.0M	$47.3M	0.54	670.8%
2024Q2	$7.0M	$64.6M	0.75	927.6%
2024Q1	$6.7M	$15.9M	0.17	237.2%
2023Q4	$6.8M	$58.5M	0.85	859.4%
2023Q2	$6.7M	$61.8M	0.89	927.6%
2023Q1	$6.2M	$65.9M	0.95	1065.5%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/17/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/6/2026material
8-K — Other events, Exhibits
SEC5/12/2026material
10-Q filing
SEC5/5/2026
8-K — Reg FD disclosure, Exhibits
SEC5/5/2026material
8-K — Results of operations, Exhibits
SEC4/17/2026material
8-K — Reg FD disclosure, Exhibits
SEC4/2/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.