WaFd Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $31.6M+15.0% YoYTTM through 30 Jun 2026
Net Income $256.5M+28.2% YoYTTM through 30 Jun 2026
Free Cash Flow $227MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 25.8% |
| Net Margin | 810.8% |
Returns
8.4%ROE
0.9%ROA
4.7%ROIC
Balance Sheet Health
Debt / Equity1.04x
Net Debt-$1.9Bnet cash position
Cash & Equivalents$676.5M
Quality Metrics
Piotroski F-Score5 / 9
FCF Margin717.5%
Earnings-Beat Rate25.0%
Multi-Year Trend
RevenueFY2025: $29.7M
Diluted EPS$3.17TTMFY2025: $2.63
Dividend
$0.54Per share, FY20262.96%Yield-10.1%5-yr growth
Capital Allocation
Capex Intensity128.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Commercial Lending | View detailsThe bank is actively expanding its commercial lending activities across its nine western states after exiting the single-family mortgage origination business in January 2025. | ||
| Consumer Lending | View detailsWaFd Bank ceased originating consumer single-family home loans and home equity lines of credit in January 2025. |
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