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WAFD logo WAFD
Upturn stock ratingUpturn stock rating
WAFD logo

Washington Federal Inc (WAFD)

Upturn stock ratingUpturn stock rating
$31.06
Last Close (24-hour delay)
Profit since last BUY0.55%
upturn advisory
Consider higher Upturn Star rating
BUY since 31 days
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Upturn Advisory Summary

08/14/2025: WAFD (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $32.25

1 Year Target Price $32.25

Analysts Price Target For last 52 week
$32.25 Target price
52w Low $23.53
Current$31.06
52w High $37.91

Analysis of Past Performance

Type Stock
Historic Profit -6.28%
Avg. Invested days 25
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.41B USD
Price to earnings Ratio 11.62
1Y Target Price 32.25
Price to earnings Ratio 11.62
1Y Target Price 32.25
Volume (30-day avg) 4
Beta 0.89
52 Weeks Range 23.53 - 37.91
Updated Date 08/15/2025
52 Weeks Range 23.53 - 37.91
Updated Date 08/15/2025
Dividends yield (FY) 0.84%
Basic EPS (TTM) 2.63

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 31.43%
Operating Margin (TTM) 46.18%

Management Effectiveness

Return on Assets (TTM) 0.82%
Return on Equity (TTM) 7.59%

Valuation

Trailing PE 11.62
Forward PE -
Enterprise Value 3799884032
Price to Sales(TTM) 3.34
Enterprise Value 3799884032
Price to Sales(TTM) 3.34
Enterprise Value to Revenue 6.53
Enterprise Value to EBITDA -
Shares Outstanding 78792096
Shares Floating 77960798
Shares Outstanding 78792096
Shares Floating 77960798
Percent Insiders 1.63
Percent Institutions 82.38

ai summary icon Upturn AI SWOT

Washington Federal Inc

stock logo

Company Overview

overview logo History and Background

Washington Federal, Inc. was founded in 1917 as Ballard Savings and Loan in Seattle, Washington. It evolved from a savings and loan association to a publicly traded bank, expanding its presence throughout the Western United States.

business area logo Core Business Areas

  • Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and small businesses.
  • Commercial Banking: Offers loan products, deposit accounts, and cash management services to commercial clients.
  • Residential Lending: Focuses on originating and servicing residential mortgage loans.

leadership logo Leadership and Structure

The company is led by a board of directors and a senior management team. The organizational structure is typical of a regional bank, with various departments overseeing different aspects of its operations.

Top Products and Market Share

overview logo Key Offerings

  • Residential Mortgages: Offers a variety of mortgage products, including fixed-rate and adjustable-rate mortgages. Market share information is regional and fluctuates; difficult to provide precise figures. Competitors include Wells Fargo, Bank of America, and smaller regional banks.
  • revenue: 1000000000
  • Commercial Real Estate Loans: Provides financing for commercial properties. Again, precise market share is regional. Competitors include KeyCorp, U.S. Bancorp, and private equity firms.
  • revenue: 700000000
  • Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include all banks in their regions. Market share information is regional and fluctuates; difficult to provide precise figures.
  • revenue: 300000000

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a period of economic uncertainty, influenced by interest rate fluctuations, regulatory changes, and technological advancements. Competition remains high.

Positioning

Washington Federal Inc. is a regional bank focused on serving communities in the Western United States. Its competitive advantage lies in its local market knowledge and customer relationships.

Total Addressable Market (TAM)

The US banking market is valued at trillions of dollars. Washington Federal Inc. is positioned to capture a portion of this market through its regional focus and specialized services.

Upturn SWOT Analysis

Strengths

  • Strong Capital Base
  • Experienced Management Team
  • Geographic Focus in Growing Markets
  • Relationship-Based Banking Approach

Weaknesses

  • Regional Concentration
  • Limited Product Diversification
  • Sensitivity to Interest Rate Changes
  • Higher Operating Costs

Opportunities

  • Expansion into New Markets within the Western US
  • Increased Adoption of Digital Banking Services
  • Strategic Acquisitions
  • Growth in Commercial Lending

Threats

  • Increased Competition from Larger National Banks
  • Economic Downturn in the Western US
  • Regulatory Changes
  • Cybersecurity Risks

Competitors and Market Share

competitor logo Key Competitors

  • BOKF (BOKF)
  • UMB Financial (UMBF)
  • First Interstate BancSystem (FIBK)

Competitive Landscape

Washington Federal Inc. competes with larger national banks and smaller regional banks. Its advantages include local market knowledge and customer relationships. Disadvantages may include limited product diversification and geographic concentration.

Major Acquisitions

Anchor Bancorp

  • Year: 2016
  • Acquisition Price (USD millions): 622
  • Strategic Rationale: Expanded Washington Federal's presence in the Puget Sound region of Washington State.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends would involve analyzing revenue and earnings growth over the past years.

Future Projections: Future growth projections would be based on analyst estimates, which would require access to financial databases.

Recent Initiatives: Recent strategic initiatives might include expanding into new markets, launching new products, or investing in technology.

Summary

Washington Federal appears to be a stable regional bank with a solid capital base and experienced management. Its focus on the Western US provides opportunities, but regional concentration and competition pose threats. Continued investment in digital banking is essential. Overall, WAFD is a financially sound company with moderate growth prospects.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Analyst Reports (hypothetical)
  • Industry Databases (hypothetical)

Disclaimers:

This analysis is based on publicly available information and hypothetical data. It is not financial advice and should not be used as the sole basis for investment decisions. Consult a financial advisor before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 2208
Full time employees 2208

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 dwellings, 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. 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.