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WaFd, Inc.

NASDAQ•WAFD
CEO: Mr. Brent J. Beardall CPA
板块: Financial Services
行业: Banks - Regional
上市日期: 1982-11-09
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.
联系方式
425 Pike Street, Seattle, WA, 98101, United States
206-624-7930
www.wafdbank.com
市值
$2.37B
市盈率 (TTM)
9.8
14.5
股息率
3.5%
52周最高
$34.30
52周最低
$23.75
52周范围
69%
排名41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025

财务仪表盘

Q1 2026 数据

营业收入

$342.91M-5.08%
近4季度走势

每股收益

$0.79+46.30%
近4季度走势

自由现金流

$50.04M+0.00%
近4季度走势

2026 Q1 财报亮点

核心亮点

Strong Net Income Growth Net income available to common shareholders rose to $60.54M, up significantly from $43.61M year-over-year for the quarter.
NIM Expansion Continues Net Interest Margin improved to 2.70% (31 bps increase) driven by lower funding costs, despite lower asset yields.
Asset Quality Deterioration Non-performing assets increased to $203.40M (0.75% of assets) from $143.02M (0.54%) last quarter; non-accruals rose to 0.95%.
Capital Ratios Remain Strong Bank CET1 ratio held steady at 13.44%, well above minimum requirements, supporting controlled growth objectives.

关注风险

Rising Non-Performing Loans Non-accrual loans increased 49% sequentially to $191.35M, driven by two commercial relationships requiring active management.
Provisioning for Credit Losses Recorded $3.50M provision for credit losses this quarter, reversing zero provision last year, due to mixed credit metrics.
Interest Rate Risk Exposure NPV analysis shows potential significant decrease in NPV under adverse rate shifts, despite NIM improvement this period.
Regulatory Rating Upgrade While CRA rating improved to "Satisfactory," a future "Needs to Improve" rating could restrict expansion and branch activity.

前瞻展望

Focus on Commercial Lending Commercial loan originations accounted for 94% of the total originations this quarter, aligning with strategic focus shift.
Deposit Mix Optimization Strategy continues shifting away from Time Deposits (down 6.4%) toward lower-cost Transaction Accounts (up 4.5%).
Mortgage Origination Exit Impact Company no longer originates consumer single-family home loans since January 2025; existing portfolio remains significant.
Sufficient Capital Position Management believes strong equity position provides flexibility for managing balance sheet risk and supporting future controlled growth.

同行对比

营业收入 (TTM)

WAL stock ticker logoWAL
$5.29B
+5.6%
CUBI stock ticker logoCUBI
$1.41B
+3.9%
WAFD stock ticker logoWAFD
$1.39B
-6.7%

毛利率 (最新季度)

PRK stock ticker logoPRK
83.5%
+4.2pp
CVBF stock ticker logoCVBF
81.1%
+23.7pp
BANR stock ticker logoBANR
76.1%
+3.6pp

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
WAL$7.48B7.613.3%7.0%
BOH$2.91B14.111.6%0.4%
PRK$2.82B13.913.7%1.0%

长期趋势

近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
-1.1%
基本持平
4季度净利润复合增长率
4.5%
盈利能力缓慢改善
现金流稳定性
100%
现金流表现优异

深度研究

下次财报:2026年4月9日
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营业收入:-
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