32.39 USD
-1.34 (-3.97%)
32.39 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to WAFD. WAFD was compared to 383 industry peers in the Banks industry. The financial health of WAFD is average, but there are quite some concerns on its profitability. WAFD has a correct valuation and a medium growth rate. Finally WAFD also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- WAFD had positive earnings in the past year.
- WAFD had a positive operating cash flow in the past year.
- Each year in the past 5 years WAFD has been profitable.
- WAFD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- WAFD's Return On Assets of 0.79% is in line compared to the rest of the industry. WAFD outperforms 40.73% of its industry peers.
- WAFD has a Return On Equity of 6.96%. This is in the lower half of the industry: WAFD underperforms 66.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.96% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.9%
ROE(3y)7.71%
ROE(5y)8.21%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- WAFD has a Profit Margin of 29.15%. This is in the better half of the industry: WAFD outperforms 75.46% of its industry peers.
- WAFD's Profit Margin has been stable in the last couple of years.
- The Operating Margin and Gross Margin are not available for WAFD so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.57%
PM growth 5Y-1.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- WAFD does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for WAFD has been reduced compared to 1 year ago.
- The number of shares outstanding for WAFD has been increased compared to 5 years ago.
- WAFD has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of WAFD is 0.25, which is an excellent value as it means it would take WAFD, only 0.25 years of fcf income to pay off all of its debts.
- WAFD has a better Debt to FCF ratio (0.25) than 85.12% of its industry peers.
- A Debt/Equity ratio of 0.02 indicates that WAFD is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.02, WAFD belongs to the top of the industry, outperforming 86.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 33.18% over the past year.
- WAFD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.92% yearly.
- Looking at the last year, WAFD shows a small growth in Revenue. The Revenue has grown by 0.55% in the last year.
- WAFD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.45% yearly.
EPS 1Y (TTM)33.18%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%46.3%
Revenue 1Y (TTM)0.55%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%23.12%
3.2 Future
- WAFD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.38% yearly.
- WAFD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.31% yearly.
EPS Next Y19.08%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.14%
Revenue Next 2Y10.31%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.21, which indicates a very decent valuation of WAFD.
- Based on the Price/Earnings ratio, WAFD is valued a bit cheaper than 68.67% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. WAFD is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 9.71 indicates a reasonable valuation of WAFD.
- 66.06% of the companies in the same industry are more expensive than WAFD, based on the Price/Forward Earnings ratio.
- WAFD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of WAFD is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- WAFD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as WAFD's earnings are expected to grow with 12.38% in the coming years.
PEG (NY)0.59
PEG (5Y)1.89
EPS Next 2Y12.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- WAFD has a Yearly Dividend Yield of 3.20%.
- Compared to an average industry Dividend Yield of 2.88, WAFD pays a bit more dividend than its industry peers.
- WAFD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
5.2 History
- The dividend of WAFD is nicely growing with an annual growth rate of 7.73%!
- WAFD has been paying a dividend for at least 10 years, so it has a reliable track record.
- WAFD has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.73%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
- WAFD pays out 46.95% of its income as dividend. This is a bit on the high side, but may be sustainable.
- WAFD's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.95%
EPS Next 2Y12.38%
EPS Next 3YN/A
32.39
-1.34 (-3.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15 2026-01-15/amc
Earnings (Next)04-09 2026-04-09
Inst Owners81.88%
Inst Owner Change0.42%
Ins Owners0.96%
Ins Owner Change4.66%
Market Cap2.48B
Revenue(TTM)725.48M
Net Income(TTM)211.44M
Analysts48.89
Price Target32.26 (-0.4%)
Short Float %3.12%
Short Ratio3.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
Yearly Dividend1.25
Dividend Growth(5Y)7.73%
DP46.95%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.47%
Min EPS beat(2)-8.42%
Max EPS beat(2)5.48%
EPS beat(4)2
Avg EPS beat(4)-2.91%
Min EPS beat(4)-18.71%
Max EPS beat(4)10.01%
EPS beat(8)4
Avg EPS beat(8)-5.19%
EPS beat(12)5
Avg EPS beat(12)-6.56%
EPS beat(16)8
Avg EPS beat(16)-3.06%
Revenue beat(2)0
Avg Revenue beat(2)-2.35%
Min Revenue beat(2)-3.53%
Max Revenue beat(2)-1.17%
Revenue beat(4)0
Avg Revenue beat(4)-3.96%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)-0.03%
Revenue beat(8)1
Avg Revenue beat(8)-3.96%
Revenue beat(12)2
Avg Revenue beat(12)-2.75%
Revenue beat(16)6
Avg Revenue beat(16)1.04%
PT rev (1m)2.02%
PT rev (3m)-1.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.33%
EPS NY rev (1m)0.85%
EPS NY rev (3m)-1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 9.71 | ||
| P/S | 3.42 | ||
| P/FCF | 11.93 | ||
| P/OCF | 10.48 | ||
| P/B | 0.82 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.89
EY8.92%
EPS(NY)3.33
Fwd EY10.29%
FCF(TTM)2.72
FCFY8.38%
OCF(TTM)3.09
OCFY9.54%
SpS9.46
BVpS39.63
TBVpS33.87
PEG (NY)0.59
PEG (5Y)1.89
Graham Number50.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.96% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.15% | ||
| GM | N/A | ||
| FCFM | 28.7% |
ROA(3y)0.84%
ROA(5y)0.9%
ROE(3y)7.71%
ROE(5y)8.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.57%
PM growth 5Y-1.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.25 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 295.4% | ||
| Cap/Sales | 3.96% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 98.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.57%
ROIC/WACCN/A
Cap/Depr(3y)126.46%
Cap/Depr(5y)96.96%
Cap/Sales(3y)3.14%
Cap/Sales(5y)3.28%
Profit Quality(3y)134.66%
Profit Quality(5y)136.79%
High Growth Momentum
Growth
EPS 1Y (TTM)33.18%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%46.3%
EPS Next Y19.08%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.55%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%23.12%
Revenue Next Year16.14%
Revenue Next 2Y10.31%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.77%
FCF growth 3Y-6.74%
FCF growth 5Y9.1%
OCF growth 1Y-46.05%
OCF growth 3Y-4.08%
OCF growth 5Y7.3%
WAFD INC / WAFD FAQ
Can you provide the ChartMill fundamental rating for WAFD INC?
ChartMill assigns a fundamental rating of 4 / 10 to WAFD.
What is the valuation status of WAFD INC (WAFD) stock?
ChartMill assigns a valuation rating of 5 / 10 to WAFD INC (WAFD). This can be considered as Fairly Valued.
Can you provide the profitability details for WAFD INC?
WAFD INC (WAFD) has a profitability rating of 3 / 10.
How financially healthy is WAFD INC?
The financial health rating of WAFD INC (WAFD) is 4 / 10.
What is the expected EPS growth for WAFD INC (WAFD) stock?
The Earnings per Share (EPS) of WAFD INC (WAFD) is expected to grow by 19.08% in the next year.