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WAFD 
Washington Federal Inc (WAFD)
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Upturn Advisory Summary
01/09/2026: WAFD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $33.12
1 Year Target Price $33.12
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.74% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.53B USD | Price to earnings Ratio 12.54 | 1Y Target Price 33.12 |
Price to earnings Ratio 12.54 | 1Y Target Price 33.12 | ||
Volume (30-day avg) 4 | Beta 0.85 | 52 Weeks Range 23.12 - 33.92 | Updated Date 01/9/2026 |
52 Weeks Range 23.12 - 33.92 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 3.19% | Basic EPS (TTM) 2.63 |
Earnings Date
Report Date 2026-01-14 | When Before Market | Estimate 0.7625 | Actual - |
Profitability
Profit Margin 31.5% | Operating Margin (TTM) 44.63% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 7.49% |
Valuation
Trailing PE 12.54 | Forward PE - | Enterprise Value 3963009024 | Price to Sales(TTM) 3.52 |
Enterprise Value 3963009024 | Price to Sales(TTM) 3.52 | ||
Enterprise Value to Revenue 6.45 | Enterprise Value to EBITDA - | Shares Outstanding 76434807 | Shares Floating 75760648 |
Shares Outstanding 76434807 | Shares Floating 75760648 | ||
Percent Insiders 1.67 | Percent Institutions 81.61 |
Upturn AI SWOT
Washington Federal Inc
Company Overview
History and Background
Washington Federal Inc. was founded in 1969 as Washington Mutual Savings Bank. It has grown from a single branch in Seattle, Washington, to a diversified financial institution operating primarily in the western United States. The company rebranded to Washington Federal in 2000. Key milestones include its expansion into new markets through organic growth and strategic acquisitions.
Core Business Areas
- Community Banking: Provides a full range of consumer and commercial banking services, including checking and savings accounts, money market accounts, certificates of deposit, commercial loans, construction loans, and small business loans. Focuses on personalized service and community involvement.
- Mortgage Banking: Originates and sells residential mortgage loans. This segment allows the company to serve a broader customer base and generate fee income. Washington Federal primarily originates conforming loans and also handles portfolio lending.
Leadership and Structure
Washington Federal Inc. operates as a holding company for Washington Federal Bank. The leadership team comprises experienced banking professionals responsible for strategic direction and operational oversight. The organizational structure is designed to support its community banking and mortgage operations across its service regions.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: A core offering for individuals and businesses, providing basic deposit functionalities. Competitors include national banks, regional banks, and credit unions. Market share data is not publicly disclosed at the product level.
- Residential Mortgage Loans: Offers a variety of mortgage products for home purchases and refinances. Key competitors include large national mortgage lenders, other regional banks, and specialized mortgage companies. Market share for this specific product line within the broader mortgage market is not publicly available.
- Commercial Loans: Provides financing solutions for small and medium-sized businesses, including term loans and lines of credit. Competitors range from large commercial banks to community banks and credit unions. Specific market share for this product is not disclosed.
Market Dynamics
Industry Overview
The banking industry in the US is highly competitive, characterized by a mix of large national banks, regional banks, and community banks. Key trends include digital transformation, evolving regulatory landscapes, interest rate sensitivity, and the increasing demand for personalized financial services. The mortgage market is influenced by housing trends, interest rates, and economic conditions.
Positioning
Washington Federal Inc. positions itself as a community-focused bank with a strong regional presence in the western United States. Its competitive advantages include a long-standing reputation, personalized customer service, and a diversified product offering encompassing both traditional banking and mortgage services. It competes by offering tailored solutions and building strong customer relationships.
Total Addressable Market (TAM)
The TAM for the US banking and mortgage market is in the trillions of dollars. Washington Federal Inc. operates within specific geographic regions and segments of this market. Its positioning is as a significant regional player within its operational footprint, rather than a dominant national entity, focusing on capturing a substantial portion of the TAM within its chosen markets.
Upturn SWOT Analysis
Strengths
- Strong regional brand recognition and customer loyalty in its core markets.
- Diversified revenue streams from both deposit-taking and mortgage origination.
- Experienced management team with a deep understanding of regional markets.
- Solid capital base and prudent risk management practices.
Weaknesses
- Limited geographic diversification compared to larger national banks.
- Potential for slower adoption of cutting-edge digital banking technologies compared to fintechs and larger institutions.
- Reliance on interest rate sensitive mortgage origination business.
Opportunities
- Expansion into adjacent geographic markets or complementary service offerings.
- Leveraging technology to enhance digital customer experience and operational efficiency.
- Growth in the housing market and opportunities for mortgage refinancing.
- Potential for strategic partnerships or acquisitions to expand market reach or capabilities.
Threats
- Intensifying competition from national banks, credit unions, and fintech companies.
- Rising interest rates could dampen mortgage demand and increase funding costs.
- Economic downturns impacting loan demand and increasing credit risk.
- Increasing regulatory burdens and compliance costs.
Competitors and Market Share
Key Competitors
- Zions Bancorporation (ZION)
- Umpqua Holdings Corporation (UMPQ)
- Columbia Banking System Inc. (COLB)
Competitive Landscape
Washington Federal Inc. faces strong competition from larger regional banks and national institutions that often have greater resources for technology investment and marketing. Its advantage lies in its deep community roots, personalized service, and ability to be nimble in its decision-making. However, it must continuously innovate to keep pace with digital advancements and evolving customer expectations.
Growth Trajectory and Initiatives
Historical Growth: Washington Federal Inc. has experienced steady growth over the years, primarily through organic expansion of its branch network and loan portfolios, complemented by strategic acquisitions. Its growth has been consistent with the economic development of the regions it serves.
Future Projections: Future growth projections for Washington Federal Inc. are typically based on analyst estimates that consider factors such as interest rate outlooks, regional economic conditions, housing market trends, and the company's ability to execute its strategic initiatives. Analysts may project moderate revenue and earnings growth.
Recent Initiatives: Recent strategic initiatives might include investments in digital banking platforms, expansion into new markets, optimization of operational processes, and potentially strategic mergers or acquisitions to enhance market position or capabilities.
Summary
Washington Federal Inc. is a well-established community bank with a solid regional presence. Its strengths lie in its strong customer relationships and diversified offerings in banking and mortgages. However, it faces intense competition and the challenges of digital transformation. Continued investment in technology and strategic expansion will be crucial for sustained growth in a dynamic financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Financial Data Aggregators (e.g., Yahoo Finance, Google Finance)
- Industry Research Reports
Disclaimers:
This JSON output is generated based on publicly available information and aims to provide a structured overview. It is not financial advice, and readers should conduct their own due diligence before making investment decisions. Market share data and competitor analysis are estimates and may vary.
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 1979 | Website https://www.wafdbank.com |
Full time employees 1979 | 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 residential, 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. Additionally, it provides technology and data services; and personalized financial guidance and investment services. 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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