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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
11/06/2026: WAFD (2-star) is currently NOT-A-BUY. Pass it for now.
WaFd, Inc. is a well-established regional bank holding company that provides comprehensive banking, mortgage, and insurance services across the Western United States. Known for its conservative lending culture and stable capital structure, the firm has historically maintained steady operations and consistent dividend payouts. Its primary growth strategy involves selective acquisitions and geographic diversification into high-growth areas like California. However, the company faces risks from regional economic downturns, interest rate volatility, and intense competition from larger financial institutions. WaFd may be suitable for income-oriented and value-focused investors who prioritize long-term stability and are monitoring the successful integration of its recent expansion efforts.
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 | The company offers moderate growth, which may not satisfy investors seeking aggressive capital appreciation. |
| Momentum investor | Mixed fit | Momentum plays depend on positive upturn signals, and this stock often tracks broader regional bank sector sentiment. |
| Value investor | Strong fit | WaFd is often evaluated on its solid book value and steady earnings performance common in community banking. |
| Dividend investor | Strong fit | The company has a consistent track record of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The bank's conservative risk profile and emphasis on capital preservation appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and economic cycle shifts. |
| Valuation risk | Medium | The stock's valuation is tied to the market's assessment of regional banking outlooks. |
| Competition risk (Banking services) | High | The company faces intense pressure from large national banks and agile fintech startups. |
| Business quality | Medium | The franchise relies on localized success and careful credit risk management. |
| Dividend income | Low | Dividend reliability is supported by the company's long-standing operational history. |
| Execution risk | Medium | Integrating acquisitions like Luther Burbank effectively is crucial for achieving projected synergies. |
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 11/06/2026 |
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 9.17 | 1Y Target Price 31.75 |
Price to earnings Ratio 9.17 | 1Y Target Price 31.75 | ||
Volume (30-day avg) 971.6K shares | Beta 0.88 | 52 Weeks Range 28.10 - 39.19 | Updated Date 11/08/2026 |
52 Weeks Range 28.10 - 39.19 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.66% | Basic EPS (TTM) 3.21 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The bank primarily earns money from the spread between the interest it charges borrowers and the interest it pays to savers. |
| Non-Interest Income | Service fees, mortgage banking income, and other banking related charges. | Additional revenue is generated through fees for accounts, services, and mortgage processing. |
| Geographic Exposure | Pacific Northwest, Southwest, and California markets. | The bank's health is closely tied to the economic stability of these specific U.S. regions. |
Earnings Date
Report Date 2026-10-15 | When After Market | Estimate 0.84 | Actual 0.85 |
Profitability
Profit Margin 32.96% | Operating Margin (TTM) 42.56% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 8.47% |
Valuation
Trailing PE 9.17 | Forward PE 13.55 | Enterprise Value 4.27B | Price to Sales(TTM) 2.81 |
Enterprise Value 4.27B | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 6.18 | Enterprise Value to EBITDA - | Shares Outstanding 74.02M | Shares Floating 73.16M |
Shares Outstanding 74.02M | Shares Floating 73.16M | ||
Percent Insiders 1.69 | Percent Institutions 87.54 |
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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