Wafd Inc (NASDAQ:WAFD)

US · Delayed Price · Currency is USD

Financial Services · Banks - Regional

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29.77-0.58 (-1.91%)

Market cap

$2.20B

Insider Score

Not scored

Health Score

59 Fair

Analyst consensus

Hold

Listed since

Nov 9, 1982

Website

wafdbank.com

Insider Score

––Not scored

WAFD Insider Score

Insiders here have filed 5 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.

See stocks that are scored

Financial Health Score

Fair

From WAFD’s reported statements · Q3 2026 (trailing 12 months)

Profitability19 / 20

Keeps a healthy share of every dollar it sells.

Revenue: $1.42B
Net income: $255.9M
Net margin: 18.1%

Leverage0 / 20

Heavily indebted for what it earns.

Total debt: $2.55B
Cash: $749.7M
Net debt / EBITDA: 5.27x

Liquidity0 / 20

Owes more within a year than it holds to pay it.

Current assets: $6.22B
Current liabilities: $21.38B
Current ratio: 0.29

Cash generation20 / 20

The business funds itself from operations.

Operating cash flow: $267.5M
Free cash flow: $227.0M
FCF margin: 16.0%

Dilution & runway20 / 20

Not funding itself by issuing shares.

Shares outstanding: 74.0M
Share growth (1y): -5.8%

Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.

WAFD Income Statement

Fiscal Period	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025
Revenue	372.71 M	356.47 M	344.83 M	342.91 M	344.24 M	349.99 M
Revenue Growth (YoY)	8.27 %	1.85 %	-2.78 %	-5.08 %	-11.69 %	-14.44 %
Cost of Revenue	174.14 M	161.79 M	151.16 M	154.88 M	159.63 M	165.73 M
Gross Profit	198.57 M	194.68 M	193.66 M	188.02 M	185.30 M	184.26 M
SG&A Expense	73.05 M	69.24 M	68.83 M	65.36 M	83.33 M	58.63 M
R&D Expense	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses	121.50 M	110.33 M	109.86 M	105.72 M	106.99 M	104.33 M
Operating Income	77.08 M	84.35 M	83.81 M	82.30 M	77.62 M	79.76 M
Pretax Income	77.08 M	84.35 M	83.81 M	82.30 M	77.62 M	79.76 M
Tax Provision	17.09 M	18.22 M	18.26 M	18.11 M	17.03 M	17.81 M
Net Income	59.99 M	66.13 M	65.55 M	64.20 M	60.60 M	61.95 M
EPS (Basic)	0.76	0.89	0.87	0.79	0.72	0.73
EPS (Diluted)	0.76	0.89	0.87	0.79	0.72	0.73
Shares Outstanding	74.00 M	73.90 M	75.49 M	76.97 M	78.56 M	79.89 M

Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.

Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.