WAFD

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WaFd, Inc.

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Key Metrics

Previous Close: $29.98
52-Week Range: $26.31 – $39.49
Market Cap: $2.28B
P/E (TTM): 9.72
EPS (TTM): 3.17
Dividend Yield: 3.51%

Advanced Metrics

Price/Book: 0.84
PEG Ratio: 1.85
Return on Equity: 8.50%
Return on Assets: 0.94%
Gross Margin: 0.00%
Operating Margin: 46.13%
Profit Margin: 33.70%
Current Ratio: —
Debt/Equity: —
Total Debt: $3.36B
Free Cash Flow: —
Revenue Growth: 5.60%
Earnings Growth: 15.10%
Enterprise Value: $5.25B

WAFD Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$661.61M	$742.61M	$721.83M	$724.86M
Selling, General & Admin	$203.45M	$216.56M	$263.02M	$242.35M
Pretax Income	$300.04M	$325.08M	$256.06M	$289.64M
Income Tax	$63.71M	$67.65M	$56.02M	$63.57M
Net Income	$236.33M	$257.43M	$200.04M	$226.07M
Diluted EPS	3.39	3.72	2.50	2.63
Diluted Shares	65.40M	65.26M	74.29M	80.26M

WAFD Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$683.97M	$980.65M	$2.38B	$657.31M
Receivables	$63.87M	$95.48M	$222.07M	$211.37M
Total Assets	$20.77B	$22.47B	$28.06B	$26.70B
Long-Term Debt	$2.13B	$3.65B	$3.32B	$70.21M
Total Debt	$2.13B	$3.65B	$3.32B	$1.82B
Total Liabilities	$18.50B	$20.05B	$25.06B	$23.66B
Retained Earnings	$1.69B	$1.87B	$1.98B	$2.11B
Shareholders' Equity	$2.27B	$2.43B	$3.00B	$3.04B
Net Debt	$1.44B	$2.67B	$937.21M	$1.16B

WAFD Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$268.46M	$213.96M	$439.23M	$236.95M
Capital Expenditure	-$11.79M	-$15.06M	-$24.68M	-$28.71M
Free Cash Flow	$256.68M	$198.89M	$414.55M	$208.25M
Depreciation & Amortisation	$64.05M	$22.97M	$134.10M	$9.72M
Stock-Based Compensation	$6.81M	$7.91M	$9.18M	$8.52M
Investing Cash Flow	-$2.49B	-$1.38B	$3.29B	-$318.41M
Financing Cash Flow	$817.86M	$1.46B	-$2.33B	-$1.64B
Dividends Paid	-$76.20M	-$78.42M	-$88.89M	-$99.26M
Share Repurchases	-$3.26M	-$30.46M	-$27.07M	-$101.93M
Net Change in Cash	-$1.41B	$296.68M	$1.40B	-$1.72B

WAFD Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$186.09M	$187.62M	$191.52M	$197.66M	$205.68M
Selling, General & Admin	$58.63M	$60.43M	$59.59M	$62.17M	$62.94M
Pretax Income	$79.76M	$77.62M	$82.30M	$83.81M	$84.35M
Income Tax	$17.81M	$17.03M	$18.11M	$18.26M	$18.22M
Net Income	$61.95M	$60.60M	$64.20M	$65.55M	$66.13M
Diluted EPS	0.73	0.72	0.79	0.82	0.84
Diluted Shares	79.91M	78.57M	77.02M	75.57M	74.05M

WAFD Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$809.25M	$657.31M	$734.91M	$669.80M	$676.47M
Receivables	$219.33M	$211.37M	$200.03M	$204.92M	$209.74M
Total Assets	$26.73B	$26.70B	$27.29B	$27.57B	$27.60B
Long-Term Debt	$1.99B	$70.21M	$2.49B	$3.11B	$3.32B
Total Debt	$1.99B	$1.82B	$2.49B	$3.11B	$3.32B
Total Liabilities	$23.72B	$23.66B	$24.26B	$24.59B	$24.57B
Retained Earnings	$2.07B	$2.11B	$2.15B	$2.19B	$2.23B
Shareholders' Equity	$3.01B	$3.04B	$3.03B	$2.98B	$3.02B
Net Debt	$1.18B	$1.16B	$1.75B	$2.44B	$2.64B

WAFD Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$58.01M	$57.38M	$60.48M	$79.38M	$70.28M
Capital Expenditure	-$4.93M	-$11.78M	-$10.44M	-$11.41M	-$6.91M
Free Cash Flow	$53.08M	$45.60M	$50.04M	$67.97M	$63.36M
Depreciation & Amortisation	-$13.52M	-$1.25M	-$1.56M	$8.58M	$6.04M
Stock-Based Compensation	$2.06M	$2.03M	$2.04M	$3.44M	$2.38M
Investing Cash Flow	$468.89M	-$58.76M	-$511.69M	-$391.05M	-$42.05M
Financing Cash Flow	-$949.11M	-$150.56M	$528.81M	$246.56M	-$21.56M
Dividends Paid	-$24.90M	-$24.51M	-$24.02M	-$23.81M	-$23.32M
Share Repurchases	-$48.34M	-$28.84M	-$58.02M	-$87.21M	-$319.00K
Net Change in Cash	-$422.21M	-$151.94M	$77.61M	-$65.12M	$6.67M

Market Snapshot

About

WaFd, Inc., formerly Washington Federal, is a bank holding company operating community banks across the western United States. The company provides commercial and consumer banking services, residential and commercial real estate lending, and other financial products to individuals and businesses.