TORVANTA
Other · S&P 500 · data as of 2026-10-05

WAFD stock analysis: WAFD

WAFD (WAFD) is an S&P 500 company in Other. It grades weakest on momentum.

The model's view of WAFD · subscribers

Where WAFD ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with WAFD · updated 2026-10-05 · from prices and SEC filings

WAFD price performance

WAFD against the S&P 500, one year
+0%+20%S&P 500 +18%WAFD +2%2025-09-292026-10-05
Year to date-3.6%S&P 500 +14.5% · behind by 18.1 pts
1 year+3.9%S&P 500 +17.0% · behind by 13.1 pts
3 years+30.7%S&P 500 +89.3% · behind by 58.6 pts
5 years+1.0%S&P 500 +91.3% · behind by 90.3 pts

Total returns with dividends reinvested.

WAFD factor grades

Each grade compares WAFD with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

B+ValueP/E 9.5x (industry 20.1x)FCF yield 10.2% (industry 6.0%)
C+GrowthRevenue growth +10% (industry +8%)EPS growth +20% (industry +10%)
BProfitability
C-Momentum12-month change +4%From 52-wk high -23%

WAFD in plain numbers

WAFD key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$2.2B
Revenue growth (y/y)+10%
Free-cash-flow yield10.2%
Dividend yield3.6%
Next earnings (expected)2026-10-28
Valuation measures
Market value$2.2B
Enterprise value$1.6B
P/E (trailing)9.5x
Forward P/E (Torvanta estimate)8.8x
PEG (Torvanta estimate)1.03
Price / sales70.6x
Price / book0.7x
EV / revenue49.2x
Financial highlights
Revenue, last 12 months$31.6M
Net income, last 12 months$256.5M
EPS, last 12 months (GAAP)$3.17
Net margin810.8%
Return on equity8.5%
Cash$676.5M
Total debt$0
Free cash flow, last 12 months$227.0M

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

WAFD earnings trends

Revenue vs earnings
$0$16.5M$33.1M$49.6M$66.1MSep 2024 Revenue: $7.0MDec 2024 Revenue: $7.0MMar 2025 Revenue: $7.1MJun 2025 Revenue: $7.6MSep 2025 Revenue: $8.0MDec 2025 Revenue: $7.9MMar 2026 Revenue: $7.7MJun 2026 Revenue: $8.1MSep 2024 Net income: $61.1MDec 2024 Net income: $47.3MMar 2025 Net income: $56.3MJun 2025 Net income: $62.0MSep 2025 Net income: $60.6MDec 2025 Net income: $64.2MMar 2026 Net income: $65.5MJun 2026 Net income: $66.1MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: 867.6%Net margin: 670.8%Net margin: 797.1%Net margin: 816.4%Net margin: 761.4%Net margin: 817.0%Net margin: 854.2%Net margin: 812.2%0%434%868%■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.2$0.4$0.6$0.8Sep 2024 EPS (GAAP, diluted): $0.7Dec 2024 EPS (GAAP, diluted): $0.5Mar 2025 EPS (GAAP, diluted): $0.7Jun 2025 EPS (GAAP, diluted): $0.7Sep 2025 EPS (GAAP, diluted): $0.7Dec 2025 EPS (GAAP, diluted): $0.8Mar 2026 EPS (GAAP, diluted): $0.8Jun 2026 EPS (GAAP, diluted): $0.8Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 0% · Dec 2025 +46% · Mar 2026 +26% · Jun 2026 +15%

From the company's 10-Q and 10-K filings with the SEC.

WAFD financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$24.7M$25.9M$26.1M$27.5M$29.6M
Net income$183.6M$236.3M$257.4M$200.0M$226.1M
EPS (GAAP)$2.39$3.39$3.72$2.49$2.64
Free cash flown/an/a$198.9M$414.6M$208.2M

WAFD earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-17$0.84+15%+7%-5.2%
2026-04-17$0.82+26%+9%+7.3%
2026-01-16$0.79+46%+12%-4.7%
2025-10-29$0.720%+13%-0.7%
2025-07-18$0.73-3%+9%+0.4%
2025-04-15$0.65+282%+5%+5.4%

About WAFD

HeadquartersSeattle, WA
Industry (SEC code)National Commercial Banks
Fiscal year endsSeptember 30
Incorporated inWA
Listed onNasdaq, Nasdaq
FormerlyWASHINGTON FEDERAL INC

From the company's SEC registration record.

Companies similar to WAFD

CompanyMarket valueP/ERevenue growthOperating margin12-month change
WAFD WAFD$2.2B9.5x+10%n/a+4%
DBD DBD$2.2B21.7x+5%6.4%+13%compare
BKE BKE$2.2B10.0x+6%20.8%-18%compare
RH RH$2.2B20.9x+3%10.0%-43%compare
VVX VVX$2.2B24.4x+13%4.2%+19%
KSS KSS$2.2B8.5x-3%3.8%+19%
PHIN PHIN$2.2B17.3x+8%7.0%+8%

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Frequently asked questions

Is WAFD stock a buy?

Torvanta does not tell individuals what to buy. Its grades for WAFD are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is WAFD's P/E ratio?

WAFD trades at about 9.5 times its last 12 months of GAAP earnings reported to the SEC, and about 8.8 times Torvanta's own estimate of the next 12 months.

When does WAFD report earnings next?

Based on its filing history, Torvanta expects WAFD to report around 2026-10-28.

Does WAFD pay a dividend?

Yes. Its dividend yield is about 3.6%, and it has raised its dividend 7 years in a row.

How has WAFD performed against the S&P 500?

Over the past year WAFD returned +3.9%, against +17.0% for the S&P 500, dividends reinvested.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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