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WaFd

WAFD
59
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
59
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Mixed
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
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Winston Score History

The full picture

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.

Score breakdown

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Bank Quality

Return on owners' money
Return on Equity
9.0%
no trend
Below its cost of capital — 9.0%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
2.84%
no trend
Modest — 2.84% net interest margin
Cost of running the bank
Efficiency Ratio
53.4%
no trend
Very lean — spends 53.4¢ to earn a dollar

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Growth

Sales growth
Sales YoY
-4.6%
Shrinking sales (-4.6% YoY)
Profit growth
EPS YoY
+24.7%
Earnings growing fast (+24.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
13.0%
no trend
Fortress balance sheet — 13.0% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.61%
no trend
Clean loan book — 0.61% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.01%
no trend
Minimal losses — 0.01% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.1x
no trend
Attractive valuation — P/E 11.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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