कंपनी का अवलोकन
WaFd, Inc. operates as the bank holding company for Washington Federal Bank, delivering a comprehensive suite of lending, depository, insurance, and ancillary banking services across the United States. The entity is classified within the Financial Services sector and specifically functions in the Banks - Regional industry, positioning it as a localized financial institution serving specific geographic markets rather than a national conglomerate. This regional classification implies a business model focused on community banking relationships, offering products such as business and personal checking accounts alongside term certificates of deposit. The company demonstrates a substantial scale with a market capitalization of $2.51B, generating annual revenue of $734.47M, and employing 1979 individuals. These valuation and revenue figures indicate a significant operational footprint within the regional banking landscape, suggesting the organization holds a meaningful share of assets and deposits relative to smaller community banks, yet remains distinct from the massive capital bases of large national financial institutions.
वित्तीय स्वास्थ्य
WaFd, Inc. reported total revenue of $734.47M and net income of $228.37M over the trailing twelve months, while EBITDA figures are not disclosed in the available data. The substantial gap between the revenue figure of $734.47M and the net income of $228.37M reveals a cost structure typical of banking operations where operating expenses, including employee compensation, technology costs, and regulatory compliance, consume a significant portion of gross revenue before reaching the bottom line. While the company holds $767.08M in cash assets, the reported free cash flow is not available in the provided facts, which limits the immediate assessment of its standalone financial flexibility without external estimation. The company maintains three distinct margin metrics: a gross margin of 0.0%, an operating margin of 46.6%, and a profit margin of 33.1%. The 0.0% gross margin is characteristic of the banking industry where interest income is often netted against interest expense at the top line, while the high operating and profit margins indicate efficient management of non-interest expenses and effective pricing of loan products. In terms of leverage, the company's debt stands at $2.56B against cash reserves of $767.08M, and the debt-to-equity ratio is not available in the current dataset. The balance sheet exhibits a net debt position given that total debt exceeds cash holdings, suggesting a leveraged stance common for banks funding loan portfolios, though the specific risk level requires analysis of the missing debt-to-equity metric. The current ratio is not available in the provided facts, preventing a direct assessment of short-term liquidity coverage based on standard current assets versus current liabilities. Return on Equity stands at 8.0%, indicating that shareholders receive an 8% return on their invested capital, while the Return on Assets is 0.9%, reflecting the low-yield nature of bank assets relative to the massive total asset base typical of the sector.
मूल्यांकन आकलन
WaFd, Inc. trades with a trailing twelve-month P/E ratio of 11.40 and a forward P/E of 10.19. The difference between these two metrics, with the forward multiple being lower, implies that the market expects earnings to grow faster than current levels, as the forward price-to-earnings multiple discounts the current stock price relative to anticipated future earnings. The price-to-book ratio is 0.92, indicating that the market values the company at 92% of its book value, which suggests the stock is trading at a discount to its tangible asset base rather than commanding a premium. Alternative valuation metrics include a price-to-sales ratio of 3.42, while the EV/EBITDA multiple is not available in the provided facts, limiting the breadth of comparative valuation analysis to equity-based measures. The 52-week high is $34.30 and the 52-week low is $23.75; without the specific current share price in the source text, the exact percentage distance from the high or low cannot be calculated, but the trading range defines the recent volatility envelope. The beta value is 0.82, which means the stock price is expected to be less volatile than the broader market, moving with lower amplitude during market upturns and downturns compared to the S&P 500.
Growth & Income
WaFd, Inc. demonstrated a revenue growth rate of 9.8% year-over-year and an earnings growth rate of 46.6% year-over-year. The earnings growth rate significantly outpaces the revenue growth rate, implying that the company is leveraging its existing revenue base through improved efficiency, favorable loan mix changes, or cost containment measures to drive disproportionate profitability. As a dividend payer, the company offers a dividend yield of 3.3% with a payout ratio of 37.5%. This payout ratio indicates that the company retains 62.5% of its earnings, suggesting a conservative and sustainable dividend policy that provides a cushion for future dividend increases even if earnings growth moderates. The 37.5% payout ratio is well within safe limits for a financial institution, ensuring that dividend obligations do not constrain capital available for lending or regulatory capital requirements. The overall growth and income profile presents a scenario of accelerating profitability supported by steady revenue expansion and a reliable, sustainable dividend stream suitable for income-seeking investors.