WAFD INC (WAFD)
Financials · regional banking · NASDAQ
A regional bank holding company providing diverse commercial and consumer banking services across the Pacific Northwest and beyond.
What WAFD INC does
WAFD, Inc. is a bank holding company that operates through its principal subsidiary, Washington Federal Bank, providing a variety of banking services to consumers and businesses. Its activities include accepting deposits, originating residential and commercial real estate loans, and providing consumer and commercial banking products. The company serves its customers primarily through a network of branches and digital banking platforms.
Themes: regional banking, commercial real estate lending, residential mortgages
Fundamentals
- Price$36.38 as of 2026-08-21 close
- Market cap$2.7B as of 2026-08-21
- 1-year return+19.5% 2025-08-21 close $30.44 → 2026-08-21 close $36.38
- P/E10.89 as of 2026-08-24
- Net margin+34.7% as of 2026-08-24
- ROE+8.5% as of 2026-08-24
- Debt / equity0.02 as of 2026-08-24
- Revenue CAGR (3y)+4.6% SEC XBRL
- Beta0.87 as of 2026-08-24
- Last reported earnings2026-07-17 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.0%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How WAFD compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
WAFD is not currently in any published Top 10 list. Its scores are below.
Long-term score
67.8 #63 of 987 scored · #44 of 191 in Financials
Financial health 93rd (debt to equity 0) and valuation 88th (price to book 0.8, price to earnings 10.9); weakest is growth (49th, 3-year revenue CAGR 4.6%).
Short-term score
41.4 #1328 of 1,704 scored · #235 of 277 in Financials
Setup 53rd: day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 74% of it); momentum 45th: near the bottom of its 14-day range (oversold); weakest is volume and participation 32nd: it gapped 2.4% below the previous close and has not traded back through the level it left behind — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, WAFD's dividend was covered by reported results (earnings payout 37%, free-cash-flow payout 41%). This describes past coverage, not a forecast.
- Earnings payout37% dividends / net income
- Free-cash-flow payout41% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How WAFD INC looks technically
WAFD INC (WAFD) is trading 7.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 240 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It just made a new 20-day low, its first since 2026-06-17, breaking below its recent trading range.
Trend
7
| Distance from the 200-day | it is trading 7.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +7.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $37.39 | $37.39 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $33.93 | $33.93 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 29 calendar days ago — the swings before that are what the structure reading is measured on | 29 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 240 trading days ago — a "golden cross", a bullish long-term signal | 240 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend | 13.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 39.5 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($36.14 to $38.27) — its "stochastic" reading is 11 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 11.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $39.49 | $39.49 |
|---|---|---|
| From the 52-week high | it is 7.9% below its 52-week high (its highest price of the past year) | -7.9% |
| Above the 52-week low | it is 38.3% above its 52-week low (its lowest price of the past year) | +38.3% |
| Below the 52-week high | it is 7.9% below its highest point of the past year | 7.9% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-06-17, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 27 trading days ago | 27 sessions |
| All-time high | its highest closing price on record is $39.49 (set on 2026-07-16) | $39.49 |
| Given back of the 52-week move | over the past year its closes ranged ($27.83 to $39.32), and it has given back roughly a quarter of its rise from last year’s low — 26% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $31.85 to $32.22. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 25.6% |
| From the all-time high | it is 7.9% below its all-time high | -7.9% |
| Nearest price level | it is trading 0.7% above a support level at $36.14 — a price it turned at five times since 2026-04-20, most recently on 2026-07-31. Since 2024-08-21 it has 9 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.7% |
| All-time low | its lowest closing price on record is $9.75 (set on 2009-03-06) | $9.75 |
| Above the all-time low | it is 273.1% above its all-time low | +273.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 74% of it) | 26th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6201 between its high and its low — about 1.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6201 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $36.10 and $38.34 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $36.10 – $37.22 – $38.34 |
| Typical daily range (% of price) | its price moves about 1.7% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.7% |
| Stretch from the 200-day average | it is trading 4.0 daily ranges above its 200-day average price (7.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.73× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a bearish engulfing | 4 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 4 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.5% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.5% |
|---|---|---|
| Open gap | it gapped 2.4% below the previous close 25 sessions ago and has not traded back through the level it left behind at 39.32 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -2.4% |
| Gap filled | a 2.6% gap down opened on 2026-06-30 has been "filled" 37 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 37 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 6 sessions in a row, a -4.14% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 6 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.2 percentage points (the stock lost 1.9% while the market gained 2.3%) | -4.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 0.5 percentage points (the stock gained 2.6% while the market gained 3.1%) | -0.5% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.5 percentage points (the stock gained 9.6% while the market gained 11.1%) | -1.5% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 1.0 percentage points (the stock gained 19.5% while the market gained 20.5%) | -1.0% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.0% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.6% of the share price. | -1.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 6% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $34.45 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +5.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-17 (its 8-K), so the typical buyer over that stretch is under water. That average is $37.23 — a volume-weighted average of daily closes over 26 sessions, not a true tick-by-tick VWAP. | -2.3% |
Price levels it has turned at before
WAFD last closed at $36.38 on 2026-08-21. Since 2024-08-21 it has turned at 9 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $36.14 | Support | 0.7% below the last close | turned there five times · 2026-04-20 to 2026-07-31 |
| $36.96 | Resistance | 1.6% above the last close | turned there four times · 2024-09-18 to 2026-08-10 |
| $38.60 | Resistance | 6.1% above the last close | turned there twice · 2024-11-11 to 2024-11-25 |
| $34.15 | Support | 6.1% below the last close | turned there six times · 2024-09-11 to 2026-06-03 |
| $33.41 | Support | 8.2% below the last close | turned there 7 times · 2024-10-01 to 2026-04-09 |
| $39.42 | Resistance | 8.3% above the last close | turned there twice · 2026-07-02 to 2026-07-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · trendless / choppy (low ADX) · On a losing streak (5+ lower closes in a row) · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$39.00 range $36.00 – $40.00; median $40.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for WAFD
- Consensus EPS estimate$0.8425 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["interest rate risk and its effect on net interest margin","credit risk from potential loan losses in its portfolio","liquidity risk associated with deposit and borrowing volatility"]
What changed in the latest 10-Q
AI-assisted comparison of WAFD's 10-Q filed 2026-05-05 against the prior one filed 2026-02-04.
Management's Discussion & Analysis (MD&A)
- Removed:
- Reference to COVID-19 pandemic removed from the natural disasters bullet point in Operational Risks section (filed 2026-02-04 version stated 'including terrorist events and pandemics (such as the COVID-19 pandemic)')
- Reworded:
- Bullet point in Operational Risks changed from 'the effects of natural or man-made disasters, calamities, or conflicts, including terrorist events and pandemics (such as the COVID-19 pandemic), and related regulations, and potential impact on the creditworthiness of our customers' (2026-02-04) to 'the effects of natural or man-made disasters, calamities, or conflicts, including terrorist events and pandemics, and related regulations, and potential impact on the creditworthiness of our customers' (2026-05-05) - specific COVID-19 pandemic example removed
- Notes:
- Both documents are truncated at the end, cutting off mid-sentence in the 'GENERAL & BUSINESS DESCRIPTION' section, limiting full comparison
- Page numbers differ between versions (47-48 in newer filing vs. 43-44 in older filing), suggesting document pagination changes
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days0 buys · 1 sell ($776160) — 1 selling insider
Most recent open-market transaction: 2026-04-24. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about WAFD's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding WAFD as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 15,401,011
- Reported value $483,591,751
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 1 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
WAFD had 3,725,646 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
WAFD had 5.03% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.6 days to cover at the same settlement.
- Reported short interest (shares) 3,725,646
- Short interest (% of shares outstanding) 5.03%
- Prior settlement (shares) 3,453,638
- Reported change 7.88%
- Days to cover (reported) 5.6
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Banner Corporation (BANR)
- Columbia Banking System (COLB)
- HomeStreet, Inc. (HMST)
- First Interstate BancSystem (FIBK)
- Umpqua Holdings Corporation (UMPQ)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does WAFD INC (WAFD) do?
WAFD, Inc. is a bank holding company that operates through its principal subsidiary, Washington Federal Bank, providing a variety of banking services to consumers and businesses. Its activities include accepting deposits, originating residential and commercial real estate loans, and providing consumer and commercial banking products. The company serves its customers primarily through a network of branches and digital banking platforms.
What sector is WAFD INC (WAFD) in?
WAFD INC (WAFD) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does WAFD pay a dividend?
Yes — WAFD INC (WAFD) pays a dividend, with an indicated yield of about 2.96% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are WAFD INC's (WAFD) competitors?
Notable peers of WAFD INC (WAFD) include Banner Corporation, Columbia Banking System, HomeStreet, Inc., First Interstate BancSystem and Umpqua Holdings Corporation. This peer set is informational only — not financial advice.
Is WAFD INC (WAFD) overbought or oversold right now?
WAFD INC (WAFD) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on WAFD come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.