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Washington Federal Inc (WAFD)



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Upturn Advisory Summary
08/14/2025: WAFD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $32.25
1 Year Target Price $32.25
0 | Strong Buy |
0 | Buy |
4 | Hold |
0 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Washington Federal Inc

Company Overview
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.
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 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
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
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
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.
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 2208 | Website https://www.wafdbank.com |
Full time employees 2208 | 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 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.

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