कंपनी का अवलोकन
WaFd, Inc. operates as the bank holding company for Washington Federal Bank, delivering a comprehensive suite of financial services including lending, depository, insurance, and other banking solutions across the United States. The organization is situated within the Financial Services sector and specifically functions within the Banks - Regional industry, a classification that denotes its focus on local and state-level banking operations rather than national-scale commercial banking. The company employs a workforce of 1,979 individuals and reports a trailing twelve-month revenue of $734.47 million, though specific market capitalization data is not currently available for public reference. The reported annual revenue of $734.47 million combined with the substantial cash reserve of $767.08 million indicates a significant operational scale, suggesting the entity maintains robust liquidity buffers relative to its annual income generation.
वित्तीय स्वास्थ्य
WaFd, Inc. generated a net income of $228.37 million from its total revenue of $734.47 million during the trailing twelve-month period, while the EBITDA figure remains unavailable for this reporting cycle. The substantial gap between the reported revenue and the derived net income reveals a cost structure where operating expenses, including cost of goods sold and administrative overhead, consume a significant portion of gross inflows before reaching the bottom line. Although free cash flow data is not disclosed, the company holds $767.08 million in cash against $2.56 billion in total debt, presenting a balance sheet that appears highly leveraged when considering the raw debt figure against cash on hand. The gross margin is reported as 0.0%, which is standard for the banking industry where the cost of funds and interest income are netted out, while the operating margin stands at 46.6% and the profit margin reaches 33.1%, indicating efficient management of operational costs relative to revenue. The debt-to-equity ratio is listed as unavailable, preventing a direct leverage calculation, yet the disparity between $2.56 billion in debt and $767.08 million in cash requires careful scrutiny regarding short-term liquidity management. Current ratio metrics are also unavailable in the provided data, limiting the ability to assess immediate short-term liquidity coverage without further disclosure. Return on Equity stands at 8.0% while Return on Assets is 0.9%, suggesting that while equity holders receive a moderate return, the efficiency of asset utilization is relatively low when measured against the total asset base.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio for WaFd, Inc. is 5.98, whereas the forward P/E ratio is unavailable, creating a valuation picture that relies solely on historical earnings rather than projected growth expectations. The absence of a forward P/E implies that the market is currently pricing the stock based on past performance rather than anticipating a significant upward revision in earnings per share in the near term. The price-to-book ratio is calculated at 0.46, indicating that the market values the company's equity at less than half of its book value, which typically signals a deep discount or potential undervaluation relative to tangible assets. Alternative valuation metrics such as the price-to-sales ratio and EV/EBITDA are also unavailable, necessitating reliance on the P/E and P/B ratios to gauge relative valuation standing. The stock has traded between a 52-week low of $15.25 and a 52-week high of $17.49, with the current trading position requiring calculation based on the latest available data to determine its precise standing within this historical range. The beta value of 0.82 suggests that the stock's price volatility is lower than the broader market, moving less sharply than the overall market index during periods of fluctuation.
Growth & Income
WaFd, Inc. demonstrated a revenue growth rate of 9.8% year-over-year accompanied by a more robust earnings growth rate of 46.6% year-over-year. The fact that earnings growth significantly outpaces revenue growth implies that the company is benefiting from improved efficiency, rising net interest margins, or a shift in the product mix toward higher-yielding assets. The company offers a dividend yield of 7.5%, which is notably high for the financial sector, though the payout ratio is unavailable to fully assess the sustainability of these distributions against current earnings. A high dividend yield paired with strong earnings growth of 46.6% suggests that the current dividend payments are well-supported by the expanding net income base, reducing the risk of dividend cuts. The overall growth and income profile characterizes WaFd, Inc. as a value-oriented regional bank offering substantial current income potential alongside double-digit revenue expansion.