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$29.74 as of 2026-10-08 close
- Market cap$2.2B as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+2.0% 2025-10-08 close $29.16 → 2026-10-08 close $29.74
- P/E8.84 as of 2026-10-08
- Net margin+762.5% FY2025, SEC XBRL
- ROE+7.4% FY2025, SEC XBRL
- Debt / equity0.02 as of 2026-09-02
- Revenue CAGR (3y)+4.6% SEC XBRL
- Beta0.83 as of 2026-09-02
- Last reported earnings2026-07-17 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.3%; 8-year non-decreasing per-share dividend streak (SEC XBRL).
How WAFD compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- net profit margintop 10% 344 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 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.
Top 10 score
54.1 #515 of 1,379 scored · #145 of 220 in Financials
Financial health 93rd (free cash flow margin 702.3%, debt to equity 0) and valuation 91st (price to book 0.7, price to earnings 8.8); weakest is profitability (34th, return on equity 7.4%).
Scores as of 8 Oct 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 4.
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 13.1% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 273 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 48, with sellers in control. Momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 28, in oversold territory (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day low about 2 trading days ago. It is 24.7% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 13.1% below its 200-day average, the long-term trend line — a long-term downtrend | -13.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $34.47 | $34.47 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $34.21 | $34.21 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 52 calendar days ago — the swings before that are what the structure reading is measured on | 52 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 38.27. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 273 trading days ago — a "golden cross", a bullish long-term signal | 273 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 48, with sellers in control | 47.8 |
Momentum
3
| 14-day RSI | momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 28, in oversold territory (below 30) | 28.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($29.22 to $32.64) — its "stochastic" reading is 15 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 climbing within that range over the last few sessions. | 15.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive) | 1 session |
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 24.7% below its 52-week high (its highest price of the past year) | -24.7% |
| Above the 52-week low | it is 13.0% above its 52-week low (its lowest price of the past year) | +13.0% |
| Below the 52-week high | it is 24.7% below its highest point of the past year | 24.7% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 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 almost all of its rise from last year’s low — 83% 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. | 83.4% |
| From the all-time high | it is 24.7% below its all-time high | -24.7% |
| Nearest price level | it is trading 0.8% above a support level at $29.51 — a price it turned at four times since 2025-03-26, most recently on 2026-03-09. Since 2024-10-08 it has 3 such levels below the current price and 9 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.8% |
| 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 205.0% above its all-time low | +205.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 85% of the past ~6 months) | 85th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.7569 between its high and its low — about 2.6% 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 | $0.7569 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $28.64 and $33.97 — 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 | $28.64 – $31.31 – $33.97 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. 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 | 2.5% |
| Stretch from the 200-day average | it is trading 5.9 daily ranges below its 200-day average price (13.1% below 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 | 5.9 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.80× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 6.1% since the prior reading | -6.1% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.6% 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 | -0.6% |
|---|---|---|
| Open gap | it gapped 2.4% below the previous close 58 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% |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 14.3 percentage points (the stock lost 13.2% while the market gained 1.0%) | -14.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 23.2 percentage points (the stock lost 19.4% while the market gained 3.8%) | -23.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 24.7 percentage points (the stock lost 7.2% while the market gained 17.5%) | -24.7% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 13.0 percentage points (the stock gained 2.0% while the market gained 15.0%) | -13.0% |
Signal agreement
2
| Bullish technical signals | 4 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, its RSI momentum gauge is oversold (a beaten-down reading), MACD momentum is positive, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 18% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 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 3.2% of the share price. | -18.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $33.83 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -12.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 12% 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 $33.67 — a volume-weighted average of daily closes over 59 sessions, not a true tick-by-tick VWAP. | -11.7% |
Price levels it has turned at before
WAFD last closed at $29.74 on 2026-10-08. Since 2024-10-08 it has turned at 3 prices below its last close and 9 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $29.51 | Support | 0.8% below the last close | turned there four times · 2025-03-26 to 2026-03-09 |
| $30.25 | Resistance | 1.7% above the last close | turned there five times · 2025-03-03 to 2025-09-16 |
| $28.72 | Support | 3.4% below the last close | turned there five times · 2025-01-23 to 2025-11-03 |
| $31.26 | Resistance | 5.1% above the last close | turned there 7 times · 2024-12-20 to 2026-01-20 |
| $27.41 | Support | 7.8% below the last close | turned there three times · 2025-03-12 to 2025-06-18 |
| $32.27 | Resistance | 8.5% above the last close | turned there six times · 2024-11-04 to 2026-03-23 |
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
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $38.27.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $32.81 and $34.89 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $38.27.
This reading has stood for 32 trading days, since 2026-08-25.
Read from daily closes as of 2026-10-08.
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 below the 200-day moving average · Oversold (14-day RSI below 30) · Pulled back from the 12-month high · Broke down to a new 20-day low · MACD just crossed bullish (12/26/9) · Analyst price target recently CUT | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. 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$34.50 range $32.00 – $40.00; median $33.00
Analyst estimates, as of 2026-10-07. 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 2026-10-07
- Estimate change, 30 days$0.00 (0.0%) from $0.8425, on 2026-09-02, 35-day window
- Readings revised upward0% of 8 comparable readings
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, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 180 days · read to 2026-10-040 buys · 1 sell ($776160) — 1 selling insider
Most recent open-market transaction: 2026-04-24. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
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 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 15,323,712
- Reported value $587,970,851
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 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.
Ask about WAFD's institutional holders → See what each manager we track holds →
Short interest (FINRA)
WAFD had 4,665,613 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
WAFD had 6.31% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.79 days to cover at the same settlement.
- Reported short interest (shares) 4,665,613
- Short interest (% of shares outstanding) 6.31%
- Prior settlement (shares) 3,830,138
- Reported change 21.81%
- Days to cover (reported) 3.79
Reported to FINRA as of the 2026-09-15 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 3.33% and 8-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-02). 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 in oversold territory (its 14-day RSI is 28, below 30) (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on WAFD come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.