profit from every $100 of sales.
$0$100
WaFd
$29.42+0.51% today
-4.1% in 1 year
1-year low $28.351-year high $39.32
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $9.63 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What WaFd sold, what it kept, and what it did with the cash.
Sales went from $662 million in 2022 to $725 million in 2025, with $226 million of profit last year.
SalesProfit
WaFd handed back 97% of the cash it generated last year.
Buybacks $102M$99M
Free cash flow 2025$208M
Bought back its own shares$102M
Paid as dividends$99M
Cash vs. debt$657M vs. $1.8B
WaFd vs. similar companies
WaFd grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| WaFd | 9.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads WaFd's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 662 | 743 | 722 | 725 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 236 | 257 | 200 | 226 | |
| 3.39 | 3.72 | 2.50 | 2.63 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.7% | 34.7% | 27.7% | 31.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 20,772 | 22,475 | 28,060 | 26,700 |
| Cash | 684 | 981 | 2,381 | 657 |
| Total debt | 2,125 | 3,650 | 3,318 | 1,817 |
| Total liabilities | 18,498 | 20,048 | 25,060 | 23,660 |
| 2,274 | 2,426 | 3,000 | 3,040 | |
| 65 | 65 | 74 | 80 | |
| – | – | – | – | |
| 10.4% | 10.6% | 6.7% | 7.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 268 | 214 | 439 | 237 | |
| 12 | 15 | 25 | 29 | |
| 257 | 199 | 415 | 208 | |
| Dividends paid | 76 | 78 | 89 | 99 |
| 3 | 30 | 27 | 102 | |
| 7 | 8 | 9 | 9 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 9.6×
- 9.0×
- –
- 0.9×
- 3.0×
- 10.4%
- 3.0%
Profitability
- 31.2%
- 4.0%
- 4.4%
- 8.4%
- 0.9%
Growth
- +3.1%
- −8.1%
- +4.2%
- +2.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 48%of 847
Top 48%of 728
Top 26%of 880
Bottom 30%of 878
Top 29%of 932
What analysts expect
- Average price target
- $35.00
- Range
- $34.00 – $36.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 16, 2026 | 0.83 | 0.74 | +12.2% |
| Jan 15, 2026 | 0.75 | 0.76 | −1.3% |
| Oct 16, 2025 | 0.72 | 0.77 | −5.9% |
| Jul 17, 2025 | 0.73 | 0.67 | +9.0% |
| Apr 11, 2025 | 0.65 | 0.58 | +12.1% |
| Jan 16, 2025 | 0.62 | 0.65 | −4.6% |
| Oct 17, 2024 | 0.71 | 0.70 | +1.4% |
| Jul 16, 2024 | 0.75 | 0.57 | +31.6% |
3.0%of the share price, paid each year
On $1,000 invested$30a year at today's yield, before tax
+4.2%2020 to 2025
Raised7 yearsin a row, in our data
Paid per share, each year
$0.52 in 2015 → $1.08 in 2025
How safe it looks
43.9% of its profit
Room to growStretchedMore than it earns: 47.7%
News
EverBank to buy WaFd in $3.9B reverse mergerSeeking Alpha · Sep 8, 2026The newest story we have is from Sep 8, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
46No pass
Benjamin Graham
74Pass
Philip Fisher
47No pass
Peter Lynch
28No pass
Joel Greenblatt
23No pass
Charlie Munger
39No pass
Terry Smith
37No pass
Questions about WaFd
Is WaFd a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the WaFd AI analysis
What does WaFd do?
WaFd, Inc. engages in the provision of lending, depository, insurance, and other banking services to consumers. It also offers banking services to mid-sized to large businesses, and owners and developers of commercial real estate. It is in Banks - Regional, based in Seattle, WA, United States, with 2,070 employees.
Does WaFd pay a dividend?
Yes. At today's price the dividend is 3.0% a year, about 44% of its yearly profit. In 2025 it paid out $99.3 million in dividends.
Is WaFd stock halal?
No. WaFd does not pass our halal screen: its main business, banking, is not permitted. How we check
How has WaFd stock done over the past year?
Down 4.1% over the past twelve months, to $29.42. It traded between $28.35 and $39.32 and is 25.2% below its high.
Who are WaFd's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with WaFd's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.