Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
WAFD 
Washington Federal Inc (WAFD)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
11/28/2025: WAFD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $31
1 Year Target Price $31
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.69% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.49B USD | Price to earnings Ratio 12.04 | 1Y Target Price 31 |
Price to earnings Ratio 12.04 | 1Y Target Price 31 | ||
Volume (30-day avg) 4 | Beta 0.88 | 52 Weeks Range 23.12 - 35.36 | Updated Date 11/30/2025 |
52 Weeks Range 23.12 - 35.36 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 2.63 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.5% | Operating Margin (TTM) 44.63% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 7.49% |
Valuation
Trailing PE 12.04 | Forward PE - | Enterprise Value 3862530816 | Price to Sales(TTM) 3.48 |
Enterprise Value 3862530816 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 6.27 | Enterprise Value to EBITDA - | Shares Outstanding 76701002 | Shares Floating 75793629 |
Shares Outstanding 76701002 | Shares Floating 75793629 | ||
Percent Insiders 1.74 | Percent Institutions 81.74 |
Upturn AI SWOT
Washington Federal Inc
Company Overview
History and Background
Washington Federal, Inc. was founded in 1917 as Ballard Savings and Loan. It evolved from a savings and loan institution to a full-service bank, experiencing growth and acquisitions over the years.
Core Business Areas
- Retail Banking: Provides deposit accounts, loans, and other banking services to individuals and small businesses.
- Commercial Banking: Offers commercial real estate lending, construction lending, and other business banking solutions.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The company is led by a Board of Directors and a senior management team. The structure is hierarchical, with various departments responsible for specific functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data specific to WaFd is difficult to pinpoint precisely, but commercial real estate lending is a highly competitive market with numerous national and regional players. Competitors include Bank of America, Wells Fargo, and regional banks like Umpqua Bank.
- Single-Family Residential Loans: Mortgages for purchasing or refinancing homes. WaFd's market share is dependent on the region. Competitors include Rocket Mortgage, PennyMac and various regional and local mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. These services are offered to attract customers for their loan services. Competitors include Bank of America, Chase, US Bank and others.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing challenges from fintech companies and changing customer preferences. Interest rates, economic conditions, and regulatory policies significantly impact the industry.
Positioning
Washington Federal positions itself as a strong, stable regional bank with a focus on relationship banking and commercial real estate lending. Its competitive advantages include its strong capital position and experienced management team.
Total Addressable Market (TAM)
The TAM for banking services encompasses all potential deposit and loan customers in the regions WaFd serves. This is a multi-trillion dollar market. WaFd targets segments with conservative lending practices and relationship banking.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Experienced management team
- Focus on commercial real estate lending
- Conservative lending practices
- Strong regulatory compliance
Weaknesses
- Limited geographic diversification
- Reliance on commercial real estate lending
- Smaller scale compared to national banks
- Slower to adopt new technology compared to Fintech companies.
Opportunities
- Expansion into new geographic markets
- Increased investment in technology
- Growth in wealth management services
- Acquisition of smaller banks
- Expansion of digital banking offerings
Threats
- Rising interest rates
- Economic downturn
- Increased competition from fintech companies
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BANC
- UMPQ
- MTB
Competitive Landscape
Washington Federal competes primarily on relationship banking and localized services, differentiating itself from larger national banks but facing challenges from fintech innovations.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future projections are dependent on economic conditions and management's strategic execution.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on sustainable lending practices.
Summary
Washington Federal is a regional bank with a strong focus on commercial real estate lending. Its conservative approach contributes to stability, while its limited geographic reach and reliance on traditional banking present challenges. Expanding into digital and sustainable initiatives may drive future growth, but competitive pressures from larger institutions and fintech must be addressed.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Washington Federal Inc
Exchange NASDAQ | Headquaters Seattle, WA, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Vice Chairman Mr. Brent J. Beardall CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1979 | Website https://www.wafdbank.com |
Full time employees 1979 | Website https://www.wafdbank.com | ||
WaFd, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company provides deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It offers single-family residential, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. Additionally, it provides technology and data services; and personalized financial guidance and investment services. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc. in September 2023. WaFd, Inc. was founded in 1917 and is headquartered in Seattle, Washington.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.