WaFd (WAFDP) Financials
Newest figures come from the 10-Q for Q3 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WAFDP SEC filings page.
WaFd, Inc. (WAFDP) reported $782.6M in revenue over the twelve months to Jun 30, 2026, up 7.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings.
WaFd's liability-funded balance sheet contracted in FY2025, while earnings recovered without matching cash generation.
The FY2025 earnings rebound—net income rose13.0% —did not translate into operating cash flow, which fell46.1% . Operating cash flow relative to net income consequently moved from219.6% in FY2024 to104.8% in FY2025, showing that the prior year's unusually strong cash conversion normalized as reported profit improved.
Liabilities still represented
Capital expenditures were
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of WaFd, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
WaFd, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and WaFd, Inc. scores 47/100 among other banks.
WaFd, Inc. reported revenue of $725.5M in fiscal year 2025, against $721.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and WaFd, Inc. scores 12/100 among other banks.
WaFd, Inc. funded 11.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.0B of equity against $26.7B of assets. Capital ranks banks on that cushion, and WaFd, Inc. scores 58/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. WaFd, Inc. scores 71/100 on it among other banks.
Not available for WaFd, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
WaFd, Inc. reported net income of $226.1M in fiscal year 2025, against $200.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and WaFd, Inc. scores 89/100 among other banks.
WaFd, Inc. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
WaFd, Inc. generated $205.5M in revenue in Q3 2026. This represents an increase of 10.3% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.
WaFd, Inc. reported $66.1M in net income in Q3 2026. This represents an increase of 6.7% from the same quarter a year earlier. Against the prior quarter it is up 0.9%.
WaFd, Inc. earned $0.84 per diluted share (EPS) in Q3 2026. This represents an increase of 15.1% from the same quarter a year earlier. Against the prior quarter it is up 2.4%.
Not reported for Q3 2026.
Cash & Balance Sheet
WaFd, Inc. generated $63.4M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 19.4% from the same quarter a year earlier. Against the prior quarter it is down 6.8%.
WaFd, Inc. held $676.5M in cash as of Q3 2026; no long-term debt figure is on record for that period.
WaFd, Inc. paid $0.27 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
WaFd, Inc.'s net profit margin was 32.2% in Q3 2026, showing the share of revenue converted to profit. This is down 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.0 percentage points.
WaFd, Inc.'s quarterly ROE was 2.2% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.1 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
WaFd, Inc. spent $319K on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.3% from the same quarter a year earlier. Against the prior quarter it is down 99.6%.
WaFd, Inc. invested $6.9M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 40.2% from the same quarter a year earlier. Against the prior quarter it is down 39.4%.
Not reported for Q3 2026.
WAFDP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Revenue | $205.5M+10.3% | $197.4M+9.8% | $191.4M+11.8% | $188.3M-0.2% | $186.3M-4.2% | $179.8M+4.5% | $171.1M+2.8% | $188.7M+6.0% |
| Interest Expense | $150.8M-7.9% | $147.2M-16.0% | $151.4M-20.2% | $156.6M-22.2% | $163.7M-23.8% | $175.2M+9.3% | $189.7M+40.9% | $201.3M+70.6% |
| Income Tax | $18.2M+2.3% | $18.3M+15.9% | $18.1M+39.4% | $17.0M-12.8% | $17.8M-2.0% | $15.8M+210.6% | $13.0M-1.9% | $19.5M+119.1% |
| Net Income | $66.1M+6.7% | $65.5M+16.5% | $64.2M+35.8% | $60.6M-0.9% | $62.0M-4.0% | $56.3M+254.1% | $47.3M-19.1% | $61.1M+21.8% |
| EPS (Basic) | $0.85+16.4% | $0.82+26.2% | $0.79+46.3% | $0.73+1.4% | $0.73-2.7% | $0.65+282.4% | $0.54-36.5% | $0.720.0% |
| EPS (Diluted) | $0.84+15.1% | $0.82+26.2% | $0.79+46.3% | $0.720.0% | $0.73-2.7% | $0.65+282.4% | $0.54-36.5% | $0.720.0% |
| Diluted Shares (Avg) | 74M-7.3% | 76M-6.8% | 77M-5.4% | N/A | 80M-1.8% | 81M+15.6% | 81M+26.6% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
WAFDP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $27.6B+3.2% | $27.6B-0.3% | $27.3B-1.4% | $26.7B-4.8% | $26.7B-6.5% | $27.6B-8.3% | $27.7B+22.3% | $28.1B+24.9% |
| Cash & Equivalents | $676.5M-16.4% | $669.8M-45.6% | $734.9M-51.3% | $657.3M-72.4% | $809.3M-67.5% | $1.2B-18.2% | $1.5B+31.7% | $2.4B+142.8% |
| Goodwill | $418.4M+0.9% | $418.4M+0.9% | $416.2M+0.4% | $414.7M+0.8% | $414.7M+0.6% | $414.7M+0.8% | $414.7M+35.9% | $411.4M+35.0% |
| Total Liabilities | $24.6B+3.6% | $24.6B-0.1% | $24.3B-1.6% | $23.7B-5.6% | $23.7B-7.4% | $24.6B-9.6% | $24.7B+22.2% | $25.1B+25.0% |
| Total Equity | $3.0B+0.3% | $3.0B-1.7% | $3.0B+0.3% | $3.0B+1.3% | $3.0B+1.9% | $3.0B+3.8% | $3.0B+23.2% | $3.0B+23.7% |
| Retained Earnings | $2.2B+7.8% | $2.2B+7.6% | $2.1B+7.2% | $2.1B+6.4% | $2.1B+6.6% | $2.0B+6.8% | $2.0B+5.0% | $2.0B+6.0% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
WAFDP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $70.3M+21.1% | $79.4M+10.0% | $60.5M+22.4% | $57.4M-40.6% | $58.0M-8.1% | $72.1M-57.4% | $49.4M-55.2% | $96.6M+16.6% |
| Depreciation & Amortization | $6.0Mn/m | $8.6Mn/m | -$1.6M-103.5% | -$1.2Mn/m | -$13.5Mn/m | -$19.9M-108.7% | $44.4Mn/m | -$60.0M-922.2% |
| Stock-Based Compensation | N/A | N/A | $2.0M+10.5% | N/A | N/A | N/A | $1.9M-19.3% | N/A |
| Capital Expenditures | $6.9M+40.2% | $11.4M+105.4% | $10.4M+62.0% | $11.8M+63.6% | $4.9M+1.5% | $5.6M+25.4% | $6.4M-21.3% | $7.2M+87.2% |
| Free Cash Flow | $63.4M+19.4% | $68.0M+2.1% | $50.0M+16.4% | $45.6M-49.0% | $53.1M-8.9% | $66.6M-59.6% | $43.0M-57.9% | $89.4M+13.1% |
| Investing Cash Flow | -$42.0M-109.0% | -$391.1Mn/m | -$511.7Mn/m | -$58.8M-116.2% | $468.9M-81.4% | -$214.0M-144.6% | -$514.6Mn/m | $362.9Mn/m |
| Financing Cash Flow | -$21.6Mn/m | $246.6Mn/m | $528.8Mn/m | -$150.6Mn/m | -$949.1Mn/m | -$134.4Mn/m | -$408.2M-426.9% | -$571.0Mn/m |
| Dividends Paid | $19.7M-7.4% | $20.2M-6.8% | $20.4M-2.7% | $20.9M0.0% | $21.2M+1.5% | $21.6M+31.2% | $20.9M+30.9% | $20.9M+30.7% |
| Share Buybacks | $319K-99.3% | $87.2M+308.6% | $58.0M+1601.4% | $28.8M+11435.6% | $48.3M+408.1% | $21.3M+8792.1% | $3.4M-80.0% | $250K+1823.1% |
WAFDP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.2%-1.1pp | 33.2%+1.9pp | 33.6%+5.9pp | 32.2%-0.2pp | 33.3%+0.1pp | 31.3%+22.1pp | 27.6%-7.5pp | 32.4%+4.2pp |
| Return on Equity | 2.2%+0.1pp | 2.2%+0.3pp | 2.1%+0.6pp | 2.0%-0.1pp | 2.1%-0.1pp | 1.8%+1.3pp | 1.6%-0.8pp | 2.0%0.0pp |
| Return on Assets | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%-0.1pp | 0.2%0.0pp |
| Liabilities-to-Equity | 8.13+0.3x | 8.25+0.1x | 8.01-0.2x | 7.78-0.6x | 7.87-0.8x | 8.12-1.2x | 8.16-0.1x | 8.35+0.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 30.8%+2.3pp | 34.4%-2.6pp | 26.2%+1.0pp | 24.2%-23.2pp | 28.5%-1.5pp | 37.0%-58.8pp | 25.1%-36.2pp | 47.4%+3.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| WaFd, Inc. WAFDP | FY2025 | $725.5M | $226.1M | 31.2% | N/A | 55/100 |
| ECB Bancorp, Inc. ECBK | FY2025 | $33.2M | $7.8M | 23.4% | $185.9M | 39/100 |
| Magyar Bancorp, Inc. MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $147.6M | 69/100 |
| East-West Bancorp Inc EWBC | FY2025 | $2.9B | $1.3B | 45.2% | $18.1B | 66/100 |
| Prosperity Bancshares Inc PB | FY2025 | $1.2B | $542.8M | 43.4% | $8.8B | 79/100 |
| Simmons First National Corp SFNC | FY2025 | $103.2M | -$397.6M | N/A | $3.4B | 21/100 |
Where WaFd, Inc. Ranks
Frequently Asked Questions
WaFd, Inc. (WAFDP) reported $725.5M in total revenue for fiscal year 2025. This represents a 0.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
WaFd, Inc. (WAFDP) revenue grew by 0.5% year-over-year, from $721.5M to $725.5M in fiscal year 2025.
Yes, WaFd, Inc. (WAFDP) reported a net income of $256.5M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $226.1M, with a net profit margin of 31.2%.
WaFd, Inc. (WAFDP) had a net profit margin of 31.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, WaFd, Inc. (WAFDP) paid $1.07 per share in dividends during fiscal year 2025.
WaFd, Inc. (WAFDP) has a return on equity of 7.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
WaFd, Inc. (WAFDP) generated $208.2M in free cash flow during fiscal year 2025. This represents a -49.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
WaFd, Inc. (WAFDP) generated $237.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
WaFd, Inc. (WAFDP) had $26.7B in total assets as of fiscal year 2025, including both current and long-term assets.
WaFd, Inc. (WAFDP) invested $28.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
WaFd, Inc. (WAFDP) had a liabilities-to-equity ratio of 7.78 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
WaFd, Inc. (WAFDP) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
WaFd, Inc. (WAFDP) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
WaFd, Inc. (WAFDP) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For WaFd, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.