Stocks · Financial Services · Banks - Regional
WaFd, Inc. WAFD
$30.17 -2.05% Close, Oct 5, 2026 · NASDAQ · Market cap $2.28B
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 7.9× EBITDA, a high level of leverage.
- The diluted share count fell 7.3% in a year, mainly through buybacks.
- The shares trade at 9.2× trailing earnings, lower than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth52Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 18%
- EPS growth (TTM, YoY)Top 44%
- FCF growth (TTM, YoY)Bottom 26%
- Revenue growth, 3-year CAGRTop 21%
- Revenue growth accelerationTop 20%
Quality25Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 42%
- Gross marginBottom 27%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Bottom 41%
- Accruals (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Bottom 16%
- Interest coverBottom 29%
Value79Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 13%
- Free-cash-flow yieldTop 37%
- EBITDA / enterprise valueTop 48%
- Sales / enterprise valueBottom 43%
- P/E vs own 5-year history (lower is better)Top 17%
Momentum25Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 38%
- 6-month returnBottom 14%
- 1-year return vs S&P 500Bottom 36%
- Distance from 52-week highBottom 20%
- Trend checklist (0–4)Bottom 27%
Revisions11Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 32%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetTop 39%
Stability27Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 42%
- Maximum drawdown, 3 yearsBottom 33%
- Beta vs S&P 500 (lower is better)Top 50%
- Net debt / EBITDA (lower is better)Bottom 16%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -8.8% | -4.6% | ↑ |
| EPS growth (YoY) | 17.4% | 24.3% | ↑ |
| Gross margin | 49.5% | 54.9% | ↑ |
| Operating margin | 20.1% | 23.6% | ↑ |
| FCF margin | 17.3% | 16.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -4.6% | -8.8% | ↑ | Bottom 18% |
| EPS growth (TTM, YoY) | 24.3% | 17.4% | ↑ | Top 44% |
| Gross margin | 54.9% | 49.5% | ↑ | Bottom 27% |
| Operating margin | 23.6% | 20.1% | ↑ | Top 45% |
| Net margin | 18.5% | 15.6% | ↑ | — |
| Free-cash-flow margin | 16.3% | 17.3% | ↓ | — |
| Return on invested capital | 0.9% | — | Bottom 42% | |
| Revenue growth, 3-year CAGR | 24.3% | — | Top 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.04×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +4.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 7.91×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.56%
- Net buyback yield (TTM)
- 7.47%
- Shareholder yield
- 11.03%
- Share count change, 1 year
- -7.3%
- Share count change, 3-year CAGR
- +4.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +0.7%
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $36.00
- Target vs current price
- +19.3%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | -0.6% | +2.4% | -4.3% | -1.6% | — |
| Apr 16, 2026 | +10.7% | +0.1% | +7.9% | +6.5% | +17.3% |
| Jan 15, 2026 | -1.3% | +2.1% | -0.3% | -1.0% | -0.9% |
| Oct 16, 2025 | -5.9% | -3.7% | +0.7% | +5.8% | +13.1% |
| Jul 17, 2025 | +9.0% | +1.0% | +2.6% | +5.5% | -1.8% |
| Apr 11, 2025 | +12.1% | +0.2% | +14.5% | +18.1% | +26.6% |
| Jan 16, 2025 | -4.6% | -3.3% | -8.3% | -6.6% | -23.5% |
| Oct 17, 2024 | +1.4% | +0.5% | -6.5% | +1.1% | -14.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $0.81 | $0.82 | -0.6% | $205.5M |
| Apr 16, 2026 | $0.83 | $0.75 | +10.7% | $197.4M |
| Jan 15, 2026 | $0.75 | $0.76 | -1.3% | $191.4M |
| Oct 16, 2025 | $0.72 | $0.77 | -5.9% | $187.6M |
| Jul 17, 2025 | $0.73 | $0.67 | +9.0% | $186.3M |
| Apr 11, 2025 | $0.65 | $0.58 | +12.1% | $179.5M |
| Jan 16, 2025 | $0.62 | $0.65 | -4.6% | $171.6M |
| Oct 17, 2024 | $0.71 | $0.70 | +1.4% | $188.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.2× | 11.3× | 19th | Top 13% |
| P/E (forward) | 9.2× | — | — | — |
| EV / EBITDA | 14.7× | — | — | Top 48% |
| EV / Sales | 3.54× | — | — | Bottom 43% |
| Free-cash-flow yield | 9.96% | — | — | Top 37% |
| Earnings yield | 10.84% | — | — | Top 13% |
P/E over the past five years
Range 6.2× – 15.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +0.9%
- Earnings per share growth (TTM)
- +24.3%
- Change in P/E multiple
- +1.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -6.3%
- 200-day average slope (20 days)
- -0.0%
- Distance from 50-day average
- -13.5%
- Distance from 200-day average
- -12.1%
- RSI (14)
- 28.1
- Relative volume
- 0.77×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.4%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -23.3%
- Maximum drawdown, 3 years
- -35.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | Oct 27, 2023 | -38.1% | 241 days | 669 days (Jul 1, 2026) |
| Jul 16, 2026 | Sep 30, 2026 | -23.9% | 53 days | Not yet recovered |
| Jan 14, 2022 | Jun 23, 2022 | -20.6% | 109 days | 81 days (Oct 18, 2022) |
| Nov 3, 2021 | Dec 1, 2021 | -11.9% | 19 days | 30 days (Jan 13, 2022) |
| Oct 12, 2020 | Nov 6, 2020 | -11.7% | 19 days | 4 days (Nov 12, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.28B
- P/E (TTM)
- 9.2
- EPS, diluted (TTM)
- $3.27
- Revenue (TTM)
- $1.39B
- Dividend yield
- 3.58%
- 52-week range
- $26.31 – $39.49
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $652.6M | $733.4M | $1.10B | $1.43B | $1.41B |
| Gross profit | $565.6M | $658.6M | $701.1M | $704.3M | $717.7M |
| Operating income | $233.1M | $300.0M | $325.1M | $256.1M | $289.6M |
| Net income | $183.6M | $236.3M | $257.4M | $200.0M | $226.1M |
| EPS (diluted) | $2.39 | $3.39 | $3.72 | $2.50 | $2.63 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $389.8M | $361.2M | $354.7M | $350.0M | $344.2M | $342.9M | $344.8M | $356.5M |
| Net income | $61.1M | $47.3M | $56.3M | $62.0M | $60.6M | $64.2M | $65.5M | $66.1M |
| EPS (diluted) | $0.71 | $0.54 | $0.65 | $0.73 | $0.72 | $0.79 | $0.87 | $0.89 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $314.5M | $268.5M | $214.0M | $439.2M | $237.0M |
| Capital expenditure | -$29.5M | -$11.8M | -$15.1M | -$24.7M | -$28.7M |
| Free cash flow | $285.0M | $256.7M | $198.9M | $414.6M | $208.2M |
| Dividends paid | -$65.9M | -$61.6M | -$63.8M | -$74.3M | -$84.6M |
| Net share buybacks | -$348.7M | -$3.3M | -$30.5M | -$27.1M | -$101.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $676.5M
- Total assets
- $27.60B
- Total liabilities
- $24.57B
- Total debt
- $3.32B
- Net debt
- $2.64B
- Shareholders’ equity
- $3.02B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 21, 2026 | $0.27 | Sep 4, 2026 |
| May 22, 2026 | $0.27 | Jun 5, 2026 |
| Feb 13, 2026 | $0.27 | Feb 27, 2026 |
| Nov 21, 2025 | $0.27 | Dec 5, 2025 |
| Aug 22, 2025 | $0.27 | Sep 5, 2025 |
| May 23, 2025 | $0.27 | Jun 6, 2025 |
| Feb 21, 2025 | $0.27 | Mar 7, 2025 |
| Nov 22, 2024 | $0.26 | Dec 6, 2024 |
Short interest
- Shares sold short
- 4,665,613
- Days to cover
- 3.79
- Change vs previous report
- +21.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 2, 2005
- 11-for-10
- Feb 4, 2004
- 11-for-10
- Feb 5, 2003
- 11-for-10
- Feb 6, 2002
- 11-for-10
- Feb 7, 2001
- 11-for-10