WaFd Inc. Common Stock (WAFD)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach WaFd as a conservative bank investor. It is a $2.2B market-cap regional bank holding company with 2,055 employees, earning from loans, deposits and related services. At the 2026-10-13 close of $29.34, FairStock's calculations show a P/E of 9.26, P/B of 0.80, dividend yield 3.68%, ROE 8.50%, and a FairStock Score 64/100. The price is modestly below book and below ten times earnings, which is the sort of starting point Graham liked. But the quality is mediocre: ROE is only 8.50%, ROCE 0.94%, and the Lynch classification is SLOW GROWER because profit grew 5.4% a year and revenue 4.6% over five years. Filed quarterly results show sequential improvement: net income rose from $64.2M in fiscal Q1 2026 (period ended 2025-12-31) to $65.5M in fiscal Q2 2026 (period ended 2026-03-31) to $66.1M in fiscal Q3 2026 (period ended 2026-06-30), with diluted EPS of $0.79, $0.82 and $0.84. FY2025 net income was $226.1M and diluted EPS $2.63, up from FY2024's $200.0M and $2.50, though FY2023 was stronger at $257.4M and $3.72. Piotroski 5/9 and PEG 1.37 suggest neither a bargain nor a compounder. The bank-specific data I want—CET1, net interest margin, credit costs, reserves—are absent. So it looks like a low-expectation, reasonably priced regional bank, not a wide-moat franchise.

In plain English: WaFd is a bank holding company that runs Washington Federal Bank, taking deposits and making loans. Profits are steady and have been rising slightly in recent quarters, but growth has been slow. At $29.34, the stock looks cheap compared with its profits and accounting value, though banks carry credit and interest-rate risks.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-06-30) · fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer