WaFd, Inc.

WAFD

$35.71

-0.15%

2026-09-01 10:43:44 EDT-$0.06

Financial Services

Banks - Regional

NASDAQ

Active Trading

WaFd, Inc. delivers a comprehensive suite of banking and financial services, encompassing lending, deposit accounts, and insurance, primarily catering to individual consumers. ...

Price Action of WAFD

$35.71

-0.15%-$0.06

High—

Low—

52W High-8.9%

Rel. vol—

Interval

Range6.4h

Volume—SMA5SMA10

—

WaFd, Inc., formerly known as Washington Federal, Inc., was founded in 1917 and is headquartered in Seattle, Washington. The company operates as a bank holding company with its primary subsidiary, WaFd Bank, which is a federally insured bank. WaFd Bank offers a wide range of banking products and services, including ...WaFd, Inc., formerly known as Washington Federal, Inc., was founded in 1917 and is headquartered in Seattle, Washington. The company operates as a bank holding company with its primary subsidiary, WaFd Bank, which is a federally insured bank. WaFd Bank offers a wide range of banking products and services, including checking and savings accounts, business banking, commercial financing, and residential and commercial real estate lending. The bank serves individual consumers, small to large businesses, and commercial real estate owners and developers across its network of over 200 branches in nine western states: Washington, Oregon, Idaho, Nevada, Utah, Arizona, New Mexico, Texas, and California (as per available data). As of 2024, the bank had approximately $27 billion in assets and employed around 2,037 full-time employees. The company is publicly traded on NASDAQ under the symbol WAFD, having been listed since November 1982. Financially, WaFd, Inc. shows a market capitalization of around $2.7 billion, with a price-to-earnings ratio of approximately 11.3 and a dividend yield of about 2.9%. The company has demonstrated solid operational performance with a return on equity of around 8.5% and a net profit margin of about 18.5%. Key executives include President and CEO Brent J. Beardall, who leads the company in its strategic vision of community-focused banking and financial services. The company's long-standing history, regional presence, and commitment to customer service position it as a significant player in the western U.S. banking market.ExpandCollapse

Founded

1917

Employees

1979

CEO

Brent J. Beardall

Full Name

WaFd, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

8.50%

Market Cap

$2.64B

Current Ratio

7.01

WACC

16.62%

ROIC

18.32%

Contact Information

https://www.wafdbank.com

206 624 7930

425 Pike Street, Seattle, WA 98101

Key Metrics of WAFD

Snapshot

Latest / TTM · 6 periods

Market Cap

$2.64B

ROCE

1.2%

EV / EBITDA

15.88x

-7.0% YoY

FCF Yield

8.5%

-0.0% YoY

Cash Conversion Cycle

26.1d

Current Ratio

7.01

Quick take

TTM —

Positive CCC

Financial Highlights of WAFD

Profitability trend

Latest / TTM · 6 periods

Gross Margin

54.9%

Net Margin

18.5%

P/E Ratio

11.00x

n/a

Debt / Equity

1.10

n/a

Current Ratio

7.01

Dividend Yield

3.0%

Understanding

TTM —

No major balance sheet stress in these headline ratios.

Calendar of WAFD

Upcoming

Sep 4, 2026Today
Dividend payment
$1.07 per share
Sep 30, 2026In 26 days
FY2026 · Estimated annual results
Est. EPS $3.29 · Revenue $793.05M · 3 analysts
Dec 30, 2026
Q1 FY2027 · Estimated results
Est. EPS $0.84 · Revenue $204.46M · 3 analysts
Mar 30, 2027
Q2 FY2027 · Estimated results
Est. EPS $0.81 · Revenue $202.69M · 1 analysts

Recent history

Aug 21, 2026
Ex-dividend date
$1.07 per share
Aug 4, 2026
Q3 FY2026 · Results reported
EPS $0.89 · Revenue $356.47M
View filing
May 5, 2026
Q2 FY2026 · Results reported
EPS $0.87 · Revenue $344.83M
View filing
Feb 4, 2026
Q1 FY2026 · Results reported
EPS $0.79 · Revenue $342.91M
View filing
Nov 18, 2025
FY2025 · Annual results
EPS $2.63 · Revenue $1.41B
View filing
Jun 30, 2025
Q3 FY2025 · Results reported
EPS $0.73 · Revenue $349.99M

Financial Statements of WAFD

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$1.4B	-1.6%	+3.4%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$226.1M	+13.0%	+0.9%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+50.9%	+3.5%	-2.8%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+20.5%	+14.9%	-2.6%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+16.0%	+14.8%	-2.4%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$208.2M	-49.8%	-6.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+14.8%	-49.0%	-9.8%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	59.8%	-45.9%	+5.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.15x	-37.9%	+19265.8%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$26.7B	-4.8%	+0.1%

Actual vs Estimate

A Sep 30Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	2.63 vs 2.70	-2.7%	0.89 vs 0.81	+9.2%
Revenue Surprise	$1.4B vs $729.8M	+93.2%	$356.5M vs $199.6M	+78.6%

Insider Transactions of WAFD

Acquisitions (A)

Since Jan 2, 2026

Disposals (D)

Since Jan 2, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Apr 24, 2026	Robison Kim E	officer: EVP & Chief Operations Officer	Common Stock	D	22,000	$35.28
Mar 2, 2026	Hill Erin	director	Common Stock	—	0	—
Feb 27, 2026	Hill Erin	director	Common Stock	—	0	—
Feb 27, 2026	Sanden Blayne	officer: SVP & PAO	Common Stock	D	46	$31.16
Feb 6, 2026	Cooper Cathy E	officer: EVP & Chief Consumer Banker	Common Stock	D	5,300	$33.77

Earnings Call Transcript of WAFD

1 transcript segments

Q3 2026

Unknown Speaker

Operator: Please be advised that today's conference is being recorded. I would like to hand the call over to Brad Goode, Chief Marketing Officer and Investor Relations Manager. Please go ahead. Brad Goode: Thank you, Michelle. Good morning, everybody. Thanks for joining us. Let's dive into our 2026 third quarter earnings report. You can find our earnings press release, along with our detailed fact sheet and investor scorecard on our website at wafdbank.com. During today's call, we will make forward-looking statements, which are subject to risks and uncertainties and are intended to be covered by the safe harbor provisions of federal securities law. Information on risk factors that could cause actual results to differ are available from the earnings press release that was released yesterday and the Form 10-K for the fiscal year ended September 30, 2025. Forward-looking statements are effective only as of the date they are made, WaFd assumes no obligation to update information concerning its expectations. We will also reference non-GAAP financial measures. I encourage you to review the non-GAAP reconciliations provided in our earnings materials. Brad Goode: With us this morning are President and CEO, Brent Beardall, Chief Financial Officer, Kelli Holz, and Chief Credit Officer, Ryan Mauer. I'd now like to hand the call over to Mr. Beardall. Brent Beardall: Thank you, Mr. Goode. Good morning, and thank you for joining us this morning. I am pleased to report on our third quarter results. It's also nice to see that the market has started to reward our shareholders with a significant uptick in our stock price over the last few months. This morning, we will cover four areas. First, Kelli Holz, our CFO, will provide you with a detailed review of our balance sheet and income statement for the quarter and all of the fluctuations. Second, Ryan Mauer, our Chief Credit Officer, will provide comments on the current status of our loan portfolio and credit quality trends. I will provide my insight on the quarter, potential for growth, capital management strategies, and regulatory developments. Finally, we will be happy to answer any questions you have. Kelli, please walk us through the third quarter results we published yesterday. Kelli Holz: Thank you, Brent. As announced, WaFd Inc. reported net income available to common shareholders of $62.5 million or $0.84 per diluted share for the quarter ended June 30, 2026. This compares to net income to common shareholders of $0.73 per share for the third quarter of fiscal 2025 and $0.82 per share for the March 2026 quarter. The $0.02 increase in earnings per share for the quarter was a result of a modest increase in net interest income and non-interest income, as well as controlled expenses, offset by an increased loan loss provision. For the balance sheet, loans receivable increased $51 million during the quarter, primarily due to an increase in our active loan types, which are commercial real estate, …

Leadership Team of WAFD

10 executives

Name	Title	Compensation	Gender	Year Born	Status
Brent J. Beardall	President, Chief Executive Officer & Vice Chairman	USD 2,255,218	Male	1971	Active
Ryan Mauer	Executive Vice President & Chief Credit Officer	USD 910,597	Male	1971	Active
Kim E. Robison	Executive Vice President & Chief Operating Officer	USD 906,210	Female	1970	Active
Kelli J. Holz	Executive Vice President & Chief Financial Officer	USD 899,325	Female	1969	Active
Cathy E. Cooper	Executive Vice President, Chief Experience Officer & Corporate Secretary	USD 890,317	Female	1966	Active
Brad Goode	Chief of Communications, Marketing & Community Relations and Senior Vice President	—	Male	—	Active
Lisa King	Senior Vice President of Human Resources	—	—	—	Active
Keith D. Taylor	Senior Vice President of Corporate Real Estate and Treasurer	—	Male	—	Active
Robert C. Zirk	Senior Vice President & Controller	—	Male	—	Active
Blayne Sanden	Senior Vice President & Principal Accounting Officer	—	Female	1977	Active

Recent News of WAFD

Seeking Alpha7/17/2026Neutral

WaFd, Inc. (WAFD) Q3 2026 Earnings Call Transcript

MarketBeat7/17/2026Neutral

WaFd Q3 Earnings Call Highlights

WaFd NASDAQ: WAFD reported higher fiscal third-quarter earnings as loan growth resumed across its active portfolios, expenses remained stable and credit costs increased amid continued pressure from elevated interest rates and economic uncertainty.

Zacks Investment Research7/17/2026Neutral

WAFD Q3 Earnings Lag on Higher Provisions & Expenses, Revenues Up Y/Y

WaFd's fiscal Q3 earnings miss estimates by a penny as provisions and expenses rise, despite higher net interest income, margins and non-interest income.

Zacks Investment Research7/16/2026Neutral

WaFd (WAFD) Reports Q3 Earnings: What Key Metrics Have to Say

The headline numbers for WaFd (WAFD) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Zacks Investment Research7/16/2026Neutral

WaFd (WAFD) Lags Q3 Earnings Estimates

WaFd (WAFD) came out with quarterly earnings of $0.81 per share, missing the Zacks Consensus Estimate of $0.82 per share. This compares to earnings of $0.73 per share a year ago.

Historical Employee Count of WAFD

Current

2,037

Change

-7.74%

Minimum

2,037

Maximum

2,208

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Sep 30, 2025	2,037	10-K	Nov 18, 2025	View
Sep 30, 2024	2,208	10-K	Nov 20, 2024	View
Sep 30, 2023	2,120	10-K	Nov 17, 2023	View
Sep 30, 2022	2,132	10-K	Nov 18, 2022	View
Sep 30, 2021	2,082	10-K	Nov 19, 2021	View

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WaFd, Inc.