Stocktoria
WAFD INC WAFD
WAFD INC (WAFD) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 3.10% (safety: safe). FY2025 revenue was $29.6M at a 762.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-04-20 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-04-20 | Piper Sandler | Neutral (main) |
| 2026-04-09 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-01-20 | Piper Sandler | Neutral (main) |
| 2026-01-20 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-10-20 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| WAFD | WAFD INC | 6/9 | — | 12.1 | +7.8% |
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
| CAC | CAMDEN NATIONAL CORP | 3/9 | — | 14.1 | +17% |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
All Finance, Insurance & Real Estate companies →
About WAFD INC
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. 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.
FAQ
Is WAFD financially healthy?
WAFD INC's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does WAFD pay a dividend, and is it safe?
Yes. WAFD INC pays a dividend yielding about 3.10% with a 37.4% payout ratio, rated “safe” for safety.
How profitable is WAFD?
In FY2025, WAFD INC had a net margin of 762.5% and a return on equity of 7.4%.
Is WAFD overvalued or undervalued?
WAFD INC trades at about 14.4× trailing earnings — near its 10-year norm (10-year range 6.6×–17.9×, median 13.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for WAFD?
The average Wall-Street price target for WAFD INC is $37.25, about 1.4% below the recent price, from 4 analysts (consensus: hold).
Is WAFD a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on WAFD INC: a Piotroski F-score of 6/9, a P/E of about 12.1×, a dividend yield of 3.10%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.