Wafd Inc
WAFD Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$29.46
KIRA · Stoqly’s AI analyst, in plain words
- Wafd Inc had $29.7M of revenue in fiscal 2025, up 7.8% on the year before. Over five years, revenue changed +4.6% a year on average.
- Wafd Inc made $226M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.4% a year.
- Wafd Inc returned $187M to shareholders in fiscal 2025, 90% of free cash flow. The diluted share count rose 8.0%.
- It earned 7.5% on shareholders’ money. Running costs took 1,441.7% of revenue (the efficiency ratio; lower is better).
Market cap
$2.2B
P/E
9.3x
Revenue
$29.7M
Net income
$226M
Return on equity
7.5%
Efficiency ratio
1,441.7%
Wafd Inc in 30 seconds · fiscal 2025
Are sales growing?
+7.8%
Yes. Sales grew 7.8% last year.
Does it make a profit?
762.5%
Yes. It keeps 762.5% of every sale as profit.
How lean are its costs?
1,441.7%
Costly. Running costs take 1,441.7% of revenue.
How much does it earn on its capital?
7.5%
Low. It earns 7.5% a year on shareholders’ money.
How is the share priced?
9.3x
One share costs 9.3 times its yearly profit per share.
What Wafd Inc does
No business description yet.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Nov 18, 2025
- Legal name
- WAFD INC
- CIK
- 0000936528
Wafd Inc · WAFD
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $24.7M | $25.9M | $26.1M | $27.5M | $29.7M |
| Revenue growth | 4.2% | 5.1% | 0.4% | 5.6% | 7.8% |
| Net interest income | $505M | $595M | $690M | $661M | $654M |
| Net income | $184M | $236M | $257M | $200M | $226M |
| Net margin | 743.8% | 911.0% | 988.2% | 727.2% | 762.5% |
| Diluted EPS | $2.39 | $3.39 | $3.72 | $2.50 | $2.63 |
| Cash | |||||
| Cash from operations | $314M | $268M | $214M | $439M | $237M |
| Capital expenditure | $29.5M | $11.8M | $15.1M | $24.7M | $28.7M |
| Free cash flow | $285M | $257M | $199M | $415M | $208M |
| FCF margin | 1,154.4% | 989.4% | 763.5% | 1,507.1% | 702.3% |
| Dividends paid | $65.9M | $61.6M | $63.8M | $74.3M | $84.6M |
| Share buybacks | $349M | $3.3M | $30.5M | $27.1M | $102M |
| Share count change | −5.4% | −9.9% | −0.2% | 13.8% | 8.0% |
| Debt and strength | |||||
| Cash and short-term investments | $2.1B | $684M | $981M | $2.4B | $657M |
| Loans, net | $13.8B | $16.1B | $17.5B | $20.9B | $20.1B |
| Deposits | $15.5B | $16.0B | $16.1B | $21.4B | $21.4B |
| Shareholders' equity | $2.1B | $2.3B | $2.4B | $3.0B | $3.0B |
| Returns and quality | |||||
| Return on equity | 8.9% | 10.7% | 11.0% | 7.4% | 7.5% |
| Return on tangible equity | 9.6% | 11.3% | 11.5% | 7.3% | 8.1% |
| Efficiency ratio | 1,346.8% | 1,382.2% | 1,443.5% | 1,629.7% | 1,441.7% |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$1.0M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Wafd Inc · WAFD
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $29.46 a share, the company is worth $2.2B: 9.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000936528). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.