WaFd, Inc. (WAFDP) 株式分析

企業概要

WaFd, Inc. operates as a bank holding company that provides lending, depository, insurance, and various other banking services throughout the United States. The entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically implies a focus on localized community banking rather than national-scale operations. Regarding its scale, the available factual data does not disclose a specific market capitalization figure, but the company reports annual revenue of $734.47 million and employs 1,979 individuals. Although the absence of a listed market cap limits the ability to quantify its total market value in this context, the reported revenue of $734.47 million and substantial employee base of 1,979 indicate a significant operational footprint within the regional banking landscape.

財務健全性

The company reported revenue of $734.47 million and net income of $228.37 million over the trailing twelve months, while EBITDA data is not available in the provided facts. The substantial difference between the $734.47 million in revenue and the $228.37 million in net income reveals a cost structure where expenses, including interest on deposits and operating costs, consume approximately 68.9% of top-line revenue before arriving at the bottom line. Free cash flow figures are not disclosed, which precludes an assessment of immediate financial flexibility derived from operating cash generation in the current reporting period. Analysis of the three provided margins shows 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 standard for financial institutions where revenue is primarily interest income rather than product sales, while the 46.6% operating margin indicates strong control over operating expenses relative to revenue. The 33.1% profit margin further confirms efficient conversion of revenue into net earnings. In terms of leverage, the company holds $767.08 million in cash against $2.56 billion in debt, and the debt-to-equity ratio is not provided in the available data. Without a specific debt-to-equity figure, the balance sheet position relies on the comparison of cash and debt, where total debt significantly exceeds liquid cash reserves, suggesting a leveraged balance sheet typical of banking operations. The current ratio is not available, preventing an assessment of short-term liquidity relative to current liabilities. Return on Equity stands at 8.0% and Return on Assets is 0.9%, metrics that reveal management's effectiveness in generating profits from shareholders' equity and utilizing the total asset base, respectively.

バリュエーション評価

The trailing twelve-month P/E ratio is 5.98, whereas the forward P/E ratio is not available in the current data set. The absence of a forward P/E figure prevents a direct comparison regarding expected earnings trajectory, but the low trailing multiple of 5.98 suggests the market prices the stock significantly below earnings compared to many other financial sector peers. The price-to-book ratio is 0.46, indicating that the market values the company at less than half of its tangible book value, which may reflect a lack of market premium over book value or specific risk considerations. Alternative valuation metrics such as the price-to-sales ratio and EV/EBITDA are not disclosed, limiting the ability to cross-reference valuation with sales efficiency or enterprise value multiples. The 52-week price range spans from a low of $15.25 to a high of $17.49. Without the exact current share price, the precise percentage deviation from the 52-week high cannot be calculated, but the trading range demonstrates a relatively narrow band of volatility within the recent period. The stock exhibits a beta of 0.82, which indicates that the share price is expected to be less volatile than the broader market, moving with less intensity than the overall market index.

Growth & Income

Revenue growth stands at 9.8% year-over-year, while earnings growth is significantly higher at 46.6% year-over-year. The fact that earnings growth is substantially faster than revenue growth implies improving operational leverage or net interest margin expansion, allowing net income to grow at a rate more than four times that of top-line revenue. The company offers a dividend yield of 7.5%, and while the payout ratio is not available, the high yield suggests a significant portion of earnings is distributed to shareholders. Given the high dividend yield relative to the low P/E ratio, the sustainability of the payout depends on the maintenance of the 46.6% earnings growth rate to cover the fixed dollar amount of dividends paid. The overall growth and income profile is characterized by double-digit earnings expansion and a high current income yield, presenting a specific value-oriented characteristic within the regional banking sector.