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Upturn AI SWOT - About
WAFD 
Washington Federal Inc (WAFD)
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Upturn Advisory Summary
03/27/2025: WAFD (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -27.78% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.30B USD | Price to earnings Ratio 12.89 | 1Y Target Price 32.25 |
Price to earnings Ratio 12.89 | 1Y Target Price 32.25 | ||
Volume (30-day avg) 667064 | Beta 0.81 | 52 Weeks Range 25.18 - 38.27 | Updated Date 04/1/2025 |
52 Weeks Range 25.18 - 38.27 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.78% | Basic EPS (TTM) 2.19 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.65% | Operating Margin (TTM) 40.95% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 6.9% |
Valuation
Trailing PE 12.89 | Forward PE - | Enterprise Value 3834498816 | Price to Sales(TTM) 3.25 |
Enterprise Value 3834498816 | Price to Sales(TTM) 3.25 | ||
Enterprise Value to Revenue 7.65 | Enterprise Value to EBITDA - | Shares Outstanding 81551296 | Shares Floating 80720328 |
Shares Outstanding 81551296 | Shares Floating 80720328 | ||
Percent Insiders 1.58 | Percent Institutions 81.1 |
Analyst Ratings
Rating 3.5 | Target Price 39.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Washington Federal Inc
Company Overview
History and Background
Washington Federal, Inc. (WAFD) was founded in 1917 as Ballard Savings and Loan. It evolved from a savings and loan institution into a full-service commercial bank, expanding its footprint across multiple states through organic growth and acquisitions. It rebranded as Washington Federal in 1997 and is headquartered in Seattle, Washington.
Core Business Areas
- Retail Banking: Offers deposit accounts, personal loans, and other traditional retail banking services to individuals and families.
- Commercial Banking: Provides commercial loans, real estate financing, and treasury management services to businesses.
- Wealth Management: Offers wealth management and financial planning services to high-net-worth individuals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes retail banking, commercial banking, and wealth management divisions, along with support functions like finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of residential mortgage products, including fixed-rate and adjustable-rate mortgages. Market share data is not publicly available, and fluctuates. Competitors include Bank of America, Wells Fargo, and Chase.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available, and fluctuates. Competitors include regional and national banks like U.S. Bank and KeyCorp.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is fragmented and not readily available. Competitors include all other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing interest rates and intense competition for deposits. Regulatory scrutiny and technological advancements are also shaping the landscape.
Positioning
Washington Federal positions itself as a community-focused bank with a strong emphasis on relationship banking and customer service. Its competitive advantages include its strong capital base and conservative lending practices.
Total Addressable Market (TAM)
The TAM for community banking in the US is estimated to be several trillion dollars. Washington Federal's market share is relatively small, suggesting considerable room for growth. The TAM depends on how large of a geographical area and which offerings are considered.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Experienced management team
- Strong focus on customer service
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Higher expense ratio compared to other institutions
- Lacks size and scale relative to larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Acquisition of smaller community banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from online lenders
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- UMB Financial Corporation (UMBF)
- First Interstate Bancsystem (FIBK)
Competitive Landscape
Washington Federal's advantages include its strong customer relationships and focus on community banking. Disadvantages include its smaller size and limited geographic diversification compared to larger competitors.
Major Acquisitions
Anchor Bancorp
- Year: 2016
- Acquisition Price (USD millions): 636
- Strategic Rationale: Expanded Washington Federal's presence in the Puget Sound region.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady but not spectacular, driven primarily by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest moderate growth in revenue and earnings over the next few years, driven by continued expansion in key markets.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion of the wealth management business, and branch optimization.
Summary
Washington Federal is a financially stable regional bank with a solid history. Its conservative lending practices and focus on customer service are strengths. However, it faces challenges related to competition and its smaller scale. Growth will likely be moderate unless it significantly expands into new markets or embraces new technologies.
Similar Companies
- BOKF
- UMBF
- FIBK
- FFBC
- CASH
- TCBI
- BANF
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data is based on recent reports, and some estimations are used due to data constraints.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Washington Federal Inc
Exchange NASDAQ | Headquaters Seattle, WA, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Vice Chairman Mr. Brent J. Beardall CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2208 | Website https://www.wafdbank.com |
Full time employees 2208 | Website https://www.wafdbank.com | ||
WaFd, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company provides deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It offers single-family dwellings, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc. in September 2023. WaFd, Inc. was founded in 1917 and is headquartered in Seattle, Washington.
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