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Upturn AI SWOT - About
WAFD 
Washington Federal Inc (WAFD)
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Upturn Advisory Summary
10/14/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $32
1 Year Target Price $32
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.97% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.34B USD | Price to earnings Ratio 11 | 1Y Target Price 32 |
Price to earnings Ratio 11 | 1Y Target Price 32 | ||
Volume (30-day avg) 4 | Beta 0.87 | 52 Weeks Range 23.32 - 37.58 | Updated Date 10/14/2025 |
52 Weeks Range 23.32 - 37.58 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 0.90% | Basic EPS (TTM) 2.7 |
Earnings Date
Report Date 2025-10-15 | When After Market | Estimate 0.77 | 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 | Forward PE - | Enterprise Value 3730547200 | Price to Sales(TTM) 3.24 |
Enterprise Value 3730547200 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 6.4 | Enterprise Value to EBITDA - | Shares Outstanding 78792054 | Shares Floating 77929281 |
Shares Outstanding 78792054 | Shares Floating 77929281 | ||
Percent Insiders 1.64 | Percent Institutions 82.06 |
Upturn AI SWOT
Washington Federal Inc
Company Overview
History and Background
Washington Federal Inc. was founded in 1917 as Ballard Savings and Loan, later becoming Washington Federal. It has grown from a small savings and loan to a regional bank with a focus on serving communities in the Western U.S.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers commercial real estate loans, construction loans, and other financial services to businesses.
- Wealth Management: Provides investment management and financial planning services to high-net-worth individuals.
Leadership and Structure
Brent Beardall is the CEO. The organizational structure includes various departments such as retail banking, commercial lending, and wealth management, overseen by senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Washington Federal's primary product, focusing on lending to commercial real estate projects. Market share information is proprietary, but they are a significant player in the Western U.S. Competitors include larger national banks and other regional banks.
- Residential Mortgages: Offers various mortgage products to individuals. Market share is smaller compared to commercial real estate. Competitors include Wells Fargo, Bank of America, and Quicken Loans.
- Deposit Accounts: Provides checking, savings, and money market accounts to retail and commercial clients. Competitors include all major banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory pressures.
Positioning
Washington Federal positions itself as a relationship-focused bank, emphasizing customer service and community involvement. Its competitive advantage lies in its strong presence in the Western U.S. and its expertise in commercial real estate lending.
Total Addressable Market (TAM)
The TAM for banking services in the Western U.S. is estimated to be in the billions of dollars. Washington Federal is well-positioned to capture a portion of this market through its established presence and specialized lending services.
Upturn SWOT Analysis
Strengths
- Strong presence in the Western U.S.
- Expertise in commercial real estate lending
- Relationship-focused banking model
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Reliance on commercial real estate market
- Smaller scale compared to national banks
- Technology adoption lags some competitors
Opportunities
- Expansion into new markets in the Western U.S.
- Increased investment in technology
- Growth in wealth management services
- Acquisition of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in the real estate market
- Regulatory changes
Competitors and Market Share
Key Competitors
- KeyCorp (KEY)
- Umpqua Holdings Corp (UMPQ)
- Columbia Banking System Inc (COLB)
Competitive Landscape
Washington Federal competes primarily with other regional banks and larger national banks in the Western U.S. It differentiates itself through its relationship-focused approach and expertise in commercial real estate lending. Its smaller size can be a disadvantage compared to larger competitors with more resources.
Growth Trajectory and Initiatives
Historical Growth: Data is not available in real-time. Financial information can be found from credible sources and updated here.
Future Projections: Data is not available in real-time. Financial information can be found from credible sources and updated here.
Recent Initiatives: Data is not available in real-time. Financial information can be found from credible sources and updated here.
Summary
Washington Federal is a regional bank with a strong presence in the Western US, specializing in commercial real estate lending. Its relationship-focused approach is a key strength, but its smaller size and reliance on CRE present challenges. Growth opportunities lie in geographic expansion and technology investment. Potential threats include rising interest rates and increased fintech competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data may not be fully up-to-date.
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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