Stock Scorecard
Stock Summary for WaFd Inc (WAFD) - $31.99 as of 12/9/2025 9:38:43 PM EST
Total Score
17 out of 30
Safety Score
62 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for WAFD
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for WAFD
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for WAFD
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for WAFD
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for WAFD (62 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Financial Details for WAFD
Company Overview |
|
|---|---|
| Ticker | WAFD |
| Company Name | WaFd Inc |
| Country | USA |
| Description | Washington Federal, Inc. is a prominent banking holding company headquartered in Seattle, Washington, operating through its subsidiary, Washington Federal Bank, a National Association. The company provides a diverse array of financial services, including residential and commercial lending, deposit products, and insurance solutions, primarily targeting individuals and businesses across the western United States. With a strong focus on community-oriented banking and a commitment to exemplary customer service, Washington Federal is strategically positioned to leverage growth opportunities in a dynamic financial environment while adhering to robust risk management practices. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/15/2026 |
Stock Price History |
|
| Last Day Price | 31.99 |
| Price 4 Years Ago | 29.26 |
| Last Day Price Updated | 12/9/2025 9:38:43 PM EST |
| Last Day Volume | 467,233 |
| Average Daily Volume | 773,316 |
| 52-Week High | 35.17 |
| 52-Week Low | 23.12 |
| Last Price to 52 Week Low | 38.37% |
Valuation Measures |
|
| Trailing PE | 12.27 |
| Industry PE | 18.05 |
| Sector PE | 24.18 |
| 5-Year Average PE | 10.44 |
| Free Cash Flow Ratio | 3.73 |
| Industry Free Cash Flow Ratio | 6.59 |
| Sector Free Cash Flow Ratio | 39.35 |
| Current Ratio Most Recent Quarter | 0.15 |
| Total Cash Per Share | 8.57 |
| Book Value Per Share Most Recent Quarter | 35.04 |
| Price to Book Ratio | 0.90 |
| Industry Price to Book Ratio | 1.14 |
| Sector Price to Book Ratio | 1.92 |
| Price to Sales Ratio Twelve Trailing Months | 3.54 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.88 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 76,701,000 |
| Market Capitalization | 2,453,664,990 |
| Institutional Ownership | 81.79% |
Dividends |
|
| Ex-Dividend Date | 11/21/2025 |
| Previous Dividend Amount | 0.2700 |
| Current Dividend Amount | 0.2700 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.08 |
| Trailing Annual Dividend Yield | 3.36% |
| Forward Annual Dividend Rate | 1.08 |
| Forward Annual Dividend Yield | 3.36% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.32% |
| 5-Year Average Dividend Yield | 3.25% |
| 1-Year Dividend Growth Rate Percentage | 3.85% |
| 3-Year Dividend Growth Rate Percentage | 3.92% |
| 5-Year Dividend Growth Rate Percentage | 4.09% |
| All-Time Dividend Growth Rate Percentage | 10.64% |
| Dividend Payout Ratio | 41.06% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 1.90% |
| Annual Earnings Growth | 13.01% |
| Reported EPS 12 Trailing Months | 2.63 |
| Reported EPS Past Year | 2.72 |
| Reported EPS Prior Year | 2.46 |
| Net Income Twelve Trailing Months | 226,068,000 |
| Net Income Past Year | 226,068,000 |
| Net Income Prior Year | 200,041,000 |
| Quarterly Revenue Growth YOY | -1.80% |
| 5-Year Revenue Growth | 0.27% |
| Operating Margin Twelve Trailing Months | 44.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 657,310,000 |
| Total Cash Past Year | 657,310,000 |
| Total Cash Prior Year | 2,381,102,000 |
| Net Cash Position Most Recent Quarter | 587,102,000 |
| Net Cash Position Past Year | 587,102,000 |
| Long Term Debt Past Year | 70,208,000 |
| Long Term Debt Prior Year | 3,318,307,000 |
| Total Debt Most Recent Quarter | 70,208,000 |
| Equity to Debt Ratio Past Year | 0.98 |
| Equity to Debt Ratio Most Recent Quarter | 0.98 |
| Total Stockholder Equity Past Year | 3,039,575,000 |
| Total Stockholder Equity Prior Year | 3,000,300,000 |
| Total Stockholder Equity Most Recent Quarter | 3,039,575,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 208,245,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.72 |
| Free Cash Flow Past Year | 208,245,000 |
| Free Cash Flow Prior Year | 414,552,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.68 |
| MACD Signal | 0.56 |
| 20-Day Bollinger Lower Band | 27.67 |
| 20-Day Bollinger Middle Band | 30.19 |
| 20-Day Bollinger Upper Band | 32.71 |
| Beta | 0.87 |
| RSI | 64.50 |
| 50-Day SMA | 29.09 |
| 150-Day SMA | 28.55 |
| 200-Day SMA | 28.84 |
System |
|
| Modified | 12/9/2025 12:24:24 PM EST |