WAFDNasdaqNational Commercial BanksFiscal year ends September 30Also trades as WAFDP
WAFD INC
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$28.42−0.73 (-2.50%)
Close on Oct 19, 2026
- Market cap
- $2.10B
- P/E (TTM)
- 9.0
- Dividend yield
- 3.76%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
762.5%+30.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +7.8% | +4.6% | +4.6% | -23.9% | |
| Net income | +13.0% | -1.5% | +5.4% | +3.5% | |
| EPS, diluted | +5.2% | -8.1% | +3.1% | +4.6% | |
| Free cash flow | -49.8% | -6.7% | +9.1% | +8.0% | |
| Dividend per share | +3.9% | +4.0% | +4.2% | +7.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.3% | 8.6% | 7.5% | |
| Return on assets | 1.1% | 1.0% | 0.8% | |
| Capex to revenue | 8.9% | 134.8% | 96.8% | |
| Diluted shares | 92M | 77M | 80M |
Where the cash went
Fiscal 2021 to 2025, five years combined
WAFD generated $1.47B from operations and spent $971.24M on capital expenditure, dividends and share buybacks. 11% of that went back into the business.
Generated
$1.47B
Used
$971.24M
Capital expenditure$109.71M11%Dividends$350.15M36%Share buybacks$511.37M53%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin762.5%
×Asset turnover0.00×
×Equity multiplier9.07×
=Return on equity, FY20257.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 762.5% | 0.00× | 9.07× | 7.5% |
| FY2024 | 727.2% | 0.00× | 9.31× | 7.4% |
| FY2023 | 988.2% | 0.00× | 9.20× | 11.0% |
| FY2022 | 911.0% | 0.00× | 9.19× | 10.7% |
| FY2021 | 743.8% | 0.00× | 9.29× | 8.9% |
| FY2020 | 732.1% | 0.00× | 8.71× | 8.6% |
| FY2019 | 845.0% | 0.00× | 8.03× | 10.4% |
| FY2018 | 786.9% | 0.00× | 7.77× | 10.2% |
| FY2017 | 35.8% | 0.03× | 7.57× | 8.7% |
| FY2016 | 35.1% | 0.03× | 7.49× | 8.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$226.07M
- Cash generatingOperating cash flow above zero$236.95M
- Return on assets improvedROA up on the prior year0.9% → 0.8%
- Earnings backed by cashOperating cash flow above net income$236.95M vs $226.07M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise74M → 80M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00