16.77 USD
+0.21 (+1.27%)
We assign a fundamental rating of 5 out of 10 to WAFDP. WAFDP was compared to 387 industry peers in the Banks industry. While WAFDP seems to be doing ok healthwise, there are quite some concerns on its profitability. WAFDP is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
WAFDP had positive earnings in the past year.
WAFDP had a positive operating cash flow in the past year.
Each year in the past 5 years WAFDP has been profitable.
WAFDP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
WAFDP has a Return On Assets of 0.79%. This is comparable to the rest of the industry: WAFDP outperforms 41.86% of its industry peers.
WAFDP has a Return On Equity of 7.03%. This is in the lower half of the industry: WAFDP underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 7.03% | ||
| 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
WAFDP has a better Profit Margin (29.20%) than 77.00% of its industry peers.
WAFDP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for WAFDP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.2% | ||
| 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
WAFDP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WAFDP has been reduced compared to 1 year ago.
WAFDP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WAFDP is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of WAFDP is 0.20, which is an excellent value as it means it would take WAFDP, only 0.20 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.20, WAFDP belongs to the top of the industry, outperforming 86.30% of the companies in the same industry.
A Debt/Equity ratio of 0.02 indicates that WAFDP is not too dependend on debt financing.
WAFDP has a better Debt to Equity ratio (0.02) than 86.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WAFDP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.45%.
WAFDP 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, WAFDP shows a small growth in Revenue. The Revenue has grown by 0.55% in the last year.
Measured over the past years, WAFDP shows a small growth in Revenue. The Revenue has been growing by 5.45% on average per year.
EPS 1Y (TTM)6.45%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%1.41%
Revenue 1Y (TTM)0.55%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%-1.68%
3.2 Future
Based on estimates for the next years, WAFDP will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.84% on average per year.
WAFDP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.31% yearly.
EPS Next Y17.73%
EPS Next 2Y10.84%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.35 indicates a rather cheap valuation of WAFDP.
Based on the Price/Earnings ratio, WAFDP is valued cheaply inside the industry as 96.38% of the companies are valued more expensively.
WAFDP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
With a Price/Forward Earnings ratio of 5.40, the valuation of WAFDP can be described as very cheap.
96.38% of the companies in the same industry are more expensive than WAFDP, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of WAFDP to the average of the S&P500 Index (36.12), we can say WAFDP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.4 |
4.2 Price Multiples
91.21% of the companies in the same industry are more expensive than WAFDP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WAFDP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.36
PEG (5Y)1.07
EPS Next 2Y10.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
WAFDP has a Yearly Dividend Yield of 3.66%.
Compared to an average industry Dividend Yield of 3.33, WAFDP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, WAFDP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
5.2 History
On average, the dividend of WAFDP grows each year by 9.28%, which is quite nice.
WAFDP has been paying a dividend for over 5 years, so it has already some track record.
WAFDP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)9.28%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
46.83% of the earnings are spent on dividend by WAFDP. This is a bit on the high side, but may be sustainable.
The dividend of WAFDP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP46.83%
EPS Next 2Y10.84%
EPS Next 3YN/A
NASDAQ:WAFDP (11/26/2025, 8:08:42 PM)
16.77
+0.21 (+1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.64%
Inst Owner ChangeN/A
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap1.32B
Revenue(TTM)725.48M
Net Income(TTM)211.99M
Analysts48.89
Price Target17.1 (1.97%)
Short Float %0.01%
Short Ratio0.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
Yearly Dividend1.22
Dividend Growth(5Y)9.28%
DP46.83%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.75%
Min EPS beat(2)5.48%
Max EPS beat(2)10.01%
EPS beat(4)2
Avg EPS beat(4)-1.03%
Min EPS beat(4)-18.71%
Max EPS beat(4)10.01%
EPS beat(8)4
Avg EPS beat(8)-6.75%
EPS beat(12)6
Avg EPS beat(12)-4.55%
EPS beat(16)9
Avg EPS beat(16)-1.78%
Revenue beat(2)0
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-1.17%
Max Revenue beat(2)-0.03%
Revenue beat(4)0
Avg Revenue beat(4)-4.22%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)-0.03%
Revenue beat(8)1
Avg Revenue beat(8)-3.93%
Revenue beat(12)3
Avg Revenue beat(12)-0.98%
Revenue beat(16)7
Avg Revenue beat(16)2.1%
PT rev (1m)-4.1%
PT rev (3m)-3.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.4 | ||
| P/S | 1.82 | ||
| P/FCF | 5.24 | ||
| P/OCF | 4.78 | ||
| P/B | 0.44 | ||
| P/tB | 0.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.64
EY15.74%
EPS(NY)3.11
Fwd EY18.53%
FCF(TTM)3.2
FCFY19.08%
OCF(TTM)3.51
OCFY20.9%
SpS9.21
BVpS38.26
TBVpS32.62
PEG (NY)0.36
PEG (5Y)1.07
Graham Number47.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 7.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.2% | ||
| GM | N/A | ||
| FCFM | 34.73% |
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 | 0.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | -49.16% | ||
| Cap/Sales | 3.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 118.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.03%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.45%
EPS 3Y-8%
EPS 5Y5.92%
EPS Q2Q%1.41%
EPS Next Y17.73%
EPS Next 2Y10.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.55%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%-1.68%
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-37.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-35.08%
OCF growth 3YN/A
OCF growth 5YN/A
WAFD INC - WAFD 4 7/8 PERP / WAFDP FAQ
What is the ChartMill fundamental rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) stock?
ChartMill assigns a fundamental rating of 5 / 10 to WAFDP.
Can you provide the valuation status for WAFD INC - WAFD 4 7/8 PERP?
ChartMill assigns a valuation rating of 8 / 10 to WAFD INC - WAFD 4 7/8 PERP (WAFDP). This can be considered as Undervalued.
Can you provide the profitability details for WAFD INC - WAFD 4 7/8 PERP?
WAFD INC - WAFD 4 7/8 PERP (WAFDP) has a profitability rating of 3 / 10.
What is the financial health of WAFD INC - WAFD 4 7/8 PERP (WAFDP) stock?
The financial health rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) is 4 / 10.
How sustainable is the dividend of WAFD INC - WAFD 4 7/8 PERP (WAFDP) stock?
The dividend rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) is 6 / 10 and the dividend payout ratio is 46.83%.