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Upturn AI Summary - About
WaFd, Inc.(WAFD)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for WAFD
10/09/2026: WAFD (3-star) is currently NOT-A-BUY. Pass it for now.
WaFd, Inc. is a long-standing regional bank holding company operating primarily in the Western United States. The company is characterized by a conservative underwriting culture and a focus on building long-term commercial and consumer relationships. Its recent acquisition of Luther Burbank Corporation serves as a primary growth driver, expanding its footprint into California. However, the company faces risks related to commercial real estate concentration and sensitivity to interest rate fluctuations, which can impact its margins. It is well-suited for value and dividend-focused investors, though market participants should monitor the successful integration of its recent acquisition and its responsiveness to broader economic cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely incremental and dependent on regional economic health rather than rapid disruption. |
| Momentum investor | Mixed fit | Performance is cyclical and highly sensitive to sector-wide interest rate sentiment rather than short-term price momentum. |
| Value investor | Strong fit | The stock often trades at valuations that reflect underlying book value, appealing to those seeking stable banking assets. |
| Dividend investor | Strong fit | WaFd's long-term commitment to consistent dividend payouts makes it attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the bank faces industry-specific volatility and commercial real estate risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks are sensitive to macro-economic reports and interest rate expectations. |
| Valuation risk | Medium | Valuation is tied to the broader banking sector multiples, which can fluctuate based on capital requirements. |
| Competition risk (National/Regional Banking) | High | Competition from larger players with more resources can pressure loan pricing and deposit costs. |
| Business quality | Medium | The franchise is stable and long-established, though exposed to regional economic downturns. |
| Dividend income | Low | The company has a consistent track record of paying dividends, providing reliable income. |
| Execution risk | Medium | Successful integration of acquired entities like Luther Burbank is critical to long-term performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 21.61% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.18B USD | Price to earnings Ratio 9.28 | 1Y Target Price 34.5 |
Price to earnings Ratio 9.28 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1.3M shares | Beta 0.88 | 52 Weeks Range 25.48 - 39.19 | Updated Date 10/09/2026 |
52 Weeks Range 25.48 - 39.19 | Updated Date 10/09/2026 | ||
Dividends yield (FY) 3.60% | Basic EPS (TTM) 3.17 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial and residential) minus interest paid on customer deposits. | The bank profits primarily by earning more on the loans it makes than it pays to deposit account holders. |
| Fee-Based Services | Service charges on deposit accounts, treasury management fees, and other banking services. | These represent recurring, non-interest revenue that stabilizes overall income. |
Earnings Date
Report Date 2026-10-15 | When After Market | Estimate 0.83 | Actual - |
Profitability
Profit Margin 33.7% | Operating Margin (TTM) 46.13% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 8.5% |
Valuation
Trailing PE 9.28 | Forward PE 13.55 | Enterprise Value 5.15B | Price to Sales(TTM) 2.86 |
Enterprise Value 5.15B | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 7.52 | Enterprise Value to EBITDA - | Shares Outstanding 74.01M | Shares Floating 73.10M |
Shares Outstanding 74.01M | Shares Floating 73.10M | ||
Percent Insiders 1.74 | Percent Institutions 88.17 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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