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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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| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
| Income before tax | 289.64M | 256.06M | 325.08M | 300.04M | 233.14M |
| Net income | 226.07M | 200.04M | 257.43M | 236.33M | 183.62M |
| Selling general administrative | 60.10M | 263.02M | 216.56M | 203.45M | 190.47M |
| Selling and marketing expenses | 267.08M | - | - | - | - |
| Gross profit | 717.73M | 704.33M | 742.61M | 661.61M | 566.10M |
| Reconciled depreciation | 9.72M | 134.10M | - | 64.05M | 33.91M |
| Ebit | 289.64M | 256.06M | - | 285.41M | 233.14M |
| Ebitda | 299.36M | 390.16M | 325.08M | 349.46M | 267.05M |
| Depreciation and amortization | 9.72M | 134.10M | - | 64.05M | 33.91M |
| Operating income | 289.64M | 256.06M | 325.08M | 285.41M | 233.14M |
| Other operating expenses | 1120.43M | 1176.65M | -417.54M | -376.20M | -332.96M |
| Interest expense | 685.21M | 710.88M | 352.72M | 71.77M | 86.50M |
| Tax provision | 63.57M | 56.02M | 67.65M | 63.71M | 49.52M |
| Interest income | 1339.45M | 1371.71M | 1042.95M | 666.36M | 591.61M |
| Net interest income | 654.24M | 660.83M | 690.23M | 594.59M | 505.11M |
| Income tax expense | 63.57M | 56.02M | 67.65M | 63.71M | 49.52M |
| Total revenue | 1410.07M | 1432.71M | 742.61M | 661.61M | 566.10M |
| Total operating expenses | 427.46M | 448.27M | -417.54M | -376.20M | -332.96M |
| Cost of revenue | 692.96M | 728.38M | - | - | - |
| Total other income expense net | -100.91M | 0.00M | - | 14.62M | -86.50M |
| Net income from continuing ops | 226.07M | 200.04M | 257.43M | 236.33M | 183.62M |
| Net income applicable to common shares | - | - | 257.43M | 221.71M | 173.58M |
| Preferred stock and other adjustments | - | - | - | 14.62M | 10.03M |
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
| Total assets | 26699.70M | 28060.33M | 22474.67M | 20772.13M | 19650.57M |
| Intangible assets | 27.37M | 37.06M | 5.87M | 5.55M | 6.56M |
| Other current assets | -24342.27M | 2607.74M | 17563.55M | 63.87M | 12297.54M |
| Total liab | 23660.12M | 25060.03M | 3650.00M | 300.04M | 1720.00M |
| Total stockholder equity | 3039.57M | 3000.30M | 2426.43M | 2274.26M | 2126.06M |
| Other current liab | 21437.64M | 21373.97M | - | 3.31M | 15542.11M |
| Common stock | 154.41M | 154.01M | 136.47M | 136.27M | 135.99M |
| Capital stock | 454.41M | 454.01M | 436.47M | 436.27M | 435.99M |
| Retained earnings | 2105.70M | 1978.90M | 1867.75M | 1688.74M | 1528.61M |
| Other liab | - | - | 52.55M | 50.05M | 47.02M |
| Good will | 414.72M | 411.36M | 304.75M | 303.46M | 303.46M |
| Other assets | - | 2581.78M | 16437.13M | 3503.49M | 12297.54M |
| Cash | 657.31M | 2381.10M | 980.65M | 683.97M | 2090.81M |
| Total current liabilities | 23184.68M | 21373.97M | 16345.70M | 300.04M | 16077.49M |
| Net debt | 1159.94M | 937.21M | 2669.35M | 1441.04M | -370.81M |
| Short term debt | 1747.04M | 11.79M | - | 2125.00M | 1720.00M |
| Short long term debt | 1747.04M | - | - | - | - |
| Short long term debt total | 1817.25M | 3318.31M | 3650.00M | 2125.00M | 1720.00M |
| Other stockholder equity | 422.51M | 511.54M | 75.29M | 96.77M | 91.67M |
| Property plant equipment | - | - | 237.01M | 243.06M | 255.15M |
| Total current assets | 3483.82M | 5175.89M | 3071.23M | 16113.56M | 4283.58M |
| Long term investments | 4179.00M | 3009.68M | 2418.68M | 2514.34M | 2504.28M |
| Net tangible assets | - | - | 1815.81M | 1665.25M | 1516.05M |
| Short term investments | 2615.14M | 2572.71M | 1995.10M | 2051.04M | 2138.26M |
| Net receivables | 211.37M | 222.07M | 95.48M | 63.87M | 54.51M |
| Long term debt | 70.21M | 3318.31M | 3650.00M | 2125.00M | 1720.00M |
| Inventory | - | - | 4.15M | 10.02M | 8.20M |
| Accounts payable | - | - | 16070.33M | 16029.57M | 15542.11M |
| Accumulated other comprehensive income | 56.95M | 55.85M | 46.92M | 52.48M | 69.78M |
| Common stock total equity | - | - | - | 136.27M | 135.99M |
| Preferred stock total equity | - | - | - | 300.00M | 300.00M |
| Retained earnings total equity | - | - | - | 1688.74M | 1528.61M |
| Treasury stock | - | - | - | -1590.21M | -1586.95M |
| Non currrent assets other | 860.03M | 834.79M | -2966.31M | -1911.33M | -3069.45M |
| Non current assets total | 23215.88M | 22884.44M | 2966.31M | 1155.07M | 3069.45M |
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
| Investments | -318.41M | 3287.22M | -1796.79M | -172.80M | -594.62M |
| Change to liabilities | - | - | 0.00M | 74.16M | -65.05M |
| Total cashflows from investing activities | -318.41M | 3287.22M | - | -2493.16M | -579.75M |
| Net borrowings | -1508.10M | -1900.49M | - | 405.00M | -993.79M |
| Total cash from financing activities | -1642.33M | -2326.00M | 1460.64M | 817.86M | 653.12M |
| Change to operating activities | - | - | - | -39.92M | 100.82M |
| Net income | 226.07M | 200.04M | 257.43M | 236.33M | 183.62M |
| Change in cash | -1723.79M | 1400.45M | 296.68M | -1406.84M | 387.83M |
| Begin period cash flow | 2381.10M | 980.65M | 683.97M | 2090.81M | 1702.98M |
| End period cash flow | 657.31M | 2381.10M | 980.65M | 683.97M | 2090.81M |
| Total cash from operating activities | 236.95M | 439.23M | 213.96M | 268.46M | 314.45M |
| Issuance of capital stock | - | - | 0.00M | 0.00M | 293.32M |
| Depreciation | 9.72M | 134.10M | 22.97M | 64.05M | 33.91M |
| Other cashflows from investing activities | 841.78M | 2683.51M | - | 10.06M | 44.34M |
| Dividends paid | 99.26M | 88.89M | 78.42M | 76.20M | 72.25M |
| Change to account receivables | 10.36M | 28.62M | -23.13M | -13.24M | 3.16M |
| Sale purchase of stock | -101.93M | -27.07M | -30.46M | -3.26M | -348.65M |
| Other cashflows from financing activities | 66.97M | -309.55M | 1539.06M | 7837.32M | 11.66M |
| Change to netincome | - | - | - | 8.98M | 15.49M |
| Capital expenditures | 28.71M | 24.68M | 15.06M | 11.79M | 29.47M |
| Change receivables | - | - | - | -13.24M | 3.16M |
| Cash flows other operating | - | - | - | -97.65M | 143.32M |
| Cash and cash equivalents changes | - | - | - | -1406.84M | 387.83M |
| Change in working capital | -15.66M | 81.31M | -23.13M | -40.89M | 90.03M |
| Stock based compensation | 8.52M | 9.18M | 7.91M | 6.81M | 6.38M |
| Other non cash items | 8.30M | 14.60M | -66.44M | 2.17M | -14.11M |
| Free cash flow | 208.25M | 414.55M | 198.89M | 256.68M | 284.98M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| WAFD WaFd, Inc. |
-0.04 0.14% |
29.32 | 10.61 | 13.55 | 3.21 | 0.91 | 7.80 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Brent J. Beardall CPA | Pres, CEO & Vice Chairman | 1971 |
| Mr. Vincent L. Beatty | Exec. VP & CFO | 1960 |
| Ms. Kim E. Robison | Exec. VP & COO | 1970 |
| Mr. James A. Endrizzi | Exec. VP & Chief Commercial Banker | 1973 |
| Ms. Cathy E. Cooper | Exec. VP, Chief Consumer Banker & Corp. Sec. | 1966 |
| Mr. Cory D. Stewart | Principal Accounting Officer & Sr. VP | 1972 |
| Jim Motz | Chief Information Officer & Exec. VP | NA |
| Mr. Brad Goode | Chief of Communications, Marketing & Community Relations and Sr. VP | NA |
| Lisa M. King | Sr. VP of HR | NA |
| Mr. Keith D. Taylor | Sr. VP of Corp. Real Estate and Treasurer | NA |
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