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Upturn AI SWOT - About
WAFD 
Washington Federal Inc (WAFD)
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Upturn Advisory Summary
06/27/2025: WAFD (1-star) is currently NOT-A-BUY. Pass it for now.
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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $29.25
Year Target Price $29.25
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.79% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.35B USD | Price to earnings Ratio 10.94 | 1Y Target Price 29.5 |
Price to earnings Ratio 10.94 | 1Y Target Price 29.5 | ||
Volume (30-day avg) - | Beta 0.83 | 52 Weeks Range 23.53 - 37.91 | Updated Date 06/29/2025 |
52 Weeks Range 23.53 - 37.91 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.68% | Basic EPS (TTM) 2.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.41% | Operating Margin (TTM) 44.06% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 7.7% |
Valuation
Trailing PE 10.94 | Forward PE - | Enterprise Value 4113426944 | Price to Sales(TTM) 3.22 |
Enterprise Value 4113426944 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 7.45 | Enterprise Value to EBITDA - | Shares Outstanding 80158304 | Shares Floating 79327012 |
Shares Outstanding 80158304 | Shares Floating 79327012 | ||
Percent Insiders 1.61 | Percent Institutions 82.91 |
Analyst Ratings
Rating 3 | Target Price 29.25 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Washington Federal Inc
Company Overview
History and Background
Washington Federal, Inc. (WAFD) was founded in 1917 as Ballard Savings and Loan Association. Over the decades, it has grown organically and through acquisitions, evolving into a regional bank focused on providing banking services throughout the Western United States.
Core Business Areas
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Provides lending, treasury management, and other financial services to commercial clients.
- Real Estate Lending: Specializes in residential and commercial real estate loans.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a regional bank, with executive management overseeing various departments and regional operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products for homebuyers and homeowners. Market share varies by region. Competitors include Wells Fargo (WFC), U.S. Bancorp (USB), and Bank of America (BAC).
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share varies by region. Competitors include KeyCorp (KEY), Truist Financial (TFC) and PNC Financial Services (PNC).
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share is concentrated in the Western U.S. Competitors include Chase (JPM), U.S. Bank (USB) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory requirements. Consolidation and technological advancements are also key trends.
Positioning
Washington Federal positions itself as a strong, community-focused bank with a reputation for sound lending practices and customer service.
Total Addressable Market (TAM)
The total addressable market is the entire US banking sector, valued in the trillions. Washington Federal's TAM is the Western US banking market, positioning itself for localized success.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Experienced management team
- Customer focused
- Strong position in Western US
Weaknesses
- Limited geographic diversification
- Reliance on interest income
- Slower growth compared to national banks
- Less Tech focused than Fintech alternatives
- Smaller advertising budget
Opportunities
- Expanding into new markets within the Western US
- Acquiring smaller banks
- Increasing digital banking offerings
- Growing commercial lending portfolio
- Better serving specific communities with tailored offerings
Threats
- Rising interest rates
- Increased competition from online lenders
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- FFWM
- PACW
Competitive Landscape
Washington Federal competes with larger national banks and smaller regional banks. Its competitive advantages include its strong capital base and customer focus. Disadvantages include limited geographic diversification and slower growth.
Major Acquisitions
Anchor Bancorp
- Year: 2016
- Acquisition Price (USD millions): 636
- Strategic Rationale: Expanded Washington Federal's presence in the Puget Sound region of Washington State.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and acquisitions.
Future Projections: Future growth depends on economic conditions, interest rates, and the company's ability to execute its strategic initiatives. Need analyst estimates to provide projection.
Recent Initiatives: Recent initiatives include expanding digital banking services and increasing commercial lending.
Summary
Washington Federal is a financially sound regional bank with a focus on conservative lending practices and customer service. While it faces competition from larger national banks and online lenders, its strong capital base and experienced management team provide a solid foundation for future growth. Opportunities exist for expansion within the Western US and increased digital banking offerings. Potential threats include rising interest rates and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Third-party Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
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 2018 | Website https://www.wafdbank.com |
Full time employees 2018 | 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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