WAFD INC - WAFD 4 7/8 PERP (WAFDP) Stock Fundamental Analysis

NASDAQ:WAFDP • US9388243076

16.95 USD
+0.09 (+0.53%)
Last: Feb 26, 2026, 05:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall WAFDP gets a fundamental rating of 5 out of 10. We evaluated WAFDP against 379 industry peers in the Banks industry. WAFDP scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. A decent growth rate in combination with a cheap valuation! Better keep an eye on WAFDP.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year WAFDP was profitable.
  • WAFDP had a positive operating cash flow in the past year.
  • WAFDP had positive earnings in each of the past 5 years.
  • WAFDP had a positive operating cash flow in each of the past 5 years.
WAFDP Yearly Net Income VS EBIT VS OCF VS FCFWAFDP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of WAFDP (0.84%) is comparable to the rest of the industry.
  • WAFDP has a Return On Equity of 7.54%. This is in the lower half of the industry: WAFDP underperforms 62.27% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 7.54%
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
WAFDP Yearly ROA, ROE, ROICWAFDP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • WAFDP has a better Profit Margin (30.62%) than 80.47% 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 RankSector Rank
OM N/A
PM (TTM) 30.62%
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
WAFDP Yearly Profit, Operating, Gross MarginsWAFDP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • WAFDP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • WAFDP has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for WAFDP has been increased compared to 5 years ago.
  • Compared to 1 year ago, WAFDP has a worse debt to assets ratio.
WAFDP Yearly Shares OutstandingWAFDP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
WAFDP Yearly Total Debt VS Total AssetsWAFDP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • WAFDP has a debt to FCF ratio of 0.24. This is a very positive value and a sign of high solvency as it would only need 0.24 years to pay back of all of its debts.
  • WAFDP has a better Debt to FCF ratio (0.24) than 85.75% of its industry peers.
  • WAFDP has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • WAFDP's Debt to Equity ratio of 0.02 is amongst the best of the industry. WAFDP outperforms 86.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC19.27%
WAFDP Yearly LT Debt VS Equity VS FCFWAFDP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WAFDP Yearly Current Assets VS Current LiabilitesWAFDP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.18% over the past year.
  • The Earnings Per Share has been growing slightly by 5.92% on average over the past years.
  • WAFDP shows a small growth in Revenue. In the last year, the Revenue has grown by 2.68%.
  • WAFDP 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)2.68%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%10.09%

3.2 Future

  • WAFDP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.83% yearly.
  • Based on estimates for the next years, WAFDP will show a small growth in Revenue. The Revenue will grow by 5.03% on average per year.
EPS Next Y19.37%
EPS Next 2Y11.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y5.03%
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 stable: in the next years the growth will be about the same than in the last years.
WAFDP Yearly Revenue VS EstimatesWAFDP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
WAFDP Yearly EPS VS EstimatesWAFDP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.87, which indicates a rather cheap valuation of WAFDP.
  • Based on the Price/Earnings ratio, WAFDP is valued cheaply inside the industry as 96.57% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of WAFDP to the average of the S&P500 Index (27.21), we can say WAFDP is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.13, the valuation of WAFDP can be described as very cheap.
  • 97.10% of the companies in the same industry are more expensive than WAFDP, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, WAFDP is valued rather cheaply.
Industry RankSector Rank
PE 5.87
Fwd PE 5.13
WAFDP Price Earnings VS Forward Price EarningsWAFDP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 91.03% of the companies in the same industry are more expensive than WAFDP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.97
EV/EBITDA N/A
WAFDP Per share dataWAFDP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.3
PEG (5Y)0.99
EPS Next 2Y11.83%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • WAFDP has a Yearly Dividend Yield of 3.31%.
  • WAFDP's Dividend Yield is a higher than the industry average which is at 2.74.
  • WAFDP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.31%

5.2 History

  • The dividend of WAFDP is nicely growing with an annual growth rate of 7.73%!
  • 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)7.73%
Div Incr Years0
Div Non Decr Years3
WAFDP Yearly Dividends per shareWAFDP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • WAFDP pays out 43.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of WAFDP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.22%
EPS Next 2Y11.83%
EPS Next 3YN/A
WAFDP Yearly Income VS Free CF VS DividendWAFDP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
WAFDP Dividend Payout.WAFDP Dividend Payout, showing the Payout Ratio.WAFDP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

WAFD INC - WAFD 4 7/8 PERP

NASDAQ:WAFDP (2/26/2026, 5:03:31 PM)

16.95

+0.09 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15
Earnings (Next)04-09
Inst Owners81.88%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap1.29B
Revenue(TTM)745.72M
Net Income(TTM)228.37M
Analysts48.89
Price Target17.06 (0.65%)
Short Float %0.04%
Short Ratio0.95
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend1.25
Dividend Growth(5Y)7.73%
DP43.22%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.78%
Min EPS beat(2)-8.42%
Max EPS beat(2)2.86%
EPS beat(4)3
Avg EPS beat(4)2.48%
Min EPS beat(4)-8.42%
Max EPS beat(4)10.01%
EPS beat(8)4
Avg EPS beat(8)-5.91%
EPS beat(12)5
Avg EPS beat(12)-6.67%
EPS beat(16)8
Avg EPS beat(16)-2.97%
Revenue beat(2)0
Avg Revenue beat(2)-7.32%
Min Revenue beat(2)-11.1%
Max Revenue beat(2)-3.53%
Revenue beat(4)0
Avg Revenue beat(4)-3.96%
Min Revenue beat(4)-11.1%
Max Revenue beat(4)-0.03%
Revenue beat(8)1
Avg Revenue beat(8)-4.17%
Revenue beat(12)1
Avg Revenue beat(12)-4.32%
Revenue beat(16)5
Avg Revenue beat(16)-0.37%
PT rev (1m)3.82%
PT rev (3m)-0.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.41%
EPS NY rev (1m)0.24%
EPS NY rev (3m)1.39%
Revenue NQ rev (1m)-7.25%
Revenue NQ rev (3m)-7.76%
Revenue NY rev (1m)-7.6%
Revenue NY rev (3m)-8.8%
Valuation
Industry RankSector Rank
PE 5.87
Fwd PE 5.13
P/S 1.72
P/FCF 5.97
P/OCF 5.18
P/B 0.42
P/tB 0.5
EV/EBITDA N/A
EPS(TTM)2.89
EY17.05%
EPS(NY)3.3
Fwd EY19.48%
FCF(TTM)2.84
FCFY16.74%
OCF(TTM)3.27
OCFY19.29%
SpS9.83
BVpS39.93
TBVpS34.09
PEG (NY)0.3
PEG (5Y)0.99
Graham Number50.96
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 7.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.62%
GM N/A
FCFM 28.87%
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 RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Debt/EBITDA N/A
Cap/Depr 336.51%
Cap/Sales 4.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.27%
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 Y19.37%
EPS Next 2Y11.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.68%
Revenue growth 3Y3.15%
Revenue growth 5Y5.45%
Sales Q2Q%10.09%
Revenue Next Year5.92%
Revenue Next 2Y5.03%
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-9.18%
FCF growth 3Y-6.74%
FCF growth 5Y9.1%
OCF growth 1Y-3.92%
OCF growth 3Y-4.08%
OCF growth 5Y7.3%

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.


What is the valuation status for WAFDP stock?

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.


Is the dividend of WAFD INC - WAFD 4 7/8 PERP sustainable?

The dividend rating of WAFD INC - WAFD 4 7/8 PERP (WAFDP) is 6 / 10 and the dividend payout ratio is 43.22%.