WaFd, Inc. (WAFD) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
WaFd, Inc. delivers a comprehensive suite of banking and financial services, encompassing lending, deposit accounts, and insurance, primarily catering to individual consumers. Beyond retail banking, the company also serves the financial needs of mid-sized to large businesses, as well as owners and developers within the commercial real estate sector. Established on November 15, 1994, WaFd, Inc. maintains its headquarters in Seattle, Washington.
Is WaFd, Inc. stock overvalued or undervalued in 2026?
WaFd, Inc. (WAFD) trades at 8.9× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE del 8,7 % (1.3×) $53 (+80 %); at its peers' median (1.1×) $45 (+54 %).
Kaplio overview: WaFd, Inc.
Market cap $2B · 52 weeks $28 – $39 (25 % below the high) · P/E 8.9× · 2027 expected P/E 8.8× · Dividend 3.7 % · Next earnings January 21, 2027 · expected EPS $0.80 · Closing price, Oct 28 · accounts published Oct 15.
- Valuation: P/B 0.7× (justified).
- Business: ROTCE 8.7 % (weak).
- Balance sheet: Capital/assets 11.4 % (solid).
- Earnings: 4 of 8 (uneven).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE del 8,7 % (1.3×) $53 (+80 %); at its peers' median (1.1×) $45 (+54 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 3 of 5 pass
- ROTCE 8.7 %, fails.
- ROA 0.9 %, borderline.
- Equity / Assets (Tier 1 proxy) 11.4 %, passes.
- P/B (Price / Book) 0.7×, passes.
- Sustainable dividend yield 3.7 %, passes.
Against its peers (reference peers) — WaFd, Inc.: P/E 8.9×; P/B 0.7×; ROE 8.5 %; $2.2B. Banner Corporation (P/E 11.7×; P/B 1.1×; ROE 10.1 %; $2.5B), WSFS Financial Corporation (P/E 12.3×; P/B 1.5×; ROE 12.4 %; $4.0B), Western Alliance Bancorporation (P/E 8.4×; P/B 1.1×; ROE 13.1 %; $8.3B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 0.7× · median 1.1× · minimum 0.6× · maximum 1.7× · cheap below 0.9× · expensive above 1.5×. It has been cheaper than today only 6% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 3.7 % ($1.24 per share in 2025) · Years raising it 1 · 5-year growth +7 % a year · Free cash flow coverage payout 44 % · With $1,000 invested today you'd collect $36.80 a year ($3.07 a month).
Profitability
| Return on Equity | 8.50% |
| Return on Invested Capital | 4.37% |
| Return on Assets | 0.94% |
| Gross Margin | 54.69% |
| Operating Margin | 23.12% |
| Net Margin | 18.06% |
Financial Health
| Debt / Equity | 0.85 |
| Current Ratio | 0.29 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.51 |
Price Performance
| 1 month | -3.20% |
| 3 months | -20.26% |
| Year-to-date | -8.46% |
| 1 year | +0.58% |
| 3 years | +20.56% |
| 5 years | -17.08% |
| 10 years | +7.60% |
Dividend History
Paid in the last 12 months: $1.0800 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-08-21 | $0.2700 |
| 2026-05-22 | $0.2700 |
| 2026-02-13 | $0.2700 |
| 2025-11-21 | $0.2700 |
| 2025-08-22 | $0.2700 |
| 2025-05-23 | $0.2700 |
| 2025-02-21 | $0.2700 |
| 2024-11-22 | $0.2600 |
| 2024-08-23 | $0.2600 |
| 2024-05-23 | $0.2600 |
Amounts adjusted for stock splits.
Related companies: WTFC · WSFS · BANR · WAL
Explore sector: Financial Services · Banks - Regional
More sections of WAFD: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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