US · WAFD
WaFd, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Seattle, WA 98101
- Website
- wafdbank.com
Price · as of 2025-09-30
$35.46
Market cap 2.38B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $33.48 | -5.58% |
| Intrinsic Value(DCF) | $34.58 | -2.48% |
| Graham-Dodd Method(GD) | $28.26 | -20.3% |
| Graham Formula(GF) | $18.61 | -47.52% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.08 | $18.92 | $13.88 | $16.39 | $0.00 |
| 2012 | $11.26 | $30.76 | $15.54 | $17.30 | $0.00 |
| 2013 | $16.70 | $30.77 | $16.98 | $17.84 | $0.00 |
| 2014 | $16.05 | $46.41 | $18.65 | $18.20 | $19.20 |
| 2015 | $17.61 | $38.31 | $19.77 | $17.77 | $19.08 |
| 2016 | $26.48 | $42.00 | $20.12 | $19.21 | $18.71 |
| 2017 | $26.73 | $37.91 | $20.22 | $16.45 | $18.48 |
| 2018 | $21.81 | $38.09 | $20.25 | $22.05 | $37.85 |
| 2019 | $29.78 | $45.78 | $21.89 | $22.78 | $53.23 |
| 2020 | $21.47 | $33.19 | $23.54 | $20.61 | $10.60 |
| 2021 | $28.74 | $25.34 | $25.76 | $22.84 | $1.70 |
| 2022 | $30.02 | $31.55 | $34.14 | $30.78 | $72.36 |
| 2023 | $28.29 | $44.10 | $61.75 | $34.24 | $218.69 |
| 2024 | $34.37 | $29.07 | $169.76 | $30.38 | $101.28 |
| 2025 | $31.87 | $33.48 | $42.28 | $28.26 | $18.61 |
AI valuation
Our deep-learning model estimates WaFd, Inc.'s (WAFD) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $33.48
- Current price
- $35.46
- AI upside
- -5.58%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$34.58
-2.48% upside
Graham-Dodd
$28.26
-20.3% upside
Graham Formula
$18.61
-47.52% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WAFD | WaFd, Inc. | $35.46 | 2.38B | -6% | -2% | -20% | -48% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
| BANR | Banner Corporation | $58.85 | 2.01B | -15% | -6% | -24% | -30% | 10.57 | 1.06 | 2.52 | 8.76 | 67.87 | 1.31 | 79.04% | 29.45% | 23.84% | 10.50% | 10.00% | 1.20% | 0.19 | 1.11 | 0.02 | 0.02 | 0.75 | 1557.00% | -95.00% | -5127.00% | 6.59% | 0.01 | 6.90% | 3.27% | 34.60% | 4.80% | 9.17 | 16.25 | 2.70 | -0.76 |
| CUBI | Customers Bancorp, Inc. | $67.44 | 2.31B | -4% | +374% | +33% | +16% | 10.54 | 1.12 | 1.67 | 5.88 | 48.32 | 1.12 | 51.59% | 21.97% | 15.84% | 11.34% | -65.45% | 0.95% | 0.81 | 0.51 | 1.19 | 1.19 | 4.67 | 2181.00% | 394.00% | 50225.00% | 20.37% | 0.03 | -130.40% | 0.46% | 4.80% | 6.73% | 6.65 | 4.30 | 1.46 | 0.39 |
| CVBF | CVB Financial Corp. | $19.23 | 2.61B | +72% | -10% | -3% | -54% | 12.86 | 1.17 | 4.18 | 3.17 | 231.49 | 1.77 | 79.87% | 43.78% | 32.53% | 9.34% | 13.19% | 1.36% | 0.43 | 2.12 | 0.23 | 0.23 | 3.13 | 556.00% | -233.00% | -2007.00% | 7.26% | 0.02 | 12.32% | 0.00% | 0.00% | 0.00% | 3.17 | 4.56 | 1.39 | -0.48 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| NBTB | NBT Bancorp Inc. | $42.72 | 2.23B | -20% | +70% | -40% | +52% | 11.91 | 1.06 | 2.32 | 1.34 | 95.27 | 1.45 | 72.14% | 25.30% | 19.51% | 9.89% | 19.95% | 1.14% | 0.17 | 1.05 | 13.83 | 13.83 | 0.65 | 1250.00% | 1036.00% | -4040.00% | 5.23% | 0.71 | 12.43% | 3.60% | 42.90% | 3.60% | 1.34 | 2.80 | 0.34 | 0.33 |
| PFS | Provident Financial Servi… | $21.04 | 2.75B | +36% | +500% | +56% | +201% | 9.64 | 0.99 | 2.03 | 4.78 | 8.58 | 1.37 | 62.69% | 29.52% | 21.06% | 10.72% | 14.47% | 1.19% | 0.89 | 0.80 | — | — | 5.65 | 11238.00% | 2125.00% | 133.00% | 15.34% | — | 21.41% | 0.00% | 0.00% | 0.00% | 4.78 | 4.53 | 1.41 | 0.42 |
| TOWN | TowneBank | $34.26 | 2.62B | +64% | -14% | +2% | -57% | 15.65 | 1.10 | 2.63 | 13.18 | 560.69 | 1.53 | 69.58% | 20.86% | 16.82% | 7.43% | 9.56% | 0.92% | 0.15 | 0.74 | 0.10 | 0.02 | 0.56 | 279.00% | -161.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.18 | — | 2.75 | -0.48 |
| TRMK | Trustmark Corporation | $42.59 | 2.55B | -37% | +160% | -21% | +261% | 11.68 | 1.23 | 2.34 | 3.65 | 605.87 | 1.47 | 70.96% | 25.51% | 20.01% | 10.98% | 36.00% | 1.21% | 0.53 | 0.91 | 0.73 | 0.73 | 1.38 | 193.00% | 3475.00% | 16256.00% | 8.86% | 0.07 | 37.25% | 2.23% | 26.10% | 5.29% | 4.16 | 5.13 | 1.06 | 0.29 |
| WAL | Western Alliance Bancorpo… | $80.32 | 8.84B | -40% | +57% | +4% | +45% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
About WaFd, Inc.
WaFd, Inc. engages in the provision of lending, depository, insurance, and other banking services to consumers. It also offers banking services to mid-sized to large businesses, and owners and developers of commercial real estate. The company was founded on November 15, 1994 and is headquartered in Seattle, WA.
- CEO
- Brent J. Beardall
- Employees
- 2.02K
- Beta
- 0.84
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($34.58 ÷ $35.46) − 1 = -2.48% (DCF, example).