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Data-driven stock valuation

WaFd, Inc. (WAFD) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of WaFd, Inc. stock $36.60, price $29.43, upside +24.4%, quality 52 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

WI WaFd, Inc. logo Broad data Nov 7, 2026

WaFd, Inc.

WAFD · US
Undervalued, in an uptrend

The stock costs 20% less than our calculation considers fair.

Fair value $36.60 · Undervalued
Healthy Growth (revenue 5y +16.8 %/yr in USD)
Highly profitable · 33.0% net margin (TTM)
3.7% dividend yield · Low payout
Ranks above peers (10/15)
Upbeat coverage
Broad data
Costs just 9.2 times its yearly profit.
Quality 52/100
Moderate moat 64/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$39.03 $21.83 Fair Value $36.60 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $21.83 – $39.03 · fair‑value band $29.98 – $41.57 · the $29.43 price screens below the $36.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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.

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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.

Stock analysis

WaFd, Inc. (WAFD) currently trades at $29.43, while our model-based Fair Value estimate is $36.60, implying the stock looks roughly 20% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $39.97 per share, and 3 of the 6 models we run sit above the $29.43 price.

Bear case: the Dividend Discount group reads lowest at $19.95, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $29.98 (bear) to $41.57 (bull), the price of $29.43 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

WaFd, Inc. reported revenue of $1.4B in FY2026 versus $733M in FY2022, a compound +17.9%/yr. Reported net income was $256M in FY2026, compounding +2.0%/yr from FY2022.

Key figures

Market cap $2.2B Mid · P/E ratio 9.2 · P/S ratio 2.81 · EPS (TTM) $3.21 · Dividend yield 3.7% · Net margin 33.0% · Return on equity 8.5% · Return on assets (EBIT) 1.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades about 25% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 24%, WAFD screens cheaper than that median.

Fair Value models

Bear $29.98 Fair Value $36.60 Bull $41.57
Price $29.43 · Upside +24.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 1 months old). Earnings retained since then ($0.2334 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $34.08 $36.60 $41.57 76
Gordon GGM $11.85 $22.11 $35.83 66
DDM Multi-Stage $11.85 $17.78 $23.97 66
All 6 models by family
Dividend Discount
Gordon GGM $11.85 $22.11 $35.83 66
DDM Multi-Stage $11.85 $17.78 $23.97 66
Multiples
P/E Multiple $33.71 $44.94 $56.18 63
P/B Multiple $26.24 $34.99 $43.73 55
Asset-Based
NCAV (Graham) $17.28 $23.16 $34.57 54
Economic Profit
Residual Income $34.08 $36.60 $41.57 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 61
Do the profits arrive as real cash?
Financial strength 9
Debt, balance sheet and risk of trouble
Investment 77
Does it invest with discipline instead of growing at any price?
Low Volatility 75
How calm the share price moves, does not count
Price momentum 26
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 22
Distance to the 52-week high, does not count
New shares 69
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

  • SaleKim E RobisonEVP & Chief Operations Officer22,000 shares at $35.28$776,160Apr 24, 2026
  • SaleCathy E CooperEVP & Chief Consumer Banker5,300 shares at $33.77$178,981Feb 6, 2026

Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+0.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.8%
Start year 2021 (pandemic). Over 10 years: +9.1% a year
Revenue growth 37 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.4%
Dividend (yield on the price)3.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.4% vs 6.8%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.36% → 23%
Pace: the 5-year rate starts in 2021 (pandemic)

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Earlier news

News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +24.4% · Top 25%
Profitability
Return on equity (12 months) 8.5% · Below median
Return on assets 0.9% · Below median
Net margin (12 months) 33.0% · Above median
Operating margin (12 months) 42.6% · Above median
Growth and dividend
Revenue growth (quarter YoY) 8.2% · Below median
Dividend yield (12 months) 3.7% · Above median
Balance sheet
Debt / equity 0.02× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.2× · Cheaper than median
P/B 0.73× · Cheapest 25%
P/S (12 months) 2.81× · Cheaper than median
Price / free cash flow (fiscal year) 10.5× · Cheaper than median
EV/EBITDA 4.6× · Cheapest 25%
PEG 1.85× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)66 · sector 8
FUTURE (revenue growth)41 · sector 47
PAST (return on equity)34 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)73 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs WAFD
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs WAFD
BNP Paribas SA BNP €91.93 €106.01 +15% vs WAFD
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs WAFD
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs WAFD
UniCredit S.p.A UCG €76.80 €50.44 −34% vs WAFD
Mizuho Financial Group MFG $9.40 $5.89 −37% vs WAFD
DBS Group D05 69.72 SGD 40.39 SGD −42% vs WAFD
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs WAFD
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs WAFD

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Cite: Fair Value Calculator (2026). "WaFd, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/WAFD

Frequently asked questions

Is WaFd, Inc. (WAFD) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $36.60 versus a price of $29.43, about +24% upside (undervalued).
What is the fair value of WAFD?
Our model-based fair value for WaFd, Inc. is $36.60 (as of Nov 7, 2026), built from audited fundamentals. The current price: $29.43.
What is the quality score of WAFD?
WaFd, Inc. has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for WaFd, Inc. (WAFD)?
Our model-based price target is the fair value of $36.60 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $29.98, optimistic scenario $41.57. It is a calculation from audited fundamentals, not an analyst target.
What is the WaFd, Inc. stock forecast for 2026?
Our models put fair value at $36.60, about +24% upside versus a price of $29.43 (undervalued). Cautious scenario $29.98, optimistic scenario $41.57. The calculation is refreshed regularly with new filings.
What is the revenue of WaFd, Inc. (WAFD)?
WaFd, Inc. reported trailing-twelve-month revenue of about $776M (latest available figure, as of Nov 7, 2026).
Does WaFd, Inc. pay a dividend?
WaFd, Inc. currently shows a dividend yield of 3.67% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of WaFd, Inc. (WAFD) and when is the ex-dividend date?
WaFd, Inc. pays a dividend of $1.08 per share a year, a dividend yield of 3.7%. The last ex-dividend date was Aug 21, 2026. A dividend has been paid every year since at least 1987. The payout ratio is 33.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of WaFd, Inc. (WAFD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For WaFd, Inc. it is $36.60 per share (as of Nov 7, 2026), against a price of $29.43. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is WaFd, Inc. stock overvalued or undervalued in 2026?
As of Nov 7, 2026, WAFD trades below its calculated fair value: price $29.43, fair value $36.60, a gap of about +24% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WAFD?
No. The price is what the market pays today ($29.43); the fair value is what the company's own numbers justify ($36.60). For WaFd, Inc. the two are $7.17 per share apart. That gap is exactly why we show both numbers side by side.
How much is WaFd, Inc. worth?
The market values WaFd, Inc. at about $2.2B (market capitalisation, as of Nov 7, 2026). Per share that is $29.43; our models calculate a fair value of $36.60 per share.
What do the bullish and bearish scenarios say about WAFD?
Our models span a range for WaFd, Inc.: cautious scenario $29.98, base $36.60, optimistic $41.57 per share (as of Nov 7, 2026, price $29.43). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WAFD?
WaFd, Inc. trades at a price-to-earnings ratio of 9.2 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $36.60 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 11.8. Other multiples: PEG 1.8, P/B 0.7, P/S 2.8, EV/EBITDA 4.6.
What is the PEG ratio of WAFD?
The PEG ratio of WaFd, Inc. is 1.85 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of WaFd, Inc. (WAFD)?
Balance-sheet figures for WaFd, Inc. (as of Nov 7, 2026): return on equity 8.5%, debt of 0.02 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is WAFD from its 52-week high?
WaFd, Inc. trades at $29.43, about 25% below its 52-week high of $39.03 and 4% above the low of $28.35 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $36.60 is for.
Which stocks are comparable to WaFd, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is WaFd, Inc. stock attractive at the current price?
The data as of Nov 7, 2026: price $29.43, calculated fair value $36.60 (+24%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WAFD calculated?
We run WaFd, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $36.60 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. WaFd, Inc. currently trades 20% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of WaFd, Inc. (WAFD)?
The closing price on Nov 6, 2026 was $29.43. Our model-based fair value is $36.60, about +24% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with WaFd, Inc. right now?
Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of WaFd, Inc. (WAFD) come from?
Earnings per share at WaFd, Inc. grew +5.8 % a year from 2015 to 2026. Broken into its drivers: revenue per share +12.6 %, EBIT margin −7.8 %, tax rate +1.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of WaFd, Inc.

How large is the market capitalisation of WaFd, Inc. (WAFD)?
The market capitalisation of WaFd, Inc. is $2.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of WaFd, Inc. (WAFD)?
The price-to-sales ratio of WaFd, Inc. is 2.81 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of WaFd, Inc. (WAFD)?
Earnings per share at WaFd, Inc. are $3.21 (price ÷ EPS = P/E 9.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of WaFd, Inc. (WAFD)?
The dividend yield of WaFd, Inc. is 3.7% (payout 33.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of WaFd, Inc. (WAFD)?
The net margin of WaFd, Inc. is 33.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of WaFd, Inc. (WAFD)?
The return on equity (ROE) of WaFd, Inc. is 8.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of WaFd, Inc. (WAFD)?
On an EBIT basis the return on assets of WaFd, Inc. is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of WaFd, Inc. (WAFD)?
The operating margin of WaFd, Inc. is 42.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at WaFd, Inc. (WAFD)?
Revenue at WaFd, Inc. is growing +8.2% versus a year earlier (3y avg +24.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at WaFd, Inc. (WAFD)?
Earnings per share at WaFd, Inc. are growing +5.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does WaFd, Inc. (WAFD) generate?
The free cash flow of WaFd, Inc. is $208M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does WaFd, Inc. (WAFD) carry?
The net debt of WaFd, Inc. is $1.8B (fiscal year 2026, ≈ 8.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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