WaFd, Inc.
NASDAQ•WAFD
執行長: Mr. Brent J. Beardall CPA
板塊: Financial Services
行業: 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.
聯絡資訊
市值
$2.50B
本益比 (TTM)
10.4
15.5
股息率
3.3%
52周最高
$34.30
52周最低
$26.31
52周範圍
排名41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025
財務儀表板
Q1 2026 數據
營業收入
$342.91M-5.08%
近4季度走勢
每股收益
$0.79+46.30%
近4季度走勢
自由現金流
$50.04M+0.00%
近4季度走勢
2026 Q1 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$5.29B
$1.41B
$1.39B
毛利率 (最新季度)
83.5%
81.1%
76.1%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| WAL | $8.54B | 8.7 | 13.3% | 7.0% |
| BOH | $3.14B | 15.2 | 11.6% | 0.4% |
| PRK | $3.09B | 15.3 | 13.7% | 1.0% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
-1.1%
基本持平
4季度淨利複合增長率
4.5%
盈利能力緩慢提升
現金流穩定性
100%
現金流表現優異
深度研究
下次財報:2026年4月16日
每股收益:$0.74
|營業收入:$190.25M
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